The Current Account offered by First South Credit Union (FSCU)  provides a comprehensive range of services, including the ability to receive your salary, pay bills and set up direct debits or standing orders for regular payments. You can manage your account through the online portal or mobile app.

By opening a Current Account at FSCU, you will have access to a dedicated IBAN (International Bank Account Number), as well as a Mastercard Debit Card for Contactless payments. With this card, you can easily access your funds anywhere, anytime by making payments or withdrawing cash.

You can open a Current Account in your sole name or in joint names with another person if you are a member of the Credit Union and resident in the Republic of Ireland.   If you are aged between 12 and 16 years of age, we require the consent of your parent or guardian for you to open an Account.

If you are registered for online banking with First South Credit Union, you can open a Current Account in your sole name online. Simply click here to log in and open your Current Account

If you are not registered online you can do so here. Once you have logged in you can open your current account online.

If you are not a member yet you can join online here and apply for a Current Account, or you can pop into any branch.

If you wish to open a joint account, you will both need to drop into one of our branches to get set up.

To open your Current Account either online or in your credit union office, you will require one proof of identity and one proof of address.

Acceptable Proof of Identity:

• Current valid signed passport/passport card
• National EU Identity Card
• Driving Licence – Full licence or learners permit

Acceptable Proof of Address*:

• Bank, building society or credit card statement (paper/e-format)
• Household utility bill (paper/ e format)
• Revenue Commissioners current balancing statement or Notification of Determination of Tax Credit/Tax Notification

*Note: These documents must have been issued in the previous six months

A joint account can be only be opened by visiting one of our branches together with your proof of identity and proof of address to sign the application form.

Once your Current Account is opened you will receive a welcome letter detailing your BIC and IBAN. You will need your IBAN to arrange to have your salary, benefits or other payments paid into your account and to set up payment of bills by direct debit etc.

If you are registered for online access your Current Account is immediately available to view and use online or on the mobile app. If you are not already registered for online access, you can register here.

You will automatically receive an eStatement for free on your Current Account every quarter, in April, July, October and January. If you have opted to receive quarterly paper statements, a charge of €2.50 will apply.

You also have the option to request a paper statement  for a fee of €2.50 per statement.

A low monthly fee applies which covers unlimited Euro point of sale and contactless transactions, unlimited mobile and online banking and unlimited standing orders and direct debit processing. Full details of fees and charges are available here.

For each sole account you open will have one card. For a joint account each account holder can have one card in their own name.

You may not have more than two cards in your own name.

If you accidentally block your PIN at a point of sale terminal, you can simply go to an ATM and unblock your PIN.

If you accidentally block your PIN at an ATM please contact our Current Account Card Services Team on +353 (1) 6933333

Please call our card services team immediately on  +353 (1) 6933333 to cancel your card. A new card and PIN will be issued to you at your request.

Members will have 120 days to dispute a transaction on their Debit Card for the following reasons:

1. Duplicated transaction
2. Goods not received
3. Cancelled subscription not actioned
4. Received goods not as described
5. Refund not processed after 30 days
6. Transaction not recognised
7. Free Trials
8. 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

In the first instance, you should contact the Retailer and request a refund. If the Retailer refuses to refund your money and you paid using your debit card, you should contact your Credit Union who may initiate a dispute with the Retailer to reverse the transaction. This is called a “Chargeback”.

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.

You can order a replacement card by calling our Card Services on +353 (1) 6933333 (open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).

The card services team will order you a replacement card which will be issued within 7-10 working days.

You can receive your PIN by SMS by following the instructions on your Debit card mailer or by calling our Card Services on +353 (1) 6933333.

You can receive your PIN through the Post by calling our Card Services on +353 (1) 6933333 or contacting First South Credit Union.

(Our Card Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).

Yes. You can change your card PIN to something more memorable at most ATM machines. You just need to have your card available, enter your existing card PIN and follow the instructions.

Yes. You can obtain cashback up to €100.00 when making purchases at participating retailers.

You can also withdraw up to a maximum of €700.00 per day at ATMs located through the country and abroad. (Withdrawal limits at ATMs vary).

An overdraft is a facility that lets you withdraw more money than is currently available in your account. It is a form of short-term borrowing where you can access additional funds as credit, up to a pre-approved limit. You can use it as and when you need it, without having to apply for a new loan each time.

