THE CURRENT ACCOUNT & DEBIT CARD
Finally, a Real Choice!
You will now be able to manage your daily finances no matter where you are in the world. With access to your funds in-branch, online or on the app, Current Account from First Choice Credit Union gives you all the benefits you expect, but with the personal touch of your trusted credit union.
HOW TO OPEN A CURRENT ACCOUNT & APPLY FOR A DEBIT CARD
HOW TO APPLY FOR YOUR OVERDRAFT ONLINE
FEATURES & BENEFITS
- Easy to sign up
- Overdraft available up to €5,000
- Automate regular payments using Standing Orders & Direct Debits
- Use in-store, online or at ATMs
- Cashback available at participating retailers
- Free Contactless payment
- Transparent Fees
- No surcharge interest on overdrafts
- Globally accepted Mastercard® Debit Card
- Stay in control with our Mobile App, eStatements and eFee Advices
- Secure online shopping
- 24/7 support for lost/stolen debit cards
FAQ's & FURTHER INFORMATION
Who can apply for a Current Account?
Can I use my card abroad?
You can use your card anywhere in the world where the Mastercard Acceptance Mark is displayed. Foreign exchange fees and charges apply where the transaction is performed outside the Eurozone, details of which are contained in our Fees & Charges Leaflet.
What happens if my debit card is damaged, lost or stolen?
Please call the Card Services Team 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). We will then cancel your card immediately and a new card and PIN will be issued to you at your request.
Currency Conversion Calculator
When you use your Debit Card for purchases in foreign currency or ATM withdrawals in foreign currency, these transaction will attract additional fees and charges that are charged to your Current Account as they occur, typically on the date the transaction is posted to your Current Account.
Mastercard foreign exchange rates will also apply and are subject to change.
This currency conversion calculator allows you to see the foreign exchange rates set by Mastercard to convert from the transaction currency as well as the European Central Bank’s euro foreign exchange reference rates for the EEA country currencies and the fees and charges that apply.
Are there any instances where concessions are provided?
From time to time, we may provide concessions to Account fees and charges to you if you are an eligible student.
You may be eligible for these student concessions if you are:
(a) an applicant for an Account or an Accountholder;
(b) aged between 16 and 25 years inclusive; and
(c) pursuing a full-time course of study for one academic year or more in a secondary school or third level
institution recognised by the Central Applications Office (CAO), where full-time equates to 21 or more
hours per week.
Please see the Current Account Terms & Conditions Booklet for further information.
Can I change my Debit Card PIN?
Yes. You can change your card PIN to something more memorable at most ATM machines. You just need to have your card available, enter your existing card PIN and follow the instructions.
What do I need to know about fraud and protecting my account?
There are multiple ways you can help alleviate the potential for fraud on your account. Click here to see our Protecting You & Your Current Account from Fraud Booklet
Mastercard is a registered trade mark and the circles design is a trademark of Mastercard International Incorporated. This card is issued by Transact Payments Limited pursuant to licence by Mastercard International.