Our new Cara Credit Union Current Account gives you a real choice for your day-to-day financial needs.
- Instant access to your money through a Mastercard Debit Card
- A secure app and online portal
- Mobile functionality
- Pay bills
- Withdraw cash and pay at point of sale, anywhere in the world.
How to open a Current Account & Apply for a Debit Card:
Already a member?
- Online: If you are registered for our CU Online + Banking you can apply for a Current Account and Debit Card By Clicking Here (Please note, for joint accounts, you will need to call in to our branches to open a joint account). Not registered for online banking, Click Here to Register.
- In Person : PLEASE NOTE, due to the recent COVID-19 outbreak we are currently unable to take appointments for new Current Accounts. You can still apply for a Current Account and Debit Card once you register for CU Online +. Click Here
- Call us: Call us on 066 712 2373 and we can post you an application form.
Not a member?
- Online: To start your application for membership please click here
- In Person: PLEASE NOTE, due to the recent COVID-19 outbreak we are currently unable to take appointments to apply for Membership to apply for a Current Accounts.
What you need:
- Photographic ID: Current driving licence, a current passport or other suitable form of Photographic ID (with date of birth)
- Address: Dated in the last 6 months, a utility bill, government letter or bank statement. Please note you will be asked for your Eircode.
- PPS Number: (Personal Public Service Number) Proof of P60, P45, Payslip, Medical Card or correspondence from the tax office.
PLEASE NOTE: Remember your Current Account is not eligible for a dividend nor does it qualify for our FREE insurance services, so only keep sufficient funds for everyday banking, all other funds should remain in your Shares (Savings) Account. If you would like to lodge funds to you savings account you can do so by using CU Online + Banking or ask in-branch for a Disbursement Form.
Click on the Blue Links to OPEN. Click it again to CLOSE
Features & Benefits:
- Easy to sign up
- Same friendly service
- Globally accepted Mastercard Debit Card
- Use in-store , online or at ATMs
- Cashback available at participating retailers.
- Countless payments
- Transparent Fees
- Overdraft for unexpected expenses
- No surcharge interest on overdraft
- Automate regular payments using Standing Order & Direct Debits
- Stay in control with our Mobile App, eStatements and eFee Advices
- Secure online shopping
- 24/7 support for lost/stolen debit cards
We will help you make the following arrangements.
- Have your income transferred to your Credit Union Current Account by giving your Current Account IBAN and BIC to your employer, social welfare, pension provider, SUSI Grant for students etc. Download the form here
- Arrange to pay all your bills from your Credit Union Current Account eg mortgage/rent, electricity, phone, tv, by giving your Current Account IBAN and BIC to all your service providers. Please allow 6 weeks for payments to be set up. Download the form here
- You can also pay your credit union loan or lodge money into your Shares (Savings) Account. Please ask a member of our team in Tralee, Castleisland or Killorglin.
Regular Bill Payment: Alternatively, you may be interested in setting up a Regular Bill Payment for your service provider(s). To set up a Regular Bill Payment please give us your account details with your service provider(s) and we will arrange payment directly.
How to withdraw funds
- Call In: you can withdraw funds from our offices in Tralee, Castleisland and Killorglin.
- ATM: You can withdraw funds from any ATM in Ireland and Internationally.
- In Store (point of sale): You can use your Debit Card to get Cashback when using it for a purchase in store (The cashback facility is at the discretion of the retailer.)
PLEASE NOTE You will be unable to use a Cara Credit Union Mastercard Debit Card in our local ATM in Tralee & Castleisland
How to transfer funds
When setting up electronic payments for this Account, (Direct Debits, Bill Pay, Electronic Funds Transfers) please use your IBAN and Cara Credit Union BIC (which you will receive in the post following opening the account) as these payments will be processed through SEPA. For further details click here for SEPA
To lodge funds:
- When lodging funds electronically to your Account, please submit a CU Disbursement Form to Cara Credit Union.
