Membership of Sligo Credit Union is open to anyone who lives or works within our common bond (as well as family members).

To open a Junior Savers account, the parent must be a member of Sligo Credit Union.

You will need to provide:

• Birth Cert or Passport for your Child
• Proof of PPSN
• Proof of address (parent)
• Proof of Identification for parent i.e. Drivers Licence or Passport
• Contact number

You can forward the above documents to us by email or alternatively drop them into one of our branches. Help & Support

This is what unites all members of a credit union. The Common Bond defines the geographic area where we can operate as a credit union. You are eligible to become a member of Sligo Credit Union if you are living or working in the Common Bond area.

To open an account in Sligo Credit Union, you will need to have a valid Proof of ID, Proof of Address and Proof of your PPS Number.

• Proof of ID: Driving licence or passport.
• Proof of Address: Utility bill or other bank statement (not from the credit union).
• PPS Number: Social Services Card, Medical Card, European Health Insurance Card, Tax Assessment, PAYE Notice of Tax Credits.

*All documents need to be valid within 6 months.

Yes, our smartphone app is called 'Sligo Credit Union'. You can download the app by clicking the below relevant button. Using our app is one of the easiest ways to become a member and open an account with Sligo Credit Union.
Apple
Google

Our limit on cash available at the counter is €1,500 - we can transfer funds directly into your bank account. It is important to note that funds transferred before 12.00pm will arrive at your account the same day by close of business.

Yes, you can have your wages and any other source of income paid directly into your Current Account. If you would like to apply for a Current Account, you can do so here.

Sligo Credit Union has an increased saving restriction of €35,000 per member account. It is important to note that this limit covers both a member's Share Account and Current Account.

There is no maximum on the amount a member may lodge in a calendar month.

Any funds transferred before 12.00pm will generally arrive in your account the same day by close of business or to the receiver's account. Bank holidays may lead to some variations on this.

Cheques take ten working days to clear. Direct Debits take five working days to clear. Money received by standing order or through Electronic Funds Transfer can take one to two days to cross accounts, but after that, they are cleared straight away.

• Wine Street Office: Sligo Credit Union is open five days a week, 9.30am - 4.00pm on Tuesdays to Wednesdays, 9.30am - 4.30pm on Thursdays to Fridays and from 9.00am - 1.30pm on Saturdays. We remain open right through lunch.
• Collooney Branch: Sligo Credit Union's Collooney's Branch is open every Friday from 10.00am - 1.00pm.
• Drumkeerin Branch: Sligo Credit Union's Drumkeerin Branch is open every Saturday from 10.30am - 12.30pm.
• Boyle Branch: Sligo Credit Unions Boyle Branch is open from Monday - Saturday.
  (10.00am - 2.00pm, Monday), (9.30am - 4.00pm, Tuesday - Wednesday), (9.30am - 4.30pm, Thursday - Friday) and (9.00am - 1.30pm, Saturday).
• Keadue Branch: Sligo Credit Union’s Keadue Branch is open every Friday (10.00am - 1.00pm and 2.00pm - 4.00pm)

Under Rule 19 Standard Rules for Credit Union, if you have not transacted on your account for a period of 3 years or more and you do not respond to final notification of contact from our office, then your account will automatically be categorised as Dormant. This may result in funds been transferred to a Dormant account and the closure of original member account. You can prevent this by updating your account with Passport/Drivers Licence, Proof of address (within last 6 mths) and a lodgement to your account.

To reactivate your Sligo Credit Union account, you can: 1. Send your ID, Proof of Address and contact details to info@sligocu.ie. Our Membership Officer will be in touch with you. 2. Come into our branch on Wine Street, Collooney, Drumkeerin, Boyle or Keadue. However, it is important to note that we will not be able to reactivate your account there and then.

A nomination is a unique facility for credit union members, including Sligo Credit Union. If you are over 16 years of age, you can nominate someone to receive the property of your credit union accounts upon your death. This is of benefit if the member dies without leaving a will as the property left in the credit union will not have to pass through the sometimes-timely intestacy process. To set up a nomination, please contact our member Service team on 071-9317500 or email info@sligocu.ie.

