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How to Join

Become a member today and benefit from safe saving and affordable borrowing.

 

Joining is simple and if you live, work, volunteer or study within Cheshire West and Chester or Cheshire East you qualify for membership under our common bond rules. We accept members of any age however the application process is slightly different for our Junior members aged under 16 so please give us a call for further details.

 

Adult Membership Applications

 

You can join the credit union by completing a membership application form available to download here or from one of our offices.  Please return the completed application to us together with  two acceptable forms of identification. 

Alternatively you can complete an online application here on our website.  By completing your membership application online you agree to West Cheshire Credit Union completing an electronic identity check to comply with Anti Money Laundering Regulations.

 

Paper based Application – The Process

 

·         You can obtain an application form by downloading and printing one off this website or you can contact one of our offices and we will post a membership application form to you.

 

·         Complete the membership application form in full, ensuring you read and sign the declaration.

 

·         Post the application or drop it off at one of our branches together with two acceptable forms of identification and we will do the rest.

 

·         We process all applications as soon as possible, usually within five working days.

 

·         After your application has been processed we will email or post out a member’s handbook which will contain your unique membership number and details about operating your account. 

 

We do not recommend that you send important documents through the post and cannot accept responsibility for anything that may go missing in the postal service. We suggest that you bring documents in to one of our offices where we can photocopy them for you. Unfortunately we are unable to process your application until these have been received.

 

Online Application – The Process

 

·         Complete the online membership application form in full which can be accessed using the link below. 

 

·         We process all applications as soon as possible, usually within five working days.

 

·         After your application has been processed we will email to you our member’s handbook which will contain your unique membership number and details about operating your account. 

 

 

Please note that there is a one off £5 non refundable membership fee which can be paid at the time of joining if completing a paper application or, if applying online can be deducted from your first deposit.  We ask that all members maintain a minimum balance of £2 in their account for it to remain active.

 

Junior Membership Applications.

 

Junior accounts can be opened for any child or young person under the age of 16 who lives or attends school within Cheshire however applications can only be submitted by a parent, guardian or person with parental responsibility.

 

You can download a junior membership application form here or you can call one of offices and we will post one out to you to complete.  

 

Due to Anti Money Laundering Regulations as part of the application process we will need to confirm the identity of both the child or young person named on the account as well as the adult opening the account on their behalf.

 

Both the junior member and the adult who opened the account will need to sign any withdrawal requests, assuming the child is old enough to sign.  Please note that once the child turns 16 the account will automatically convert to a standard adult saving account held in the juniors name only.  From this time the adult that opened the account will no longer have access to any of the account details and will be unable to request any withdrawals or receive statements.

 

There is no membership fee for junior members to open account.