If you think you may have an account and have not used it in some time, there is no need to join again. If you have maintained the Minimum Shares requirement your account will remain open but flagged as Dormant. The minimum Shares requirement for membership of Link Credit Union is €10. It is the Members responsibility to ensure that sufficient funds remain in their Share Account to retain membership.

What are my options?

Reactivate your account: To do this you will need to provide;

1. Up to date photographic identification: drivers’ license / passport
2. Up to date proof of address: utility bill / bank or credit card statement / letter from government dept (document dated within the last 3 months)
3. Evidence of your PPSN must be provided, if not already held (we cannot accept the Public Services Card).
4. Carry out a transaction on your account (lodgment or withdrawal).

Then you will be required to perform a transaction on your account (lodgment or withdrawal).

Close your account: To do this you will need to provide;

1. Up to date photographic identification: drivers’ license / passport
2. Up to date proof of address: utility bill / bank or credit card statement / letter from government dept (document dated within the last 3 months)

Then you will be able to withdraw your shares and close your account.

Transfer your account to another Credit Union: If you wish to transfer your account to another Credit Union, you will need to open a new account with them and authorise them to transfer your account. You will need to provide up to date photographic identification and proof of address to your new Credit Union, which can be used to update the information held with Link Credit Union, enabling the transfer to take place.

Standard Rules for Credit Unions: Rule 22. Dormant accounts

“The Credit Union may deal with shares and deposit accounts as hereinafter provided when there has been no member-initiated transaction on the account for a period of three years and when no reply has been received within thirty days from the member to a notice sent, by ordinary post, to him/her at his/her last known address, of intent by the Credit Union to close the account(s). Dividends and interest shall continue to be payable on such accounts.”