MFCU Joint Accounts - Member First Credit Union

MFCU Joint Accounts

Here's how to Set up a joint Account

Application Form

Fill in an application form and hand in to staff member in any of our North Dublin branches.

Provide Required Documents

Provide the required documents (proof of address, photo ID and PPS numbers). It only costs €1 to join, and you have to lodge €5 to activate your account.

Wait for Approval

Your application will be sent for approval. You’ll get your account details in the post.

Of Course You'll Want To Join​

Whether you’re saving for something in the future or for a ‘rainy day’, regular saving is a good idea. When it’s with Member First Credit Union, it’s an even better idea. With us, you’re not just a customer. You’re a member and part-owner of a successful financial cooperative. How about that for a feather in your cap? There’s also the bonus of knowing that your savings are being used to make loans to other members. Members just like you.

Joint Application Form

Ways to save

ELECTRONIC FUNDS TRANSFER

Using your Credit Union account IBAN & BIC you can easily transfer funds into your Credit Union account.

DIRECT DEBIT

Complete a direct debit mandate form available in-branch or online under our downloads section.

VISA/DEBIT CARD

Make a deposit over the phone using a VISA/Debit Card. Our dedicated Member Service Centre is ready to take your call on (01) 851 3400.

OVER THE COUNTER

Call into any branch and pay over the counter. We have a number of branches across North Dublin.

Other Information about our saving accounts

Savings Limit

The maximum amount of savings for all members who open or reactivate their account after the 8th December 2020 is €15,000. The maximum amount of savings for all other members is €30,000. The maximum amount of savings for all minor members (under the age of 16) is €5,000. These amounts are inclusive of all balances in Savings Accounts, Special Savings Account, CU Cash or Xmas Deposit Account.

For more information on the savings cap please click here.

If you would like to request a funds transfer to comply with our savings limits please click here.

DIRT

Note that all dividends earned are subject to DIRT. The dividend is posted net to the account every year, which means you will have no further tax liability on this income and there are no Revenue reporting requirements or member declarations attached to this account. This can represent a saving to some members who would normally be liable for tax at the highest marginal rate.

Deposit Guarantee Scheme

All of the savings of our members are guaranteed up to a maximum of €100,000 under the Government Deposit Guarantee Scheme. Information on the scheme is available at depositguarantee.ie.

CuCash and Xmas Savings Accounts

Please note that members must leave at least €63.50 in shares to be eligible for these accounts. Up to date ID and PPSN, as well as Proof of Address is also required to open these accounts.

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