New Data Protection Regulation

New Data Protection Regulation – 

Important Changes You Need to Be Aware of


What does it mean for you?

The new General Data Protection Regulation comes into effect from the 25th May 2018.  Therefore, we would like to make you aware of how we handle your data here at West Cheshire Credit Union.

We have a policy in place to protect the interest of our members and in doing so we abide by these guidelines to ensure data is handled in accordance with the principles of GDPR.

Please take time to read the following as it defines the way in which we handle personal data and any associated third parties we deal with or act on behalf of.

How do we protect your data?

To protect the security of your personal data, we implement appropriate measures, which involves technical and organisational security measures.  This includes physical and technical security safeguards and a robust governance model that ensures adequate policies, procedures and controls are in place throughout our organisation.

Types of personal data we collect and use

  • Whether or not you become a customer, we are bound by Anti Money Laundering Regulations to ask for proof of identification and place of residence. In the course of doing so, we may check central databases for said information such as electoral roll, credit reference agencies or ask for hard copy evidence of the aforementioned.  We collect this directly from the source and this information is then held on our database.  This is NOT shared with any other parties outside of West Cheshire Credit Union, unless demanded by authorities as part of any fraud investigations.
  • Full name, personal information including contact details (e.g home address, address history, email address, home and mobile telephone numbers.
  • Date of birth and or age (e.g to make sure eligibility to apply) and National Insurance Number.
  • Financial details (eg salary and details of any other income, and details of accounts held with banking providers).
  • Information from credit reference agencies or fraud prevention agencies, electoral roll, court records of debt judgements and bankruptcies and other publicly available documents relating to your financial history.
  • Employment status.
  • Income and expenditure details to assist with making informed decisions regarding affordability of loan applications.
  • Beneficiary details, which we use in a contact situation in the event of your death.
  • If you are a payroll member we will also ask for your employer, payroll number and job title this is to aid with administration.
  • Your banking details, regarding setting in place standing orders, or for withdrawal of funds purposes.
  • DWP details which relate to Child Benefit Payments to process payments in a timely manner.


Providing your personal data

We will inform you if providing some personal data is optional, including that where we are required to ask for consent to process it.  In all other cases you must provide your personal data so we may process your application to join, apply for loans and generally manage your account.

  • To other parties connected with your account, or those of whom you have given consent to act on your behalf.


 Sharing your personal data

Subject to the applicable data protection law, we may share your data with;

  • Our legal and other professional advisors, including our auditors.
  • Fraud prevention agencies, credit reference agencies, DWP and debt collection agencies, when we open your account and periodically during your account.
  • Pre-paid debit card companies, in order to process your payments and withdrawals (if you use this scheme).
  • Your employer, payroll department if you participate in our Payroll Deduction Saving Schemes.
  • Our banking providers, this is to process savings withdrawals and loan deposits.
  • Courts, to comply with legal requirements, and for the administration of justice.
  • We do not share your information with third party marketing agencies.

Your consent to share data

We will comply to share your data when;

  • You request us to disclose your personal data to other people or organisations.
  • To send you marketing communications where we have asked for your consent to do so.

Your rights under applicable data protection law

Your rights are as follows (noting these rights don’t apply in all circumstances and that data portability is only relevant from May 2018)

  • The right to be informed about our processing of personal data.
  • The right to have your personal data corrected if it is inaccurate and to have incomplete personal data completed.
  • The right to object to process your personal data.
  • The right to restrict processing of your personal data.
  • The right to have personal data erased.
  • The right to request access to your personal data and information of how we process it.
  • The right to move, copy or transfer your personal data.

Using your personal data; the legal basis and purpose

We will use your personal data;

  • To register you as a member of West Cheshire Credit Union and to ensure qualification under our common bond criteria.
  • For good governance, accounting, managing and auditing our business.
  • To search credit reference agencies if you are over 18 and apply for a loan with West Cheshire Credit Union.
  • To send you statements and updates on your account.
  • For compliance with legal and regulatory requirements.
  • To verify your identity, make credit and fraud prevention and anti-money laundering checks.

Retention of data

Criteria in place to determine retention periods of your personal data;

  • We retain data in accordance with legal and regulatory requirements.
  • We will retain your personal data after your account has been closed or has otherwise come to an end and in line with legal or regulatory guidelines.




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New Chester City Centre Premises.

DYbjKcYX0AIRhYaWest Cheshire Credit Union will be opening a new office in Chester City centre.

We listened when members said it was sometimes difficult to access the credit union through our current location, so with support from Cheshire West & Cheshire Council we have been able to do something about it.


We are confident that a city centre location will improve our accessibility and allow members to deal with us face to face more easily should they choose to.  The new office, located in Brookdale Place, is a fantastic central location.  We are sure that being in such a prominent position will help us raise awareness of everything West Cheshire Credit Union has to offer, increasing membership and allowing more residents to benefit from our services.

We hope the new office will be completed and ready to open early summer 2018, we will keep you updated via social media on how this exciting opportunity develops!

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Your Opinion Matters

your opinion matter

Tell Us What You Think!

We are currently looking at ways to improve accessibility to our services and would like to know, Is there something you wish we did differently that would help you manage your account?  Is there an aspect of our service that you are unhappy about?
You can use this form to let us know your thoughts and ideas and help us ensure we meet the needs of our members.


Your Name (required)

Your Membership Number (if known)

Your Thoughts & Ideas on Improving WCCU Services

Thank you for taking the time to let us know what you think.