• A nomination is not revocable or variable by the terms of your will or by a codicil to your will.
• The nominated property does not form part of a deceased person’s estate.
• A nomination is automatically revoked when your nominee dies before you. In this case, you should consider completing a new nomination. If you do not, your property in the credit union may form part of your estate.
• Where your personal circumstances change (e.g., marriage, divorce, or separation) you should review your nomination at that time.
• A nomination is automatically revoked by your subsequent marriage

Straight away! Sligo Credit Union welcomes loan applications from our members, regardless of how long they have been a member.

Contrary to popular belief, you do not need to have 25% of the amount you wish to borrow in savings/shares. Each application is dealt with on it's own merit. You need to show you have the capacity to make repayments as well as having enough left to live on. In addition, it is not imperative that you save for a specified period. The loans team can prove repayment for a brand-new member by seeing other regular savings or loans discontinuing elsewhere. Both measures outlined can prove adequate comfort to us that is sufficient for the proposed loan

You can make an application online by logging into the Member Login area (If not yet registered for online banking, you can Register Here). Alternatively, you can apply at one of our branches in Sligo Town, Collooney, Drumkeerin, Boyle, or Keadue. Lastly, you can phone us on 071-9317500 to make an application over the telephone. For full details on the loan application process, CLICK HERE.

After you submit your form online, there will be a notice highlighting that your loan application is ‘Awaiting Review’. The Loans Team has received all relevant documents - please do not resubmit your application form. If any more information is required, we will be in touch with you, even if the status has changed.

It is important to include specific documentation when applying for a loan with Sligo Credit Union, including:

• 1 Recent Payslip*
• 3 Months Recent Bank Statements*
• Photo ID*

*We may require more information.*Self-employed loan applicants, please see the below FAQ.

PDFs are the only type of document that we accept with your loan application form. Screenshots are not acceptable. Open Banking is now in place, which allows your bank statements to be securely shared with us. Therefore, you do not need to print or order statements from your bank. Please read the Open Banking FAQs for more information.

Prior to entering a credit agreement, Sligo Credit Union is obliged to gather sufficient information to enable us to assess whether the credit being applied for is suitable for you, the borrower, and that the agreed repayments will be affordable over the duration of the loan. The nature of the documentation we require may differ from case to case but will typically include some or all of the following:

• Most recent set of accounts for your business.
• Form 11 Returns.
• Your latest Revenue Notice of Assessment.
• Up-to-date business bank statements for 3-6 months (note - up to 12 months may be required where seasonal factors affect the business).
• Three recent pay slips where the business income is supplemented by income from paid employment.
• A Tax Clearance Cert for the company/sole trader/partnership or independent confirmation from a member of a recognized accountancy body that the business taxes are paid up to date.

Apply for what you need, and the Lending Officer will decide based on the information you have supplied, including the ability to repay and your savings record with us. The maximum loan amount that Sligo Credit Union can issue is €100,000.

We lend to our members for everything from household expenses or for a larger purchase, like buying a new car. It's important to be honest and tell us why you want a loan, and to be realistic at what you really need to borrow and can afford to pay back. We do advocate that you make smart decisions now, so that you don't put yourself under pressure in the future.

The first thing you need to do is contact Credit Control on 071-9317500 as soon as your circumstances change. We always work closely with our members and come up with the best solution to help you get through this difficult period, whether it's short term or long term. We are here to work with you, and there are always options.

The Central Credit Register (the Register) is a centralised system that collects and securely stores information about loans. It is managed by the Central Bank of Ireland, under the Credit Reporting Act 2013. The Register collects information on loans of €500 or more, including:

• Overdrafts
• Personal loans

Open Banking gives you the option to securely share your online payment account information with authorised providers you trust. These are known as third party providers (TPP's).

Open banking is a secure way of sharing financial information with other financial providers. It came into place in the European Union in 2018 to give consumers more control over their financial information. If you give your credit union open banking access, you can control what information you give and for how long.

