Members can fill out the form here to register for online banking. A member of staff will contact you on the telephone number provided to verify your identity and complete the registration process. A PIN will be sent to your address securely by post or via SMS.

Please fill out the form here or phone us at 01 286 2624 or email info@eastcoastcu.ie if you've lost your PIN number.

A member of staff will contact you on the telephone number provided to verify your identity and complete the Lost Your Pin process.

SCA stands for Strong Customer Authentication, and is required for the user to confirm a member's identify before being granted access to their account.

To access your account, members will need their account number and PIN. Once they have entered an SCA will be sent to the members mobile device which they will need to enter to receive access.

Members will not be charged for the service.

An e-statement is an electronic version of your bank statement. It is formatted as a traditional bank statement, but is available as a portable document format file (PDF) via our web site.

E-statements more secure than receiving a statement via traditional mail. The statement is stored on our secure servers and is only accessible via online banking. We will alert you via email when your statement is ready to view. Your statements are available as soon as they are generated instead of needing to wait for mail delivery.

You can Opt-In for e-statements from the Online Banking module within your members area. Once you are in Online Banking, click in Subscription Services, select Yes, I wish to opt-in for Electronic Statements and click the Submit button.

Since the e-statement is provided to you as portable document format (PDF) file, you can use your PDF viewer software to save a copy of the statement to your local computer. You can then back it up electronically for archival purposes. You can also print the statement on your local computer and archive the paper copy of you wish. As with all online banking and personal information, you should ensure your computer is secured.

Yes. The e-statement is delivered to you as a PDF file which you can print on your local printer.

You will need a PDF viewer program. You probably already have one installed. The most commonly used program is Adobe Acrobat reader.

If you want a paper statement, simply contact our Bray or Wicklow branch.

To become a member, you must be a resident in the Republic of Ireland.

Ways to Join:

• Mobile App
• Call In Branch

1. Current Photo ID - Passport or Driving Licence
2. Proof of Address - Utility bill, correspondence from a Government Body/Local Authority (Revenue/Dept. of Social Protection/HSE/ County Council), bank statement, Current Household/Motor Insurance certificate - dated within the 6 months.

• Minimum €200.00 up to a maximum of €5,000.00.
• Interest rate is 12% pa variable, only charged on overdrawn balances. Your credit union does not currently apply surcharge interest (surcharge interest is charged by some Financial Institutions on unauthorised overdrawn balances).
• An overdraft fee of €25.00 is charged on approval and on each anniversary of the overdraft approval date.
• Terms and Conditions apply.
• Overdrafts are available to Current Account holders aged 18 years or older. Lending criteria, terms and conditions apply.

• For a list of tips to ensure your new Current Account is kept safe click here
• For information on current account fraud awareness click here.
• Sign up for Alerts - FraudSMART

You will need to visit our Bray or Wicklow branch in person to reactivate your account.

Please bring the following:

• Photo ID: Passport or drivers licence
• Recent Proof of Address eg: utility bill

To activate your account:

• You will sign a reactivation form
• You must make a lodgement or withdrawal on your account

Savings can be withdrawn from East Coast Credit Union (BCU) at no charge, provided the savings are not pledged as security on a loan or a loan you have guaranteed.

• To make a withdrawal, members should present their account number and Photo ID.
• You can have 24 hour access via online banking once you have registered and received your PIN.
• For security reasons, any cash withdrawals larger than €3000 require 24 hours notice. Maximum cash given to a member is €5000, requiring 24 hours notice.
• The quickest and safest way to receive / transfer funds is an EFT but a cheque can also be issued.

• No charge for an Electronic Fund Transfer (EFT) to a SEPA bank account, the BIC & IBAN are required.
• The cut off time for same day transfer is 12.50pm (excluding weekends).
• Please note: If the payment is processed before 12.50pm Monday to Friday, it will be in the account by 8pm the same day.

• If it is processed after 12.50pm, it will be in the account by 8pm the following day except for a Friday, the payment will be in the account on Monday.
• If the money is being transferred to a third party bank account, a reference number will be required. This will identify who the payment has come from.

• The maximum amount a member can hold in savings is now €70,000 (Maximum €50,000 in shares & stamps account, maximum €20,000 in Current Accounts).
• Change introduced due to direct response to the banks charging the Credit Union negative interest rates on deposits.
• Member's savings that are not lent out are invested to generate additional income, and up until recent years these investments have provided substantial income to the Credit Union. However, due to the low / negative interest rate environment this income has now declined, and most banks are now charging East Coast Credit Union to hold savings.
• We will continue to monitor the situation carefully and in the event of a material change in the factors which impacted this decision, the monthly savings limit will be reviewed, and any change will be communicated to you.