They are useful for managing unexpected expenses or bridging the gap until payday.

To apply for an overdraft at First South Credit Union, you must be a Current Account holder and have reached the age of 18. Additionally, you must have your salary paid directly into your current account and meet the eligibility criteria.

You can apply for an overdraft online or at any of our branches. We will normally request you to provide payslips, bank statements, credit card statements and proof of rent payments (if applicable) for the last three months in support of your overdraft application.

The maximum overdraft available is €5,000 or up to 75% of your income.
EXAMPLE: If your monthly income is €2,000, the maximum overdraft you could apply for is €1,500.

Overdrafts are subject to normal lending criteria terms & conditions.

Overdrafts are normally sanctioned for a period of 12 months. If you use your account within the overdraft limit we agree with you, then we may automatically renew it when the term comes to an end.

There is a set-up fee of €25.00 and an annual renewal fee of €25.00. If you do not wish to retain an existing facility, you can avoid the renewal fee by cancelling the facility before the renewal date.

The interest charged on what you borrow is 12% per annum.

If you exceed your limit, you will not face any surcharges.

Apple Pay is a mobile payment service that allows for easy and secure payments in stores where Contactless payments are accepted. Simply look for the Contactless or Apple Pay symbol to make a payment. This service utilizes Near Field Communication (NFC) technology to support eligible cards through compatible Apple devices.

In addition to in-store payments, Apple Pay can also be used for online purchases and in-app transactions wherever the Apple Pay logo is displayed.

Apple Pay transactions can be made without the need for a mobile data or Wi-Fi connection. However, in order to set up a card on the Wallet and receive transaction notifications, a mobile data or Wi-Fi connection is required.

iPhone
• Open the Apple Wallet app on your device
• Tap the plus sign at the top of the screen
• Have your card ready and follow the step by step instructions

Apple Watch
Cards must be added from the Watch app on the paired iPhone. If more than one Apple Watch is paired to an iPhone, cards must be added to each Apple Watch separately.

1. Tap the Watch icon to open the app on iPhone
2. Scroll to ‘Wallet & Apple Pay’
3. Tap ‘Add credit or debit card’
4. Complete the verification steps

Watch this helpful tutorial.

As a security measure, we send a one-time passcode which can be received by text or email. You will verify your identity by entering this code in the appropriate field.

You can add multiple Debit or Credit Cards to Apple Pay and select the card you wish to use at the time of purchase.

In case you have lost or replaced your card, there's no need to take any action if you had previously added the card to the wallet. The replacement card will automatically be added to the wallet.

Pay with iPhone with Touch ID

Hold the Touch ID and hold your iPhone near contactless reader until you see ‘Done’ and a checkmark.

Pay with iPhone with Face ID

1. Double-click the side button, glance at iPhone to authenticate with Face ID or enter your passcode.
2. Hold the top of iPhone near contactless reader until you see ‘Done’ and a checkmark.

Pay with Apple Watch

1. Double-click the side button and hold the display of your Apple Watch near the contactless reader.
2. Wait until you feel tap.

Pay within apps

With your iPhone, iPad, and Apple Watch, you can use Apple Pay to pay within apps when you see the Apple Pay button.

1. Tap the ‘Buy with Apple Pay’ or ‘Apple Pay’ button or choose ‘Apple Pay’ as your payment method.
2. Follow the on-screen instructions.
3. Confirm the payment. When your payment is successful, you’ll see ‘Done’ and a checkmark on the screen.

– iPhone Face ID: Double-click the side button, then use Face ID or your passcode.

– iPhone Touch ID or iPad: Use Touch ID or your passcode.

– Apple Watch: Double-click the side button.

With your FSCU debit card, there are no account transaction fees when you use Apple Pay to make purchases.

Yes. When using Apple Pay, your debit card number is not sent with your payment. Instead, a virtual account number is created and used to represent your account information, ensuring the safety of your card details. Additionally, every transaction made through Apple Pay requires authorization through Touch ID, Face ID, or your passcode.

Google Pay is a secure and easy-to-use mobile payment service that allows you to use your Android phone to make contactless payments wherever you see the contactless payment or Google Pay symbols.

Download Google Pay from the Google Play App Store on your mobile device.