A CU Disbursement Form tells Cara Credit Union where you would like your lodged funds to go: in to your Shares, your Loan or in to your Current Account.
Without a CU Disbursement Form, Cara Credit Union will automatically lodge your funds to your Loan (if due for payment or loan is in arrears) and balance to your Shares (savings) Account. If you don’t have a loan (due or in arrears) it will go directly to your Shares. Download the CU Disbursement Form here CU Disbursement Form fill in and return to our offices.
HOW TO LODGE FUNDS
Electronic Payments (you may need your IBAN and BIC click here for details)
Electronic Fund Transfers Your Wages, most Social Welfare Payments and Pension.
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 your 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 your Cara Credit Union IBAN and BIC with you.
4. Payroll Deduction Scheme Any company can set up a Payroll Deduction Scheme with Cara Credit Union.
Lodge funds In Person or on the Phone
1. At the counter in our Tralee , Castleisland or Killorglin Office. Express Lodge (Tralee office only) or by phone (Laser/Debit Card Accepted).
2. Automatic Top Up: You can use your Shares to fund your Current Account . Every time you make a withdrawal or pay a bill, funds can be topped up from your Share Account to Your Current Account by setting up an Automatic Top Up. This will keep your Current Account at a daily level that suits your transactions.
Please note share withdrawals may be restricted if you have a loan, and may affect your Life Savings Insurance Cover for members aged 55 years and over.
To set up an Automatic Top Up call to Cara Credit Union or download the form below and return to Cara Credit Union, Ashe Street, Tralee
How to minimise your bank fees and charges
The easiest way to minimise is to sign up for Online Banking. Our Online Banking, cuOnline + ,allows you reduce the level of your fees where possible:
- When you use your Cara Credit Union Mastercard Debit Card at a point of sale request cashback as part of the same transaction. (The cashback facility is at the discretion of the retailer.)
- Use our Internet Banking or App to pay bills, transfer funds from one account to another or check the balance and transactions on your account.
- Set up you regular direct debits for bill payments (eg) insurance, mortgages, and subscriptions. This means you will not have to withdraw funds from an ATM saving you money and ensuring that your bills are always paid on time.
- Use Contactless on your Cara Credit Union Debit Card to pay for goods and services all over Ireland.
- Sign up for Online Banking to print FREE statements from the comfort of your own home.
Sign up for Online Banking by clicking here
Whether it’s in a really safe place? or simply gone AWOL, the first step is to report your Debit Card lost or stolen. Follow these simple steps to do this:
How do I report my Current Account Debit Card lost or stolen?
- Report your Current Account Debit Card lost or stolen by calling the Customer Services Team who are available for fraud support 24/7 on +353 (1) 693 3333
- You can also report your Current Account Debit Card lost or stolen by calling us on where we’ll be happy to get things sorted for you.
You can suspend your Debit Card online
Once registered to use online, you can simply log in and suspend your own Debit Card if you have temporarily lost the card or are suspicious of transactions relating to your Debit Card Activity
As soon as you believe your Debit Card has been lost or stolen or notice unusual account activity relating to your Debit Card, please contact us immediately on +353 (1) 693 3333
We will cancel your card as soon as you tell us it’s missing and will get a new card issued to your address (the one we have on file for you) in 5-7 business days.
How can I request a refund on my Debit Card?
Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:
- Duplicated transaction
- Goods not received
- Cancelled subscription not actioned
- Received goods not as described
- Refund not processed after 30 days
- Transaction not recognised
- Free Trials
- Car Rentals
If you have identified a transaction that you are suspicious of on your Debit Card, you must contact your Credit Union or Credit Union Card Services team immediately on +353 1 6933333
A disputed transaction request initiates a ‘chargeback’ which alerts a request to the merchant to reverse the transaction on a Debit Card.
Members must complete and return a ‘Disputed Transaction’ form along with copies of any:
- 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.
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.