In order to comply with the Criminal Justice (Money Laundering & Terrorist Financing) Act, 2010, First Choice Credit Union is required to establish the identity and verify the permanent residential address of all its members. This information must be kept up to date. We have listed below some frequently asked questions from our members.
Does First Choice Credit Union send emails/texts through ID-Pal to members requesting documentation updates?
Yes. First Choice Credit Union is using the ID Pal App to update the identity and verify the permanent residential address of all its members, you may have received either a text message or an email about this.
ID Pal is a simple, secure and convenient way to verify the identity of members in order to comply with Criminal Justice (Money Laundering & Terrorist Financing) Act, 2010.
The digital solution streamlines the process by providing a mobile app for members to upload their ID & proof of address, saving you the time and the effort of having to call in-person to a branch.
Is ID Pal App secure?
Yes. ID Pal is a safe and secure way of providing your ID & proof of address to First Choice Credit Union.
How does ID Pal work?
You must click on the link provided, and this will download the app onto your phone or computer.
You then go into the app and complete the following:
- Take a picture of your photo ID
- Take a picture of your proof of address
- Take a picture of yourself.
- Q. Why do I have to take a picture of myself?
- A. This is so that ID Pal can verify that your photo ID is genuine.
- Review Your Personal & Address information & correct if necessary
- Answer the additional Information Questions
Acceptable Proof of Identity
- Current Valid Passport
- Current Valid Passport Card
- Current Valid Driving Licence (EU or UK)
- Current EU National Identity Card
Acceptable Proof of Address
- Utility Bill (e.g. telephone, gas or electricity)
- Mobile Phone Bill
- Bank Account Statement
- Credit Card Statement
- Original Insurance Documents (health, household or motor)
- Revenue Correspondence
- Social Protection Correspondence
- Correspondence from a Government Department
- Valid Driving Licence (if not already used as Proof of Identity)
* Correspondence must be dated within 6 months at the date of presenting it within a branch or upload using ID-Pal.
Unfortunately, we cannot accept the PSC (Public Service Card) as proof of Identification.
Why can’t you accept Public Services card (“PSC”)?
This is not a National Identification Card and is not meant to be used as such. Its purpose is for claiming benefits from the Department of Employment Affairs and Social Protection. It does not have a Date of Birth field and cannot be used as an identification card.
Will ID Pal then have a copy of my photo ID and proof of address?
No. Once First Choice Credit Union have received the photo ID and proof of address through ID Pal, these records will then be deleted from ID Pal in line with First Choice Credit Union’s retention policy.
Why are we updating Member Records?
First Choice Credit Union is legally required under the Criminal Justice (Money Laundering & Terrorist Financing) Act 2010 to obtain and hold identification documentation for all its members.
I am a member for years and well known to staff, why are you requesting this now?
Under legislation being well known to the First Choice Credit is not sufficient proof of identity – it is a legal requirement that First Choice Credit Union need to seek to have a copy of your proof of ID and proof of address on file.
I have produced ID documents in the past; why am I being asked for them again?
We have reviewed our member records and have determined that we need to obtain a copy of up-to-date identification documentation for you as when you opened the account, the various account opening legislation was not as encompassing.
I do not possess a Passport/Driving Licence. What are my options?
If you have any questions or require further assistance you can contact us on 094 9022969 or call to any branch and talk to our team.
What happens if I don’t provide documentation?
Unfortunately if you do not provide the required documentation we will be forced to suspend transactions on your account. This means that no lodgements to or withdrawals from the account will be permitted. This includes all transactions including manual, automated or through internet banking. Repayments to loans will be permitted to prevent members from developing arrears and their credit rating being affected.
Our staff will be happy to assist you and your cooperation in this matter is greatly appreciated. If you require any further clarification or if you have any other questions, please feel free to email us at firstname.lastname@example.org or alternatively you can contact us at 094 9022969.
Thank You for your cooperation.