Fees & Charges Information

Discover Your Membership Options: Tailored to Your Needs

At First South Credit Union, we understand that our members have diverse banking needs. That’s why we offer various membership options, each designed to provide you with the best banking experience possible.

Here’s a quick look at your options:

1. General Membership: The Traditional Experience

With our General Membership, you can transact in person for a fee of €1 per individual transaction.
Don’t worry about small transactions – cash lodgments and withdrawals of €50 or less are free. Loan repayments don’t attract any charges whether at the counter or sent electronically.

While you can access our online services and mobile app, it will be in view-only mode. To enjoy electronic transactions, consider upgrading to our Full Service Membership.

2. Full Service Membership: The Best of Both Worlds

For just €4 per month, enjoy unlimited in-person transactions and electronic transactions without additional monthly fees. As a Full Service Member, you’ll have unrestricted online access to your accounts and can transfer funds electronically 24/7.

What you get:

  • 2 IBAN enabled accounts
  • 1 Savings Account – This can be hidden online if you choose, to avoid unwanted spending.

Full Service Membership is free for those under 19 and full-time students up to the age of 25.

Please note, for joint accounts, a fee applies if the main account holder is not a Full Service Member.

3. Current Account: Added Convenience

Want more convenience? Opt for our Current Account product to receive a Mastercard® Debit Card and optional overdraft.

Our Current Account option offers all the benefits of Full Service Membership, plus the added convenience of a Mastercard® Debit Card at no extra cost*.
With this card, you can access your funds anytime, anywhere – whether through ATMs, Point of Sale transactions (including contactless), or online shopping.

What you get:

  • A debit card Mastercard
  • 2 IBAN enabled accounts
  • 1 Savings Account – This can be hidden online if you choose, to avoid unwanted spending.

This account is free for those under 19 and for full-time students of any age (proof of student status required).

Choose the membership that suits you best and enjoy a banking experience that’s tailored to your needs. At [Your Credit Union], we’re committed to your financial well-being.

How to sign up:

  • General Members:
    You do not need to take any action. You simply pay €1 per transaction.
  • Full Service Members:
    Complete the consent form and return by email to signup@1cu.ie or by post to First South Credit Union, Lower Friars Walk, Ballyphehane, Cork.
  • Students:
    If you are in full-time education you can sign up for a Fee Concession which will exempt you from fees. Complete the consent form and return by email to signup@1cu.ie or by post to First South Credit Union, Lower Friars Walk, Ballyphehane, Cork.

*See Schedule of Fees and Charges for more information.

Downloads

Terms and Conditions of Membership October 2023
FEES AND CHARGES EXPLAINED
FORM TO DESIGNATE ACCOUNT
SIGN UP FORM
Student Concession Form

Sign Up for Full Service Membership

How To Sign Up


Complete this consent form and return by email to signup@1cu.ie or by post to First South Credit Union, Lower Friars Walk, Ballyphehane. You may also complete or hand in the consent form at any of our Branches.

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