Yes. A TPP will be regulated in the same way that a Bank is, and so must follow the same laws to keep your information safe and secure. We take your privacy very seriously. We do not share any of your bank account data for marketing purposes.

At no point do we ever see or have access to your banking passwords. Sligo Credit Union cannot in any way affect your bank account. CRIF can only gain read-only access to your data once you approve the request in your banking app.

No. You are in control. If you do not wish to share your data with Sligo Credit Union CRIF Open Banking services, you can choose our manual upload option and supply PDF’s of your bank statements instead.

Please be advised that providing your bank statement information to us in PDF format will lead to a delay in getting your application processed. The Open Banking option is faster.

You can transfer up to a maximum of €2,000 per day between accounts.

Yes you can. Register the details and we check and approve them

Yes you have 24/7 access to your account and can check your account balance and transactions at any time

If you have lost your pin, please fill out the Lost your PIN form here

A dividend is generally paid every year on our shares but is subject to the discretion of Sligo Credit Union at all times. The members vote at the AGM to decide the rate of dividend for the year. The member's decision is based on the surplus for the year and the recommendations of the Board of Directors.

• No hidden or additional costs
• No transaction fees
• Access to your savings on demand
• Life savings Insurance - subject to some limits and conditions
• On line access to your account

Our limit on cash available at the counter is €1,500. We will happily transfer funds directly into your bank account for you. Any funds transferred before 12.00pm will generally arrive in your account the same day by close of business or to the receivers account. Bank holidays may lead to some variations on this.

We are happy to make cheques payable to your creditors for you at no additional cost. Please see depositguarantee.ie.

One Proof of ID and One Proof of Address must accompany your application to open a new Current Account and Debit Card with Sligo Credit Union.

Acceptable Proof of ID include:

• Passport
• EU Drivers Licence
• UK/NI Drivers Licence
• National Identity Card from EU / EEA countries

• Household Utility Bill (e.g., Electricity/Gas)
• Bank/Credit Card Statement (not from Sligo Credit Union)
• Revenue Document
• Dept. of Social Protection Letter
• Insurance Policy Letter
• Letter from any government departments/agencies.
• Printed correspondence from legal or financial representatives.

No, a Current Account is different from a Share Account.

• Share Accounts are where members hold their savings with Sligo Credit Union.
• A Current Account provides you, our members, with easy access to your money via a Debit Card. A Current Account also helps you manage your bills, direct debits, standing orders, etc., and is available to any person who is aged 16 years and over.

No, members are not able to access their Share Account with their Debit Card, as this card operates differently from a Current Account. What members can do is transfer funds from their Share Account to Current Account and access their savings via that method.

As soon as you are aware that your card has been lost or stolen, contact the customer service line on +353 1 693 3333, support is available 24/7.

Yes, you can! If you apply online, you can add an Overdraft during the Current Account application process. If you’re opening your Current Account in any of our branches, our team will guide you through everything.

If you are an existing current account holder with Sligo Credit Union and want to add an Overdraft, contact our Loans team on loans@sligocu.ie.

Absolutely! Simply provide your employer with your new IBAN & BIC numbers, and they’ll be able to pay your wages directly into your credit union current account.

Yes! You can tap your card in stores, plus you can add it to your digital wallet so you can use Apple Pay, Google Pay, or Google Wallet with Fitbit.

The Mastercard Debit Card is globally accepted so you can use your card all over the world. There are some excptions to this, below is a list of coutries where Payac debit card (Mastercard) is not accepted:

• Afghanistan
• North Korea
• Russian Federatiuon
• Belarus
• Islamic Republic of Iran
• Myanmar
• Kazhakstan
• Cuba
• Nicaragua
• Sudan
• Syria
• Ukraine
• Venezuela
• Palestine including the Gaza Strip and West Bank

You can change your pin at most ATMs. Alternatively, you can change your Debit Card pin number in the Sligo Credit Union Online Banking system.