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Break Free – An Alternative weekly payment store.

break free

We’ve joined forces with Changing lives in Cheshire and can now offer families an alternative and affordable way to purchase new and pre-loved household goods.

Our ‘Break Free’ project enables you to purchase electrical goods and furniture from Changing Lives in Cheshire – all on an affordable weekly repayment scheme that is financed through a West Cheshire Credit Union account. 

 Applying is simple. Call into the CLiC Outlet shop at Winsford Cross Shopping Centre and see what products are available.  The friendly staff will be able to help you complete any paperwork and, subject to approval, you could purchase items up to the value of £500.

For more information click here.

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PayPointLogo_svgImportant Information about your paypoint card


We must inform you that due to a decision by our banking provider to review their product range, the PayPoint Card facility will no longer be available for use after 1st September 2017.



Having taken a view on the continuation of such a service, West Cheshire Credit Union have decided to switch existing members who use a PayPoint Card, over to Standing Order. Given the fact that many members now have bank accounts this will prove the easiest and most cost-effective way of overcoming the withdrawal of the service.

Although we are disappointed that our banking provider will no longer offer the PayPoint Card we are confident going forward that the transition to standing order will benefit both you as a valued member, plus the business due to the additional administration charges the PayPoint Card carried.

Over the next couple of weeks we will be writing to all members who have a paypoint card to help transfer to standing order.  If you have any queries or require further assistance please contact our administration team on Chester 1244 399006 or email them on  Our opening hours are Monday to Friday 10am – 2pm.

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Wondering about our Child Benefit Savings & Loan Account?

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Join us Online!


It is now even easier to join the credit union, you can complete your membership application online. 


We are always looking for ways to improve our services for members old and new and we are pleased to now be able to offer the facility for new members to join the credit union online.

By joining the credit union you are helping your community and providing a safe, affordable and straightforward way for members to save and borrow.  We are community based and are supported by and work with a number of organisations including Cheshire West & Chester Council, Plus Dane Housing Association, Countess of Chester Hospital and Weaver Vale Housing Trust to name a few.

Take a look around our site to find out all about the products and services that we offer and see how becoming a member can benefit you and other credit union members.  If you have any queries or want to speak to one of our members of staff please call us on either Chester 01244 399006 or Ellesmere Port 0151 352 0391.

To join us you can take a look at our membership page or click here to complete an online membership application.



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Dont Be Tempted By Doorstep Lenders!

saving pigWould you like to save yourself nearly £300?

Did you know a typical doorstep lender will charge you £17.50 per week on a £500 loan over 1 year?  that’s £410 in interest and an APR of 272.00%! A credit union £500 loan will cost you £12 per week over 1 year and £116 in interest with an APR of 42.6%, a saving of £294! Why pay more than you need to? For further information call us on either Chester 01244 399006 or Ellesmere Port 0151 352 0391.
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Child Benefit Loans

children clipart

Child Benefit Loans.

West Cheshire Credit Union has provided an affordable alternative to high cost payday and doorstep lenders in the Ellesmere Port area for a number of years but now we are making it even easier for you to manage your loan with ourselves.


We are now offering our Child Benefit Loans which takes the hassle out of having to remember when your repayment is due or making a trip to our office especially when the weather is bad or circumstances make it difficult to get in.

Have your Child Benefit paid directly into your credit union account and we will ensure that your loan is always paid on time and that any additional monies are placed in your savings ready for you to withdraw when needed.

If you would like further information please call in at our Ellesmere Port Branch which is open Mon, Tues, Thurs & Fri between 10am – 1pm or call us on 0151 352 0391 and ask for Ina Fraser, Branch Manager.

West Cheshire Credit Union is a not-for-profit financial co-operative serving anyone who lives or works in West Cheshire. It encourages good money management by helping people to save and provides an alternative to high interest loan companies.

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Volunteer With Us!


Make a difference and volunteer with your Credit Union!


West Cheshire Credit Union is a forward thinking organisation providing ethical and affordable financial services to your local community  irrespective of  social status and economic backgrounds.  Our aim is to ensure that all our members both existing and new are provided with the best possible customer service and as our membership increases the demand for our services grows year on year.

Work occurs at our main offices in Chester and Ellesmere Port, as well as a number of membership points throughout West Cheshire and as a not for profit organisation we rely upon the support of volunteers across a range of areas. We look for volunteers that are able to make a regular commitment, yet at hours to suit you.

In exchange for your work, we offer you:

  • The opportunity to help those in the local area who have financial needs
  • The chance to develop and hone your skills
  • Openings to work within supportive and enthusiastic teams
  • A feeling that you contribute to your local community


Membership Centre Volunteer – Ellesmere Port

We are seeking to recruit two / three volunteers to assist with the smooth running of our Ellesmere Port Office located at 13, Whitby Road. Successful candidates will form part of a team of volunteers who provide (on a rota basis) access to a range of credit union services.

If you can answer YES to the following we would like to hear from you:

  • Experience of dealing with the public face to face
  • Enjoy meeting people
  • Maybe worked in a retail or similar environment
  • Have three or four hours per week spare
  • Want to improve your skills by further training
  • Wish to help your local community

Our opening hours at this location are Monday, Tuesday, Thursday and Friday 10:00 am – 1:00 pm.

You can apply for this vacancy using the volunteer application pack available above or you can contact Ina Fraser, Branch Manager at Ellesmere Port at or call 0151 352 0391.

West Cheshire Credit Union is a not-for-profit financial co-operative serving anyone who lives or works in West and East Cheshire. It encourages good money management by helping people to save and provides an alternative to high interest loan companies.

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