Low-Cost Banking

Unlimited Transactions
Carry out unlimited transactions in any of our branches and online including lodgements, withdrawals and transfers.

Online Banking & Mobile App
View your transactions, transfer funds, pay bills and more.

Standing Orders
Make regular payments to a specific person or company.

Incoming Electronic Payments
Receive your wages/social welfare payments directly into your account.

Disbursements
When you receive your wages/social welfare payments directly inn to your account you can set up a regular transfer to disburse the funds to your various accounts.

Direct Debits
Authorise a 3rd party to regularly collect funds from your account, ideal for bills.

Two separate IBAN Accounts
Take advantage of having two separate IBAN accounts to streamline your budgeting and help you manage your finances more effectively.

Additional Savings Account
Take advantage of an extra savings account to keep your savings separate from the money needed for expenses.  On request, we can prohibit access to this account online, to avoid the temptation to spend.

Joint Accounts
Free transactions apply to joint accounts held where the Full Service Member is the main party on the account.

Please note: Debit Card not available with Full Service Membership. Debit card only available with Current Account journey.

Globally Accepted Debit Card
The card is accepted worldwide and can be used at any ATM. The contactless feature allows you to simply tap and go (subject to limits).  For added convenience, add it to Google Wallet or Apple Pay.

Apply for an Optional Overdraft
Helpful in months where things get a little tight, such as when you receive an unexpected bill.

PLUS all the benefits of Full Service Membership
Enjoy all the benefits of Full Service Membership as listed above.

Additional fees and charges may apply dependent on account usage. Please refer to the Current Account Schedule of Fees and Charges for details.

Pay Per Transaction
Instead of a monthly fee, you pay €1 per chargeable transaction. This is ideal if you do less than 4 transactions a month. (No fee for counter transactions of €50 or less).

Counter Transactions Only
A simplified banking experience. View-only online access. The account is not enabled for electronic transactions.

View Transactions Online
You can log in online, any time, to view your transactions and download statements.

No Fee for Loan Repayments
There are no fees incurred for loan repayments (including repayments by direct debit or standing order).

In Branch:
Complete the consent form in any branch.

Email:
Download the form here and return once completed to signup@1cu.ie

Phone:
Contact our member services team to consent over the phone.

In Branch:
Open a current account in any branch.

Existing Members:
Log into your account and open a current account online here.

New Members:
Open an account online here.

You do not need to take any action. You simply pay €1 per chargeable transaction.