Opening An Account?
To become a member you must meet certain criteria e.g. live, work, study or attend school within our common bond. The following documents will be required to join:
- Photo ID - valid passport or driver's licence.
- Proof of Address - utility bill , bank statement or Government document dated within the last six months.
- Proof of working or studying in the area - Written confirmation on headed paper from Employer or College
To open an account for a minor under 16 the following documents will be required
to join:
- Birth certificate for the child.
- Childs Passport if available.
- Proof of Address - Parent(s) / Guardians(s) utility bill , bank statement or Government document dated within the last six months
- The child's P.P.S. number on an official document.
Benefits of Membership
Flexible loan repayment options and competitive loan interest rates
96% loan approval rate
Online banking and mobile app to access your account anywhere, anytime
Fast, friendly, efficient service from our dedicated staff
Three easily accessible branches with parking
We don't charge transaction fees for saving or borrowing with us
All members are invited to our AGM, where they have a say in how we are run
Monthly newsletter, keeping you up to date with what is happening in your CU
Join using your Phone
We’ve created an intelligent and secure method for you to become a member directly through your mobile phone. All you have to do is download our Mobile App to take full advantage of joining as you go.
Secure Facial Verification
We use advanced biometric facial technology to capture and verify who you are. Simply take a quick selfie and you’re done. This intuitive technology, ensures becoming a member is quicker than ever.
Reliable Identity Check
We’ve created a way for you to share proof of ID with us that’s both secure and reliable. As you progress with your application, you will be given an opportunity to show your ID there and then. There’s no waiting around.
Quick Online Access
Once your membership has been approved, we'll text you a temporary pin so you can have immediate access to your online account. You won’t have to worry about anything, we will do the rest.
In order to start your Online Membership journey, you will need to download our Mobile App. To download our app today please either click/scan the QR Code or go directly to the App Store or Google Play Store.
How to get started
Download our Mobile App
Make sure you have valid ID ready
Complete the form
Verify your Identity
Upload required documentation
Sit back and wait for us to review and approve your membership
More Info
Have you received a letter from us looking for up to date Membership Forms, photo ID and/or proof of your current address? Under the Criminal Justice Acts 2010 & 2013, Elevate Credit Union Ltd. is required to obtain documentary evidence to confirm a member's identity at their residential address.
Acceptable Photo ID: Current valid Passport, current valid Driver's Licence, current valid EU National ID card. Acceptable Proof of Address: Bank Statement, Utility Bill or letter from a Government Department, showing your name and address and dated within the past 6 months.
If you have received a letter from us requesting these documents, your account needs to be updated. You have a number of options to do this.
- Come to any of our three branches with the original document(s) where one of our Member Service Officers will make a copy of these and update your account.
- You can email a copy of the requested document(s) to info@Elevatecu.ie. Please include a short note requesting your ID to be updated. If you email these documents, YOUR PHOTO ID MUST BE IN COLOUR.
- Post a photocopy of the requested document(s) to Elevate Credit Union, Doulgas West, Cork. Please include a note requesting your ID to be updated. If you are posting these documents, YOUR PHOTO ID MUST BE IN COLOUR.
**Please note that where we cannot obtain the necessary documentation from a member, we are required by law to place restrictions and cease providing services on accounts. In order to avoid this scenario, we would greatly appreciate your cooperation with this request.
A Dormant Account is an account which the member has not used in the past 3 years.
If you receive a letter from us saying your account is dormant, there is no need to join again. You're still a member! When an account becomes dormant, it doesn't close - your savings stay in the credit union and continue to earn a dividend at the end of each year.
What Are My Options If My Account Is Dormant?
- Reactivate your account. Come to any of our three branches with valid photo ID (passport or drivers license), proof of your address (dated in the past 6 months) and proof of PPS (this is on your payslips, p60 or social welfare card). You also have to lodge or withdraw some money.
- Close your account. To do this, you need valid photo ID and proof of your address. You can then withdraw the money in your account and close it.
- Transfer your account to another credit union. If you have moved from the area and you would like to move your account closer to your new residence, contact the credit union in your new area to make the transfer.
What is Strong Customer Authentication (SCA)
Strong customer authentication (SCA) is the process that validates the identity of you the user when you log in to access online and mobile banking, and for further services such as making payments or changing your address.
From September you will be asked for additional security credentials. We will be sending you notifications to ask you to confirm that you have authorised payments, logged in or wish to make changes to your accounts. We will also implement additional fraud prevention measures. Our online terms and conditions will be updated to take account of these changes.
How does SCA work?
From the 14th September when accessing your account or approving certain actions, you will be required to authenticate yourself using two out of three of the following:
- Something you know - i.e. password or PIN
- Something you have - i.e. mobile application
- Something you are - i.e. fingerprint or facial recognition
When does SCA it come into effect?
SCA comes into effect on the 14th September 2019.
Why is this happening?
The second Payment Services Directive (PSD2) came into effect on the 13th January 2018 which contained 12 mandates. One of these mandates covered strong customer authentication, the Regulatory Technical Standards (RTS) which are effective from the 14th September 2019, details how the mandate should be implemented. Accordingly, all account providers, online retailers etc. are required to comply with these Standards.
When is SCA applied?
SCA will be used when you do any of the following actions on your cuOnline account:
- Access your account,
- Initiate a payment,
- Initiate an action which may imply a risk of payment fraud, such as creating a new payee.
Can I opt out of using SCA?
No, the EU directive is mandatory and all cuOnline users will be required to complete SCA.
What do I need to do?
To make this change easier, check that your mobile phone number and personal details are up to date on your cuOnline profile, or you can call into your local office.
