Minor Account

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A Minor Account is from Ages 0-15 years

We need the following information to open a Minor Credit Union Account:

• Birth Certificate for the minor. It needs to be an original document.
• Photo Identification for the minor if available (List of acceptable documents below).
• Photo Identification for the parent/guardian of the minor (List of acceptable documents below).
• Proof of Address dated within the previous six months for the minor or the parent/guardian of the minor. Parents address verification will suffice for children under 16 (List of acceptable documents below).
• Proof of PPSN for the minor (List of acceptable documents below).

Youth Current Account 12-15 year olds

We now offer a Youth Current Account for 12-15 year olds:

• Written consent from your Parent/Guardian is required to open the Youth Current Account and receive a Debit Card with POS and ATM services; a Personal Identification Number and Digital Banking Services.
• The account has to be opened in one of our offices, up to date ID and Proof of Address will be required.
• Debit Mastercard, accepted globally at millions of locations, wherever you find the Mastercard® acceptance mark.
• No maintenance or transaction fees apply (currency conversion fees and government stamp duty will apply).
• Use in-store, online or at ATMs.
• Online Banking with Enniscorthy CU App.
• Access to your money 24/7, with Online Access the current account holder will have access to all the funds in their accounts.
• Security and convenience with contactless payments.
• Extra security with age related restrictions applied to some retailers e.g., off licenses, casinos etc.*

Please also note the following:

Once the minor reaches the age of 7, they must be present to open the account and all withdrawals on the account must be signed for by the minor themselves. The parent/guardian will no longer have signing rights on the account.

A once off membership fee of €1 will be charged to the account. The minimum shares that you must hold in the account at all times is €5.00.
There is a savings cap of €30,000 in place on minor accounts until the minor reaches the age of 16 i.e. the total shares that a minor under 16 can hold in their account is not permitted to exceed €30,000 (taking into account all sub accounts also)

The minor is the beneficial owner of the funds held in the account at all times i.e. all funds held in the account and all associated sub accounts are the minors and all transactions must be for the minors sole benefit.

Identification for the parent/guardian of the minor must be kept up to date on the account until the minor reaches the age of 16.

Please note you have to be over 16 to Join us Online.

Acceptable Photo Identification

One of the following (must be in date):

• Current valid Passport
• Current valid Photo Driving License
• National Identity Card
• Age Card with original birth cert

Acceptable Proof of Address

One of the following dated within the previous six months, showing both name and address, parents address verification will suffice for children under 16:

• Official documentation issued by the Revenue Commissioners or Department of Protection, Local authority document, e.g. refuse collection bill, water charge bill, LPT.
• Original Account statement, e.g. bank, building society, credit card company.
• Utility bill, e.g. telephone (including mobile phone), electric, gas, cable, Irish Water, waste collection.
• Household or vehicle policy/certificate.
• Any of the standard ID documents from list 1 above, i.e. drivers’ license (which contains a current address and is not already being used to verify name and was issued within the last 6 months).
• Enniscorthy Credit Union correspondence such as CJA letters, pre-dormancy letters, juvenile to adult letters as we are confident that these can only have been received by post.
• All documents should be originals where possible.

Verification of PPS Number (for beneficial owners)

PPS Number to be visually verified on one of the following:

• Pension Book
• Medical card
• European Health Insurance Card
• P60/P45
• Drugs Payment Scheme
• Payslip
• Correspondence from Revenue/Social Protection
• GP Visit Card

Documents not acceptable as Proof of ID/Address/PPSN

• Public Services Card
• Student card
• Invoices or receipts such as Littlewoods/eFlow
• NCT Letter
• Medical letters or notices from HSE, doctor
• Baptismal Certs
• TV License
• Employee ID
• For queries on junior accounts (under the age of 16), club accounts, or any other queries, please contact a member of our friendly staff who will be happy to help.

We look forward to seeing you.