• Download the Google Pay app from the Google Play Store.
• Open Google Pay and tap the + sign.
• You’ll be prompted to set up a device lock, if you don’t already have one.
• Add your debit card information by following the instructions on screen.

You can pay with your Android phone wherever you see the contactless or Google Pay symbols.

Yes. When you shop at a merchant, Google Pay doesn’t send your actual debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe.

With your FSCU debit card, there are no account transaction fees when you use Google Pay to make purchases.

With Google Pay you are not restricted to the current contactless payment limit of €50.00. However, transactions over €50 may not be supported by some merchant terminals.

If your phone is lost/stolen, please contact the card services team immediately on +353 (1) 6933333, available 24/7, to block your card on Google Pay.

It is a good idea to register for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen. You can enter ‘Find my device’ on Google.com to locate your device.

Add your credit and debit cards to certain Fitbit devices to make contactless payments right from your device—even when you’re traveling internationally.

Google Wallet is now available on Fitbit devices that support contactless payments. Fitbit Pay will no longer be available starting July 29, 2024*. Set up Google Wallet in the Fitbit app (version 4.14.1 or higher) to continue making contactless payments using your Fitbit device.

To check if your card works on your Fitbit device, see:

• Fitbit Pay: fitbit.com/fitbit-pay/banks
• Google Wallet: fitbit.com/global/us/technology/google-apps/banks*

_{*Note that this list is specifically for Fitbit devices and differs from the list of banks and countries compatible with Google Wallet on your phone.}

Use your Fitbit device to purchase items in any store that accepts contactless payments or to ride select transit systems. To determine if the store accepts contactless payments, look for the symbol below on the payment terminal:

Fitbit is updating our contactless payments feature from Fitbit Pay to Google Wallet. This update will increase the number of banks and cards that are available for contactless payments on your Fitbit device and let you pay quickly everywhere Google Wallet is accepted. Google Wallet is available on Charge series, Sense series, and Versa series devices that support contactless payments.

To switch to Google Wallet:

1. From the Today tab  in the Fitbit app, tap the devices icon   your device.
2. Tap the Wallet tile.
3. Tap Update to Google Wallet, and sign in to your Google account.
4. Follow the on-screen instructions to add a card to Google Wallet. Note that your cards aren’t migrated from Fitbit Pay, so you need to add them to Google Wallet.

After setting up Google Wallet, the Wallet tile in the Fitbit app will change to the Google Wallet tile. For questions about Google Wallet that aren’t related to your Fitbit device, see support.google.com.

If you don’t see the option to set up Google Wallet when you tap the Wallet tile in the Fitbit app:

1. Check to see if Google Wallet is available in your country: Where you can use Google Wallet
2. Make sure your Fitbit device is up-to-date. For instructions, see How do I update my Fitbit device?
3. If you recently updated your Fitbit device, wait 24 hours, and then check the Wallet tile again.

You don’t need to install Google Wallet on your phone in order to use Google Wallet on your Fitbit device.

From the Today tab  in the Fitbit app, tap the devices icon your device  Wallet.

• If you see the Google Wallet tile, you use Google Wallet for contactless payments.

To switch to Google Wallet, follow the instructions in Why is the Fitbit app asking me to set up Google Wallet?

To start, add at least 1 credit or debit card from a participating bank in the Fitbit app:

1. With your device nearby, from the Today tab  in the Fitbit app, and tap the devices icon .
2. Tap your device, then tap the Google Wallet tile.
3. Follow the on-screen instructions to add a payment card. In some cases, your bank may require additional verification. If you’re setting up contactless payments for the first time, you may be prompted to set a 4-digit PIN code for your device. Note that you also need passcode protection enabled for your phone.
4. After you add a card, follow the on-screen instructions to turn on notifications for your phone (if you haven’t already done so) to complete the setup.

You can add additional cards and choose which card to set as the default payment option on your device from the Google Wallet tile.

When you’re ready to pay, your default card appears on your device’s screen. To change your default card:

Google Wallet:

1. From the Today tab  in the Fitbit app, tap the devices icon   your device.
2. Tap the Google Wallet tile.
3. Tap the card you want to set as the default option.
4. Tap Details.
5. Tap Make default for contactless on watch.
6. From the Today tab  in the Fitbit app, tap the devices icon   your device.
7. Tap the Wallet tile.
8. Tap the card you want to set as the default option.
9. Tap Set as Default.