Junior Accounts with a Mastercard Debit Card NOW AVAILABLE.
NEW! Junior Current Account: Junior Current Accounts with a globally accepter Mastercard Debit Card are now available for Minor aged 12 to 16 years.
Give your kids more independence, with a FREE Cara Credit Union Junior Current Account and Mastercard Debit Card. The Junior Current Account is available from age 12 to 16 years and comes with a debit card and mobile app. The mobile app offers account controls so rest assured they are in safe hands. The contactless Mastercard debit card can be used in shops, online and at any ATM.
Accounts can be opened by Members aged 12 and over with Parental Consent required for Members aged under 16 years. The consent must be completed at the time of application by either the parent or guardian;
Already a member?
Photographic ID: Original Minor’s birth certificate is mandatory. If the Minor has a passport as well as a birth certificate we ask you bring this also. The Parent(s) or Guardian(s) will also need proof of I.D.
Address: Parent(s)/ Guardian(s) utility bill, government letter or bank statement dated within the last 6 months. Please ensure you have your eircode with you.
Membership Number: for both the Minor and the Parent(s)/ Guardian(s)
The Minor Opening the Account will need: (i) an email address and (ii) a mobile phone number. Parent(s) / Guardian(s) email addresses or mobile numbers cannot be used.
Not a member?
Photographic ID: Original Minor’s birth certificate is mandatory. If the Minor has a passport as well as a birth certificate we ask you bring this also.
Proof of Address: Parent(s) / Guardian(s) utility bill, government letter or bank statement dated within the last 6 months. Please ensure you have your eircode with you.
Proof of PPS Number: Proof of the Minor’s Personal Public Service Number on an official document or card.
The Minor Opening the Account will need (i) an email address and (ii) a mobile phone number. Parent(s) / Guardian(s) email addresses or mobile numbers cannot be used.
Photographic ID (drivers licence or passport) is needed for Parent(s)/Guardian(s) wishing to have withdrawal rights on the account. Parents(s)/Guardians wishing to have these rights on the account need to be present when account is being opened.
PLEASE NOTE ANY MINOR FROM AGE OF 7 MUST BE PRESENT WITH THEIR PARENT(S) OR GUARDIAN (S) WHEN OPENING THE ACCOUNT.
Both Parent(s) / Guardian(s) need to be present at the opening of the account if both wish to be authorised on the account (up to the Minor’s 16th birthday).
Parent(s) / Guardian(s) can only withdraw up to the age of 7. Once the Minor turns 7 both the Parent / Guardian and Minor need to be present for withdrawals.
Money in a Minor’s account is the sole property of the Minor and no other person (including the Parent(s) /Guardian(s)) is entitled to use this money for his/her benefit. For withdrawal rights on minor accounts, please call us on 066 712 2373.
Features & Benefits:
Same friendly service
Globally accepted Mastercard Debit Card
Teaches kids how to save and spend money
Use in-store , online or at ATMs
Cashback available at participating retailers.
Stay in control with our Mobile App, eStatements and eFee Advices
Secure online shopping
24/7 support for lost/stolen debit cards
A safer, contactless way to pay.
We are pleased to bring you a safer way to pay, giving you the freedom to securely spend without a €50 contactless limit, touch-free with Apple Pay. You can now use your Apple device to pay with your Credit Union Debit Card wherever you see the Apply Pay or Contactless logo in store, online or in-app. It’s a safer contactless way to pay.
Apple Pay is easy to set up. Simply add your Debit Card to your iPhone, Apple Watch, iPad, or Mac, and start using Apple Pay on that device right away.
Apple Pay is a trademark of Apple Inc. Mastercard is a registered trade mark, and the circles design is a trade mark of Mastercard International Incorporated. The debit card is issued by Transact Payments Malta Limited pursuant to licence by Mastercard International.
Cara Credit Union is regulated by the Central Bank of Ireland.
You can now use Google pay and Fitbit pay to make contactless payments wherever you see the contactless payment mark. Available now with your Current Account debit card from Cara Credit Union! Click on the icon for more….
2. Online through your Bank’s Online Banking facility. Please reference Current Account when lodging funds to this Account.
3. Direct Debit: you can set up a regular payment (direct debit) from your Bank Account to their credit union account. Please visit Cara Credit Union to set up a Direct Debit.
Your Bank can also do this, by visiting your Bank and setting up a Standing Order. Please have their Cara Credit Union IBAN and BIC with you.
4. At the counter in our Tralee , Castleisland, Killorglin Ballyduff or Causeway Branches. Express Lodge (Tralee, Castleisland & Killorglin offices only) or by phone (Laser/Debit Card Accepted). * Please note: Lodged cheques will take 6 days to clear.
Shopping Online Is Changing From 1st January 2021.
The final changes under the second Payment Services Directive, also known as PSD2 comes into full force from 1st January 2021. PSD2 will mean changes to how you shop online from 1st January 2021.
These changes relate to the implementation of Strong Customer Authentication, also referred to as SCA. This means that you will need to carry out an additional security step before you complete your online shopping by using a one-time passcode which you will receive by text.
These changes mean better protection for you and will make shopping online even more secure.
What do I need to do?
To continue to shop online with your Current Account debit card, you need to make sure your Credit Union has the correct mobile number for you so that you can receive the one-time passcode required to complete your online shopping transaction.
You can update your mobile number by contacting your Credit Union on 066 712 2373.
Detailed cover letter advising the nature of the dispute
Proof of purchase
Evidence of the transaction
Interactions with the company (emails/letters)
To be returned to their Credit Union to complete a ‘chargeback’ request.
Protecting you and your Current Account from fraud.
Fraud on Financial transactions is regularly reported in the News with Fraudsters becoming more sophisticated each day and producing frauds based on current topical news items. We need to do more to protect ourselves from becoming victims of fraud. While most financial frauds still use phone, texts and emails to commit the crime, fraudsters are using technology and publicly available information to trick people. As a valued member of our Credit Union, we hope this guide will help you to become more fraud aware.
Report unusual activity to Cara Credit Union 066 712 2373 or Credit Union Card Services on 01 693 3333 available 24/7
Be Informed , Be Alert, Be Secure
• Only keep a minimum of funds in your current account, you can use your online banking to move funds from your share account to your current account.
• Don’t assume you can trust the caller ID. Phone numbers can be changed so it looks like your Credit Union is calling. If you have a doubt, take the callers name and call Cara Credit Union on 066 712 2373.
• Fraudsters may already have basic information about you in their possession (e.g., name, address, date of birth) do not assume a caller is genuine because they have these details.
•To unexpected/unsolicited emails, telephone calls or texts. Always independently check the person is who they say they are. You can call Cara Credit Union on 066 712 2373
•Always check your statements, and if you notice any unusual transactions, report them to your Credit Union or Credit Union Card Services immediately.
•Don’t allow yourself to be rushed. Take your time to do the relevant checks.
•Never give your security details such as full online password, code/login details or PIN to anyone.
•Never use public Wi-Fi to make an online payment or access your online account, use your home or mobile data connection instead.
When you use your Debit Card for purchases in foreign currency or ATM withdrawals in foreign currency, these transaction will attract additional fees and charges that are charged to your Current Account as they occur, typically on the date the transaction is posted to your Current Account.
Mastercard foreign exchange rates will also apply and are subject to change.
This currency conversion calculator allows you to see the foreign exchange rates set by Mastercard to convert from the transaction currency as well as the European Central Bank’s euro foreign exchange reference rates for the EEA country currencies and the fees and charges that apply.
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