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.
  • Call us: Call us on 066 712 2373 and we can post you an application form.
  • In Person : Visit our Branches in Tralee, Castleisland. Killorglin, Ballyduff, Causeway & Corca Dhuibhne.

Not a member?

  • Online: To start your application for membership please click here

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.

NEW! Junior Current Account: Junior Current Accounts with a globally accepter Mastercard Debit Card are now available for Minor aged 12 to 16 years.

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.

Click on the Blue Links to OPEN. Click it again to CLOSE