Current Account

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.

Yes. Account fees are calculated quarterly for quarters ending 31st March, 30th June, 30th September and 31st December. A fee notification will issue along with your quarterly statement, prior to fees being charged to your account. Fees are charged to members accounts on the 28th of April, July, October and December or where the 28th is not a business day, the next business day.

Full details of all applicable Fees & Charges are available in your CU office and on the website

Debit Card

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).

You can use your card anywhere in the world where the Mastercard Acceptance Mark is displayed. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone.

Yes. You can shop at websites that accept MasterCard.

Overdraft

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

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.

Unlike contactless, you can make payments in excess of €50 once you have an available balance. However, not every merchant can support transactions of this value. You will not be asked to input your pin for Apple Pay payments.

If your Debit Card is lost/stolen, please contact the Credit Union Card Services immediately on +353 (1) 6933333, available 24/7. Your debit card will be cancelled immediately and a new debit card and PIN will be issued to you at your request.

Once reported as lost or stolen, your card details will be automatically updated and you can continue to use Apple Pay on your device whilst your new card is sent to you.

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

It is recommended that you also register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen. Once you do this, you will no longer be able to use Apple Pay for payments but your Debit Card will still work as normal.

From Wallet

  • Go to pass details
  • Tap ‘Info’ tab
  • Tap ‘Remove Card’

From Settings

  • Open Settings
  • Tap ‘Wallet & Apple Pay’
  • Tap card to be removed
  • Tap ‘Remove This Card’

From ‘Find my iPhone’ through iCloud

  • Go to ‘Find my iPhone’
  • Select the device under ‘My Devices’
  • Select ‘Remove This Card’ on the card that you wish to remove

From iCloud

  • Open Settings
  • Select ‘My Devices’
  • Select the device under ‘My Devices’
  • Select ‘Remove This Card’ on the card that you wish to remove

Apple Pay refunds work the same way as physical card refunds. That is, you should consult with the retailer directly to refund a transaction.

If you replace or update your device, you will need to add your card(s) to Apple Pay again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example if you need it repaired.

You can remove a card from Apple Pay at any time. Tap on the credit card you’d like to delete. Tap on ‘Remove This Card’ — you’ll need to scroll down to the bottom.

Does unpairing an Apple Watch from iPhone remove the card on Apple Watch

When Apple Watch is unpaired, all cards on Apple Watch will be removed.

Apple Pay enables Contactless transactions on your Apple device instead of your physical card.

While Contactless payments on your physical debit card are subject to a €50 threshold per transaction, Apple Pay will allow transactions over €50*, provided the available balance or credit limit exists. You also need to authorise every transaction by Touch ID or your passcode.

* Apple Pay transactions above €50 may not be supported on some merchant terminals.

  • Never leave your device unattended.
  • Use appropriate security controls on your device such as passcode, thumbprint or face recognition.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages or push notifications asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union or Credit Union Card Services on +353 (1) 6933333, available 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.
  • Register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.

Google Pay

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.

If your Debit Card is lost/stolen, please contact the Credit Union Card Services immediately on +353 (1) 6933333, available 24/7. Your debit card will be cancelled immediately and a new debit card and PIN will be issued to you at your request.

You will not be able to use Google Pay with a debit card that has been cancelled. When we issue you with a new card, it will need to be registered with Google Pay again.

Yes. You can add as many cards as you want to Google Pay.

  • Never leave your device unattended.
  • Use appropriate security controls on your device such as passcode, thumbprint or face recognition.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages or push notifications asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union of Credit Union Card Services on +353 (1) 6933333, available 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.
  • Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.
Fitbit Pay

Fitbit Pay is a secure and easy-to-use payment service available via most wearable Fitbit devices that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless symbol In-store.

Set Up
Using the Fitbit App on iOS, Android or Windows, complete the following steps to add your debit card to Fitbit Pay:

  1. Open the Fitbit Pay app on your iPhone, Android or Windows phone to enter your card information in the Fitbit Pay ‘Wallet’. Locate this wallet by tapping your picture in the top left corner of the screen which will bring you to the ‘Account’ section.
  2. Select the Fitbit device you want to add your debit card to and then select the ‘Wallet’ icon.
  3. Open the ‘Wallet’. Fitbit security will require you to enter your PIN/fingerprint in order to access the ‘Wallet’. You can then add a card by selecting the ‘+’ symbol in the top right hand corner of the screen. Do this by entering card number, expiry date and CVC, press NEXT and then follow the on-screen instructions.
  4. Read and confirm if you are happy to accept the Digital Wallet Terms and Conditions.
  5. Complete the verification steps as directed. Once this is complete the card appears in your Wallet.
  6. Sync and Complete. The app syncs to your Fitbit device and the card is now displayed on-screen on your wrist and ready to use.

Enter your 4 digit pin on your Fitbit device once in the morning and it stays for 24 hours or until you remove the Fitbit Device from your wrist.

For all transaction values*, press and hold the button on the left side of your Fitbit device until your card appears onscreen. Now move your Fitbit device close to the contactless terminal until you see a checkmark. Your device should vibrate to confirm the transactions has been made.

*Fitbit Pay transactions above €50 may not be supported by some merchant terminals.

You can use Fitbit Pay wherever Contactless payments are accepted; just look for the Contactless or Fitbit Pay symbol.

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

Yes. When you shop at a merchant, Fitbit Pay doesn’t send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe. The Pin needs to be entered every 24 hours when on your wrist. The Pin is required again if device leaves your wrist.

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

If your Debit Card is lost/stolen, please contact the Credit Union Card Services immediately on +353 (1) 6933333, available 24/7. Your debit card will be cancelled immediately and a new debit card and PIN will be issued to you at your request.

You can add up to six compatible cards on any device.

If you replace or update your device, you will need to add your card(s) to Fitbit Pay again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example, if you need it repaired.

You can remove a card from Fitbit Pay at any time. Using the Fitbit app, select ‘Wallet’, complete authentication and tap on the card you would like to delete.

Scroll to the bottom of the screen and tap ‘Remove Card’

  • Never leave your device unattended.
  • Use appropriate security settings on your device such as Touch ID, Face recognition & passcode.
  • Change your device passcode immediately if you suspect anyone else knows it.
  • Please be aware of unsolicited messages asking you to reveal any personal or financial information, to allow access to your devices or to install software.
  • Contact your Credit Union or Credit Union Card Services on +353 (1) 6933333, 24/7 as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen or if you think your details have been compromised.
  • Make sure your contact details are up to date with your Credit Union in the event we need to contact you urgently.

If you would like more information please contact us today.

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