• Your Shares account has its own IBAN
• Your Loan Account has its own IBAN
• Your Current Account has its own IBAN
• Your Working account has its own IBAN

Therefore, it is crucial that you know and use the correct IBAN, especially when transferring funds to us. Your IBAN, not your account number, is key.

There are two ways to get the BIC and IBAN for your accounts.

Way One

• You can ring our Member Service team on 071-9317500 to request a statement.

Way Two

• You can access your account online, via mobile or PC, once you are registered and have a PIN.
• PC: Once you have logged in on a laptop or PC, click Online Banking to access ‘Account Balances’ and you will then see your associated accounts.
• Mobile: Login and click ‘Account Balances’ and you will then see your associated accounts.

Fraudsters may send emails that look like they’re from your bank or a trusted company. These emails often:

• Are unexpected, which claim to come from a financial institution.

• Contain misspellings or unfamiliar sender addresses.

• Ask you to click a link or open an attachment

• Urgently request your PIN, username, or card details

• Use scare tactics to pressure you into acting quickly

 What to look out for:

• Check for misspellings or unfamiliar sender addresses.

• Urgent requests and threats

• Claims that your account has been compromised.

• Requests to “Open an Attachment” or “Click a Link”

Safety Tips:

• Be suspicious of unsolicited emails. Listen to your instincts - if something doesn’t feel right then stop and question it.

• If you are suspicious:

• Call the sender, if possible, to verify they sent the email, using a trusted number or visit their website by typing the address directly into your browser. Phone numbers provided in the email could be fake.

• Do not reply to the email, fill out any forms or follow any of the instructions specified.

• Do not click on any links as they may try to direct you to fake websites.

• Do not open attachments as they may infect your computer with malicious software.

• Consider setting up different email addresses for different purposes, such as one for your bank / Credit Union to contact you on, another for family and friends and another for social media accounts.

You should never:

• Click on or open suspicious links and attachments.

• Respond to unsolicited emails.

• Share your banking details or other personal information if requested via email.

Important: Sligo Credit Union will never send you a text asking for your full login details or one-time passcodes.

What to look out for:

• Texts claiming to be from your bank asking for personal or financial info

• Urgent language like “verify now” or threats of account suspension

• Links to fake websites or phone numbers to “update” your details

These scams are designed to steal your information and access your account.

Safety Tips:

• Don’t click on any links in suspicious texts

• Don’t call numbers included in the message

• Don’t respond unless you're certain it’s genuine — contact us if you're unsure

Scammers may call pretending to be from your bank, credit card company, or a trusted business. Their goal? To trick you into handing over your personal or banking information.

What to look out for: 

• Unexpected calls claiming your account is at risk

• Requests for your password, full login PIN, or account number

• Urgent threats or pressure to act immediately

• Claims of suspicious payments or overseas transfers

• Requests to transfer money out of your account

• Being asked to "confirm" the rest of your card number after being given the first few digits

• Mentioning recent purchases (like at a supermarket) to sound convincing

These are all tactics to create panic and gain your trust -  don’t fall for it.

Safety Tips: 

• Never share your personal or banking details over the phone

• Hang up on suspicious calls — do not call back any number they give you

• Sligo Credit Union will never ask for your full login PIN or account details by phone

The more personal info you share online, the easier it is for fraudsters to target you. Even basic details like your date and place of birth can be used to access your accounts.

Online Safety Tips:

• Check your privacy settings – control who sees your posts and profile

• Share less – avoid posting sensitive info like your full name, birthdate, or address

• Only connect with people you know

• Be cautious of urgent messages – even from friends. Their account might be hacked

• Avoid clicking suspicious links in messages, posts, or ads — even if they seem familiar

When in doubt, delete or ignore. Staying cautious helps protect your identity.

Protecting your card and PIN is key to keeping your money secure — whether you're shopping in person, online, or at an ATM.

