Complete the short application form, and hand in to a member of staff

Your card and PIN will be dispatched separately to your home address.

Once you have received your card and PIN, call into the credit union to activate and load your card for the first time

You’re ready to go!

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4Visit www.creditunionni.co.uk and click on the Credit Union Prepaid MasterCard® logo for further information.

Every credit union is owned by the members - the people who save with and borrow from it. People like you.

When you become a member and start saving with your credit union you have access to fair and reasonable rates on savings and loans.

But there’s another reason why saving with your credit union is a good idea. Your savings contribute to your credit union’s loan fund. So your savings are helping other members. Members like you.

Your credit union doesn’t make a profit. Surplus income generated is returned to the members by way of a dividend or loan interest rebate or is directed to improved or additional services required by the members.

Since the first credit union was formed in Ireland in 1958, the idea of offering financial services on a non-profit, member owned basis has proven very popular. Today, almost every community (including many work places) has benefited from this commitment. In over 500 locations throughout the country, credit unions have helped nearly three million people to help themselves to better value, fairer loans and savings services.

For people. Not for profit. Have the benefits... without the bills

Irish League of Credit Unions - 10/2010 LN

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This leaflet is issued by the Irish League of Credit Unions in respect of its affiliated credit unions and is for guidance only. Members should always check with their own credit union for further details. Terms and conditions will apply. Membership of and all transactions with any credit union are subject to the rules of the credit union which may be obtained from your credit union.

Credit Unions in Northern Ireland are regulated by the Registrar of Credit Unions in Northern Ireland.

MasterCard® is a registered trademark of MasterCard International. The Credit Union Prepaid MasterCard is issued by Newcastle Building Society (“NBS”) pursuant to licence by MasterCard International. NBS is authorised & regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058).

Apply for your Credit Union Prepaid Card!*

The full title of this product is Credit Union Prepaid MasterCard®

Easy to top up:•  Over the counter payment in your credit union.

•  Have your loan paid onto your card instead of receiving a cheque.

Convenient alternative to cash:•  The Credit Union Prepaid Card is a secure and

convenient alternative way to carrying cash.

•  Make purchases at retail outlets, online or over the phone conveniently using your card.

•  Use your card to pay bills.

Manage your money:•  Avoid high interest cards by topping up your

Prepaid Card; you can only spend what you load – no nasty bills each month

•  Use your Credit Union Prepaid Card to help you manage your money.

Member statements and account balances for Credit Union Prepaid Cards are available directly to members online or through the service helpline.

Cards can be issued to members that are aged 16 years or older. Members aged 16 or 17 require parental consent. Please contact your credit union to obtain a parental consent form.

Fees:

Please see the enclosed leaflet or visit www.creditunionni.co.uk for details of fees and charges, and how they are billed.

Electronic payments are making the everyday lives of hundreds of millions of people around the world easier and faster. The Credit Union Prepaid Card can be used like any other MasterCard payment card, but the money is loaded to the card before you spend it. Your Credit Union Prepaid Card will make it easy for you to create a budget and manage your money, while at the same time giving you a great way to shop online and by phone. Best of all, your card can be used everywhere that accepts MasterCard cards, all over the world.

You can use your card to :

•  Pay for goods or services in any retail outlet.

•  Purchase goods and services online.

•  Make bookings or purchases by telephone.

•  Withdraw your cash from ATM’s.

The Credit Union Prepaid Card allows members convenient access to money already loaded on their cards and can be used at any merchant where the MasterCard Acceptance Mark is displayed.

Frequently Asked Questions

1. Can any member get a Credit Union Prepaid Card*? Any member aged 16 years or over can apply for a card.

Members aged 16 or 17 require parental consent. Please contact your credit union to obtain a parental consent form.

2. Where can I use my Credit Union Prepaid Card? Your Credit Union Prepaid Card can be used at all locations

where MasterCard cards are accepted, worldwide.

3. Can I use my card abroad? Yes! Your Prepaid card can be used worldwide. Using it outside

the UK is classed as a Foreign Exchange transaction, and the amount spent will be subject to that day’s current rate of exchange as set by MasterCard Worldwide. The equivalent amount in sterling will be deducted from your card balance. Please refer to the Fees and Charges schedule for further details.

4. Can I make purchases or bookings on the Internet or by telephone using my Credit Union Prepaid Card?

Yes. All you need is your card number, expiry date and the 3 digit CVV code on the back of your card.

6. How can I find what my balance is or view transactions for my Credit Union Prepaid Card?a. Visit www.creditunionni.co.uk, or your local credit union

website online. View your card account balance and transactions by clicking on the Prepaid Card link.

b. Contact the card services helpline at +44 844 504 7811 anytime.

c. Contact your credit union during normal business hours.d. Check your balance at ATM’s where the service is provided

(Please note that where available, the facility to check your balance or print a mini-statement via an ATM is free of charge, unless otherwise stated).

7. Can I load additional funds to my Credit Union Prepaid Card account?

Yes, you can reload additional funds to your card account at your credit union. Available funds are accessible immediately using your card. Members’ cards may be used as often as necessary once there are funds available.

8. Is my money secure on my Credit Union Prepaid Card? This is a secure and convenient alternative to carrying cash.

Your money on your card can only be withdrawn with your secret PIN. As your card account balance and details are held in your card account, your money is secure even if you lose your card. Do not disclose your PIN to anyone.

Credit Union Prepaid Cards: The wiser way to pay

What is the Credit Union Prepaid Card?* *

*The full title of this product is Credit Union Prepaid MasterCard. *The full title of this product is Credit Union Prepaid MasterCard.*The full title of this product is Credit Union Prepaid MasterCard.