How to Open an Account
YOU CAN OPEN AN ACCOUNT IN ST. CANICE’S CREDIT UNION….
- If you live or work within our Common Bond – see below.
- Are a local group, club or business; provided that the majority of members or directors live or work in our Common Bond and the group, club or business address is also located within the Common Bond.
NOTE: If you are not eligible to open an account in your own right but are an immediate family member of an existing account holder, then you may also be able to join. Ask in branch for more details.
OPEN YOUR ACCOUNT ONLINE OR IN BRANCH?
- If you are aged 16 years of age or older and you would like to open a personal account in your own name, you can either open your account online or in your local branch.
- Junior accounts (0 to 15 years inclusive), joints accounts, group and business accounts must be opened in your local branch.
- You can call into any branch during opening hours to open an account, however, you will need to make an appointment to open an account in our High Street, Kilkenny branch.
WHAT DOCUMENTS YOU NEED?
When opening an account online or in branch, (whether you are a new or existing member), you must provide the following information:
FOR ADULTS (AGE 16 YEARS AND OVER):
- Photo ID (original only): e.g. Current Passport, Driving Licence, National Identity Card or ML10 Identification form the Gardai.
- Proof of Address (dated within the last 6 months): e.g. utility bill, official document issued by revenue or government department, bank or building society statement or Local Authority document.
- PPS Number (on an official document): e.g. Medical Card, payslip, revenue letter or European Health Insurance Card.
- Lodge €5 or more to activate the account.
If you are working but not living in the St. Canice’s Credit Union Common Bond and would like to open an account, you will also need a letter from your employer confirming your place of employment.
FOR MINORS (UNDER 16 YEARS):
- Official ID: Passport or Birth Certificate for the child.
- Proof of Address (dated within the last 6 months): Proof of parent’s address e.g. utility bill, official document issued by revenue or government department, bank or building society statement or Local Authority document.
- Child’s PPS Number (on an official document): e.g. Medical Card, revenue letter or European Health Insurance Card.
- Lodge €5 or more to activate the account.
BUSINESS & GROUP ACCOUNTS:
Please contact your local branch to find out exactly what you need to provide when opening a business or group account.
Children under 7 years: When a child is under the age of 7, a parent/guardian or grandparent can open an account on their behalf. The child need not be present when the account is being opened.
Children aged 7 years and over:: Once a child reaches the age of seven, they must open their own St. Canice’s Credit Union account i.e. an account cannot be opened on their behalf.
THE COMMON BOND
The Common Bond is what unites all members of our credit union. The common bond defines the geographic area in which we operate as a community credit union. Any person and their family members who are living or working in the following areas can open an account:
Kilkenny City and surrounding townlands of: Clara, Tullaroan, Kilmanagh, Danesfort, Freshford, Dunnamaggin, Aghavillar, Windgap and the townslands of Stoneyford and Ballyfoyle.
Bagenalstown, Co. Carlow: Including Old Leighlin, Leighlinbridge, Ballinabranagh, Milford, Nurney, Fenagh, Garyhill, Ballinkillen, Myshall, Borris, Goresbridge, Gowran and Paulstown.
Ballyragget, Co. Kilkenny: The parishes of Ballyragget, Lisdowney, Conahy and Lismaine and the postal districts out as far as Freshford.
Callan, Co. Kilkenny: Parish of Callan along with the parishes of Ballingarry, Mullinahone, Dunnamaggin (includes Windgap), Danesfort, Kilmanagh.
Durrow, Co. Laois: Area bounded by and including the following townslands: Glebe, Grennan, Raheenduff, Gurraun, Brandra, Watercastle, Stewartsgrove, Dunmore, Kyle, Coolderry, Ballacolla, The Heath, Rathmakelly, Ballygarven, Newtown, Ballynevin, Parknahown, Scrubb, Spaquarter, Bunlacken, Aharney, Archestown, Seskin and Ballynaslee.
Graignamanagh, Co. Kilkenny: This is the parish of Graignamanagh plus five miles on the Carlow side of the bridge. The townslands on the Carlow side of the bridge include Carrigleade, Tincurry, Bahana, Glyn, Ballymurphy, Ballykeenan, Harristown, Newtown, Ballyroughan, Tinnacarrig, Rocksavage, Seskin, Inch, Lacken, Clanagh, Mullanaskeagh, Ballyglisheen, Goolin, Slievedurda, Ballybeg Big, Ballybeg Little, Marley, Coolyhune, Ballyblake, Ballylyng and Aughnaglear.
Mountrath, Co. Laois: The Mountrath area covering a six mile radius from the town including the parishes of Camross, Coolrain, Pike of Rushall, Castletown, Bandra, Kilbricken, Shean, Pallas, Ballyfin, The Oak, Ballyhupahaun and Curragh and also touching the edge of Portlaoise and Borris in Ossory.
Piltown, Co. Kilkenny: Parishes of Ardclone, Fiddown, Turkstown, Clonmore, Graigavine, Clonconey, Cashel, Tobernabrone, Harristown, Kilmogue, Mullenbeg, Curroughmore, Ballinalinagh, Tullahought, Kilmacoliver, Owning, Templeorum, Birchwood, Skough, Castletown, Whitechurch, Killonerry and Tybroughney.
Rathdowney, Co. Laois: The common bond covers a radius of 6 miles from the Bridge in the town. This covers the parishes of Rathdowney/Errill, part of Galmoy, Cullohill and Aghaboe. The common bond incorporates the Electoral Divisions of Ballybrophy, Clonmore, Cuffsborough, Cullahill, Donaghmore, Errill, Galmoy, Glashure, Grantstown, Kilcoke, Kildellig, Killernogh, Kilnaseer, Kyle South, Moneenalassa, Rathdowney and Rathsaran.
Note: In compliance with the OECD Common Reporting Standard which came into effect on 1st January 2016, St. Canice’s Credit Union Ltd. is required to seek information on the tax residency of all its members. To this effect, all new members must sign a self-certification relating to their tax residency and provide their tax identification number, if resident outside of the Republic of Ireland. Failure to sign this self-certification will mean that we cannot open account for you.