Q :
Can I Use Payroll Deduction to Use the Current Account?
This is not recommended by HSSCU. This is so, as if there was a delay with payroll then your funds may not be in your account when you need them. However, if you wish to send your salary to your current account either as a full amount or a PayPath split then that is an option, as PayPath automatically goes directly to the account(s) on payday.
Q :
How Can I Pay into My Current Account?
You can pay into your HSSCU current account in a number of ways:
- You can change the bank account your salary is paid into to be your HSSCU Current Account.
- You can transfer funds into your account via electronic transfer from your bank account or other credit union accounts.
- You can transfer other financial payments into your current account (pension, etc.).
Q :
What Can I Do with a HSSCU Current Account?
You can do so much with your HSSCU Current Account:
Can I Have a HSSCU Current Account without a Debit Card?
Can I Have a HSSCU Current Account without an Overdraft?
- You can use the account as you would a bank account.
- You can have a debit card and an overdraft (subject to approval). You can also pay your bills via direct debit or standing order, get your wages paid into your current account, etc.
Can I Have a HSSCU Current Account without a Debit Card?
- Yes. We would advice you, however, that there are no extra fees for a debit card other than if you exceed the number of free ATM withdrawals allowed and currency fees when using the card abroad.
Can I Have a HSSCU Current Account without an Overdraft?
- Yes you can.
Q :
What Do I Need to Set Up a Current Account?
To set you a current account with HSSCU, you need to:
Once you have the above, you can apply via your CUOnline+ account right now
- Firstly, be a HSSCU member.
- Have up-to-date ID and address verification in your account, including an Eircode.
- Be registered for CUOnline+, HSSCU's online banking portal.
Once you have the above, you can apply via your CUOnline+ account right now
Q :
What Documents Do I Need to Apply for an Overdraft?
The minimum necessary documents to apply for an overdraft are an up-to-date 3 month bank statement and a recent payslip. On occasion, HSSCU's credit team may request further documentation.
Q :
Can I Open a Joint Current Account?
At HSSCU, joint current accounts are presently available solely for joint loan applications. To receive paperwork for a joint current account application, visit one of our branches or call us on 01 677 8648.
Q :
Can I Get Cashback with My HSSCU Debit Card?
Yes! You can get cashback up to €100 when making purchases at participating retailers. You can withdraw up to €700 in cash per day (withdrawal limits at ATMs may vary).
Q :
Who Can Apply for a Current Account?
All Health Services Staffs Credit Union members aged 16 and up can apply for a current account. Members who are 16 or 17 years of age are required to attain the consent of a parent or guardian in order to open a current account.
Q :
How Do I Get a Replacement Card?
If your card is damaged, lost or stolen call Credit Union Card Services on 01 693 3333. The Customer 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. New cards will be issued on requests within 7 – 10 working days.
Q :
What are the Current Account Fees?
You can view all fees & charges here
- The General Current Account Fees Are Outlined Below
- Account Maintenance Fee €4 per month
- Quarterly E-Statements FREE
- Quarterly Postal Statements €2.50
- Postal Statement Request €2.50
- Debit Card Fees
- ATM Withdrawals: 5 FREE ATM withdrawals per month (€0.50 for each withdrawal thereafter)
- There are no Debit Card Purchase or Debit Card Contactless fees
- Overdraft Fees
- Overdraft Set-Up €25
- Overdraft Annual Renewal or Change €25
- Referral Item €5 per item max of €15 per day
- Unpaid Direct Debit €10.00
- Unpaid Standing Order €10.00
- Currency Fees
- Mastercard foreign exchange rates will apply
- Non-Euro Debit Card Purchase 0% up to a max of €12.00 per transaction
- Non-Euro ATM Withdrawal 5% with a minimum of €3.00 up to max of €12.00 per transaction
You can view all fees & charges here