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At Rural Finance we understand that farming is not a 9 to 5 job. The Agcess Facility is a multipurpose line of credit that has been designed to give you the convenience of accessing funds 24 hours a day and offers a solution for your day-to-day trading requirements.
Whether you are at home, in your local town, interstate or overseas, you can withdraw cash, make purchases and pay bills via a Visa debit card, cheque book or the internet from your Agcess Facility.
Your monthly statement provides you with a record of all your transactions, making it easier to manage your account keeping. You can also make arrangements for your accountant to receive your account information via BankLink thereby saving time and money.
Let’s talk about the finer points of the Agcess Facility:
Agcess Cheque Book
Unlike most cheque books, the Agcess Facility cheque book has no fees. If you are paying fees on your existing cheque account you should consider the savings you can make by using the Agcess Cheque Book.
Online Services
Online Services is provided free to Rural Finance clients.
You can view your loan balances and transactions online at any time and download your Agcess Facility transactions using the Rural Finance Online Services website.
You can also download your transactions from your Agcess Facility to MYOB, Quicken or a spreadsheet.
Bills can be paid online via BPAY® while the Pay Anyone facility allows you to make payments to other parties.
BankLink
The Agcess Facility can be linked to BankLink which reduces manual data entry and improves the way accounting information is provided to your accountant. You can request transaction information from your Agcess Facility to be delivered electronically to your accountant each month.
Sweep Payments
For your convenience, your Rural Finance loan repayments can be paid directly from your Agcess Facility.
Agcess Visa Card
The Agcess Visa Card is a debit card that provides you with access to your Agcess Facility with an unlimited number of transactions each month. Your Agcess Visa Card can be used to make purchases by mail order, telephone, internet or establish direct debits. It also provides you with access to cash either over the counter via EFTPOS or at any ATM displaying the Visa logo in Australia or at one of the 24 million Visa locations worldwide.
You can have multiple Agcess Visa Cards linked to your Agcess Facility for one low annual card charge.
Regular Payments from your Agcess Visa Card
What is a ‘Regular’ Payment?
Regular payments can be either a recurring payment or an instalment payment. A Regular Payment represents an agreement between you (the cardholder) and a merchant in which you preauthorise the merchant to bill your Agcess Visa Card at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.
For example: You may ask your insurance agency to charge your monthly instalment to your debit card each month
Or, you may request to have your telephone bill paid each month.
What are the benefits of Regular Payments?
There are many benefits for cardholders who set up regular payments including:
1.Ensures timely payments to the merchant
2.Saves you time as the payment is processed automatically
3.Saves you money as you do not have to pay for cheques, money transfers or postage, nor will you be liable for late fees.
Customer Responsibilities & Obligations
Regular payment arrangements are an agreement between you (the cardholder) and the merchant. You should keep a record of all regular payment arrangements you have established with your merchant and store in a safe place. Click here for a template for recording your regular payment arrangements.
You are responsible for notifying the merchant when your account details change, including a change in card number and/or change of card expiry date. Until you notify the merchant, your bank is required to process transactions from the merchant. Click here to generate a Change in account details letter to your merchant. We recommend you keep a copy of any Change in account details letter sent to your merchant and your earlier regular payment agreements. This correspondence will be required when your merchant does not comply to your request in a timely manner and you decide to dispute any incorrectly charged regular payments.
Customer Rights to Dispute
Any issues with your regular payments, including the failure of the merchant to act on a change in account details advice, should be taken up directly with your merchant first. Should further assistance be required to resolve an issue between yourself and a merchant, contact Rural Finance for more information.
Using your Agcess Visa Card overseas
Your Agcess Visa Card may be used 24 hours a day in Australia or overseas at any EFTPOS or ATM displaying the Visa logo. IMPORTANT: If you are planning to use your Agcess Visa Card overseas, please notify your local Rural Finance office prior to departure.
Contact us
For further information on the range of financial products available from Rural Finance or to discuss your finance proposal please click here to locate your nearest Rural Finance office.
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