Card & PIN Safety Tips:

• Never let your card out of sight when paying

• Double-check the amount before making contactless payments

• Cover your PIN when entering it - stay aware of who’s around

• Choose a strong PIN (avoid birthdays, patterns like 1234 or 1111)

• Never share your card details, PIN, or full password by phone or email

• Shop smart online - only enter card info on secure websites (look for the 🔒 lock icon next to the web address)

A few simple habits can go a long way in keeping your money safe.

Public Wi-Fi might be convenient, but it’s not always safe. You don’t know who set it up - or who else is connected. Hackers can intercept your activity, steal passwords, and read private information.

Safety Tips:

• Avoid online banking, shopping, or entering personal info on public Wi-Fi

• Use mobile data (3G/4G/5G) instead for sensitive tasks

• Don’t install updates while connected to public Wi-Fi

• Report anything suspicious to the Wi-Fi provider or venue staff

Better safe than sorry, save sensitive browsing for secure, private networks.

Clicking a fake link - whether in an email, text, social media post, or pop-up ad - can install malware that puts your personal and financial information at risk. Keeping your devices secure helps protect you from fraud.

Device Security Tips:

• Use up-to-date antivirus software

• Install system updates as soon as they’re available

• Only download apps from trusted sources like the App Store or Google Play

• Enable remote wipe in case your device is lost or stolen

• Use strong passwords or biometrics (like fingerprint or face ID)

• Erase all data before selling or disposing of a device

• Avoid online banking on devices that may be infected — get them checked by a trusted IT professional first

A weak password can be cracked in minutes — but a strong one adds real protection. Knowing how to create and manage secure passwords is one of the easiest ways to keep your online accounts safe.

Password Safety Tips:

Create Strong Passwords

• Use at least 10–12 characters

• Combine random words or a memorable phrase

• Avoid obvious choices like “password,” birthdays, or pet names

• Mix in upper/lowercase letters, numbers, and symbols as needed

Keep Them Secure

• Don’t reuse the same password across accounts

• Never share your login details

• Avoid letting browsers save your passwords

• Use fingerprint or face ID and a strong PIN for mobile devices

• Turn on two-factor authentication (2FA) whenever possible

• Consider a password manager to safely store and manage complex passwords

Small habits like these make a big difference in protecting your personal and financial information.

Fraudsters are skilled at creating fake websites that look legitimate, tricking shoppers into sharing payment details. Follow these tips to protect yourself while shopping online.

Safety Tips:

• Go directly to websites by typing the URL into your browser or using a trusted search engine (e.g. Google, Bing). Avoid clicking on links in emails or pop-ups.

• Look for security signs when entering personal details:

• The URL should start with ‘https’ (not just ‘http’)

• A closed padlock icon should appear next to the URL

• Your browser address window may turn green

• Shop only on trusted sites — do your research and read independent reviews, not just testimonials on the website.

• Avoid making payments on shared or public computers.

• Log out completely when finished shopping.

Stay vigilant and shop smart to keep your personal information safe.

Identity theft occurs when a fraudster steals your personal information to impersonate you, often to access your bank accounts, open credit cards, or commit fraud.

Safety Tips:

• Be cautious online – Limit the personal information you share, especially on social media

• Never share your full online login details with anyone

• Report lost or stolen cards immediately

• Store valuable documents securely

• Clear your device of all information before selling or disposing of it

• Shred confidential documents, like bank statements, before discarding them

Fraudsters are exploiting low interest rates by offering fake high returns, particularly in cryptocurrency investments. They may create convincing websites to lure you in. If it sounds too good to be true, it probably is.

What to Look Out For:

• Pressure tactics to act quickly without thinking

• Urgent payment requests

• Links to fake websites via text messages

• False promises of capital protection or high returns with no risk

Safety Tips:

• Always seek independent financial advice before investing

• Only deal with regulated entities listed on the Central Bank of Ireland website

• Never share your login details or passwords

• Be cautious of unsolicited emails and celebrity endorsements

• Avoid pop-up ads and be extra wary of cryptocurrency ads

Fraudsters may call pretending to be from a reputable tech support company, asking to remotely access your computer. They might try to trick you into providing personal or banking details. Remember, Sligo Credit Union will never ask for your full login details or request remote access to your devices.

