Direct Debits

Direct Debits In: A Direct Debit can be set up to deduct money automatically from your bank account into your Credit Union account on a regular basis – Weekly, Fortnightly or Monthly. This is a great way to make your loan repayments. All you need to do is complete a Direct Debit Mandate, return it to us and we’ll do the rest!

Direct Debits Out: Direct Debits can also be set up to make sure that your bills are paid regularly and on time.

A Direct Debit can be set up to pay any service provider from your Credit Union account and is a simple and reliable way of making repayments of your bills. To set one up, all you need to do is provide the service provider with your Credit Union BIC & IBAN numbers, which you can get by contacting us.

Electronic Services

It has never been easier to access and manage your account with us.
We have a range of Electronic Services that mean that you can transfer money, check your accounts online and organise Direct Debits at a time and place that suits you.

Electronic Funds Transfer

You can transfer funds electronically from your Credit Union account to a bank account of your choice in a safe, and convenient way. Simply call into us to set up your EFT or if you’re short on time, you can set up an EFT through your CU Online account.

You can also transfer funds from your bank into your Credit Union account through CU Online or credit transfer at your bank branch – all you need is your Credit Union BIC and IBAN numbers, which you can get by contacting us.

Please note, that if you have a number of accounts with us, for example Shares, Loan and CU Cash, it is important that you contact the branch in advance of sending funds into your account using your IBAN/BIC so we can correctly disburse your funds into the account(s) that you specify.

Foreign Currency

In conjunction with Fexco we can supply members with all their foreign currency requirements at a very competitive rate.

Members can also order their currency online via the Fexco website.

Members' Car Draw

The Car Draw is our members’ chance to win a brand new car every quarter. All members over 18 can enter the draw for €16 per year – at a charge of €4 per quarter.

How to enter:

In order to participate in the draw we need your written authorisation (as per the car draw entry form) to deduct the quarterly fee from your Credit Union account. You will then be entered into our quarterly draw from the month you return the authorisation form on a pro rata basis.

The total cost for 1 year to enter the draw is €16 and no commissions or fees are charged by Ballinasloe Credit Union Ltd. on this draw. To be in with a chance of winning, simply call into our office today and ask one of our staff about joining the car draw.

PayPath

PayPath is an electronic service provided by the Credit Union through which members wages/salaries are paid directly into their Credit Union current account. This is a free service to members.

Setting up PayPath:

It is an easy and straightforward process, simply pass on the following details to your wages/salaries department: Credit Union Sort Code Number and your EFT number. (Contact BCU for these numbers). It’s that simple, your wages can now be paid into your Credit Union account.

Payzone

Paying your bills or topping up your mobile is now even easier and more convenient. The Credit Union has teamed up with Payzone so members can pay almost all their household bills – and top up your pre-pay mobile phone
– in the comfort, security and familiar surroundings of the Credit Union office. So when it’s time to sort out the bills, or make that regular weekly payment, there’s no need to go out of your way or spend time writing cheques. Just use the Payzone service next time you are in Ballinasloe Credit Union Ltd.

Members of the Credit Union can avail of special discounts on general insurances provided by certain insurance providers.

Payroll Deduction Scheme

This is a facility for all employees in the workforce.

The Credit Union, in co-operation with your employer, provides you with the opportunity to save or repay a loan without any inconvenience to you. Your employer, with your consent, deducts a specified sum from your wages and sends it to the Credit Union where it will be used to purchase shares or make a loan repayment. This is a free service to members.

Regular Bill Payments

Regular bill payments can also be set up from your Credit Union account. Simply call into us to set up your bill payment or if you’re short on time, you can set up bill payments up through your CU Online account.

Standing Orders

Standing Orders can be set up by members so that regular payments can be made from your bank account into your Credit Union savings account or off your loan for fixed amounts. You set it up with your bank and only you can make changes to it.

You will need your Credit Union BIC and IBAN numbers, which you can find on any of your transaction receipts, or you can call us on 090 9643179.

Savings Cards

Our members Savings Card replaces our original savings stamps and allows members to save and budget for bills and special occasions, in a safe and secure manner.

The members Savings Card is a reusable card that displays and updates the balance with each transaction. Cash is lodged to the card using the self-service kiosk in the Credit Union.

Self-Service Kiosk

Members can now access their accounts using the self-service kiosk in the Credit Union.

The kiosk offers a range of services which include cash lodgements for shares and loan repayments.

Members can also withdraw from their account using the kiosk.

(please note withdrawals are only available to members who have registered to use CU Online).