For further details please see Regulatory-Information

• Savings in the Credit Union are protected under both the Savings Protection Scheme and the Government Deposit Protection Scheme.
• In the event of your death, you can nominate a close family member/ friend to inherit your savings, for more detailed information on 'wills & nominations'

• Life Savings Insurance, this is funded by East Coast Credit Union. For more details, please see Life Savings Insurance
• Government Deposit Guarantee Scheme for €100,000 per person. Download the Deposit Guarantee Scheme PDF for more information

• From 1 January 2023, the Central Bank of Ireland has made changes to who can now be considered a First Time Buyer.
  
  You are a First Time Buyer if you:
• and anyone else applying with you have never borrowed for a property anywhere before;
• have borrowed as a first-time borrower for a family home before as part of a couple, but you no longer have an interest in that property yourself because your marriage, civil partnership or relationship has ended, and you have no other mortgage loans (this is called a “Fresh Start”);
• have been declared insolvent or bankrupt and no longer have an interest in any property (this is called a “Fresh Start”);
• have a first family home with no mortgage and you want to borrow money against the value of this home.

• Buying a home requires more than the cost of the deposit. There are other fees that must also be paid at the time of purchase. Talk to us today and we can advise you on the costs involved.

• We will need to see records of your bank accounts, savings and debt. Of course, for any accounts held with East Coast Credit Union, we will have access to those records, but for any non-East Coast accounts you will need to supply copies of statements.
• You will find the complete list of all the documentation you need to apply for an your Mortgage here on our Checklist.
• The Mortgage advisor can also tell you everything you need based on your particular situation over the phone or in your branch
• By having all these documents ready when you apply, it will speed up your application and avoid delays

The Government introduced a new Help to Buy incentive in the 2017 budget. It only applies to First Time Buyers purchasing a newly built home. You could receive a rebate of up to €30,000 which could help fund your deposit. The value of the rebate is based on the tax you've paid over the last 4 years and is a maximum of 5% of the value of the property, valued at up to €400,000. There is no rebate on properties above €500,000. For more on this incentive visit www.revenue.ie

As part of the Governments Housing for All Plan, the Local Authority Affordable Purchase Scheme (LAAPS) has been introduced with the aim of supporting households which, using their combined deposit and their approved maximum mortgage, cannot afford the home at its open market value. Local Authorities will identify suitable customers and will agree a discounted purchase price with them for a new property, based on their affordability.

Through the scheme, a local authority takes a percentage equity stake (share of the ownership) in the home equal to the difference between the open market value of the property and the discounted price paid by the purchaser, for further information on the Local Authority Affordable Purchase Scheme please visit

https://www.gov.ie/en/publication/5568b-housing-for-all-available-supports/#local-authority-affordable-purchase-scheme

• Approval in Principle is valid for 12 month

• Your Employment Detail Summary is essentially the new P60 form introduced in 2020, which you can get when you register with Revenue Online Services on ROS.ie.

Please follow the steps below:

• Log into MyAccount section on ros.ie
• Go to “Review Your Tax” option under PAYE Services
• Click “Request” button beside Employment Detail Summary (Note: if you already have requested this document you can click “View” instead)
• Select “Create document”
• Document can now be found under "My Documents"

• The Form 11 is the document you or your accountant uses to make your annual tax return to Revenue. Once you have sent this to Revenue they will acknowledge your tax return. This is the document we need require for your mortgage application – the Revenue Acknowledged Form 11.
• You need a Form 11 for your mortgage application as Revenue’s official record of the income you have declared to them. It also shows how much tax you have paid.
• Where your income is not PAYE income, we need two years Form 11s. We also need a copy of your Revenue Charges and Payments statement or a letter from your accountant confirming your tax is up to date.
• You need one
• if you are self-employed
• if you have rental income
• where you have any non-PAYE income over €5,000 net or €30,000 gross per annum
• The Revenue Acknowledged Form 11 will state at the top of the document ‘Acknowledgement of Income Tax Return and Self-Assessment’. It will also have the year the tax return is for.

If you have a complaint against east Coast Credit Union, please download the information sheet HERE for more information.