Warning Signs:

• Unexpected calls asking for remote access to your computer

• Requests to download apps for remote access

• Claims of suspicious transactions or urgent actions on your account

• Spoofed Caller ID to appear legitimate

• Asking for bank details or to transfer funds to a “safe” account

Safety Tips:

• Never give remote access to someone who calls unexpectedly

• Don’t share personal or banking details with unsolicited callers

• Avoid logging into online banking while a third party is connected

• Always log off from online banking sessions

• Never transfer money based on a cold call instruction

Young people, especially those aged 18-24, are often targeted by criminals looking for money mules. Money muling may seem like an easy way to make extra cash, but it’s actually money laundering, a serious criminal offense.

How It Works:

Criminals recruit money mules through social media, offering "easy money" in exchange for:

• Opening a new account or using your own current account to transfer money

• Lodging or transferring funds on behalf of the criminal

Important for Parents and Young Adults:

• Understand that money muling is illegal and can lead to serious consequences.

• Criminals deliberately target young people, so it's essential to be cautious and aware of these tactics.

Rental scams are on the rise. While these scams happen year-round, they often spike during back-to-school season. Here's how students and parents can avoid falling victim:

Top Tips:

• Know average rent prices in your area. If the price is too good to be true, it probably is.

• Test the key to make sure it fits the lock. If something feels off, report it to your local Garda.

• Keep records of all communication with the landlord, including ads and bank details.

• Use trusted rental agencies — even if they’re a bit pricier, they’re safer. Never pay until you’ve seen the property.

• Google the property address using online maps to confirm it exists at the listed location.

• Google Google Google - Use online maps to double-check that the property being advertised actually exists and is at the stated address.

SCA is a new European regulatory requirement which is shortly to take effect under PSD2 and is something which we must comply with as a Credit Union.

Its main objective is to reduce fraud and make online payments more secure. Therefore, under SCA, when accessing your account, you will have to authenticate yourself to the required legal standard before completing any transactions online.

SCA came into effect from the 14th of September 2019.

SCA will be used when you carry out any of the following actions using your online account (the below are examples only and this list is not exhaustive):

• Accessing your account using PCS, Tablet Mobile, Apps
• Initiating a payment online
• Setting up a new payee
• When accessing accounts at least every 90 days
• Accessing online account data more than 90 days old
• Online transactions
• Statement history
• Transaction log

In summary, there are a few small exemptions to SCA. Broadly stated examples are:

• Online payments under €30
• Payments to existing trusted beneficiaries (i.e. payees’ setup on your account prior to the 14th of September 2019)
• Credit transfers to self where accounts are held within the same Credit Union
• Recurring transactions such as Standing Orders or Direct Debits

SCA is a mandatory legal obligation and all online users will be required to complete SCA to the legal standard we require.

To ensure a smooth transition to SCA, check that we have up to date Identification, Proof of Address and Mobile Number for you.

There will be a new version of the mobile app to cater for the changes and you will be prompted to update your app.

Once you are happy that we have your most recent details and accurate Mobile Number, there is nothing for you to do.

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.

Online access can be given to members from 12 years of age providing their parent/guardian has signed the consent form. Their access to online/mobile app is viewing rights only until they reach the age of 16 years.

To use Google Pay or Apple Pay you must be 16 years of age or older. If you are 16 or older but under 18 years of age, you must have your parent or legal guardian’s permission to use Google pay and to accept the terms. In Ireland the age limit for use is 16 years of age.

The youth account does not incur account services charges, account transaction charges or debit interest. However, currency conversion fees and Government Stamp Duty charges apply.

Merchant restrictions apply on the following items:

• Adult Websites
• Betting/Gambling
• Alcohol
• Tobacco
• Petrol/Diesel
• Lotto

• Daily cash limit of €700 (4 withdrawals)
• Daily purchase limit €5000 (30 transactions)
• 4 Number of ATM transactions per day
• Contactless payments without pin up to €50, pin is required when your total transactions reach €150.