Junior Accounts

1. A junior account is for any member under 16 years of age.
2. An account may be opened for a child by any adult, however, ID documents are required for the child’s parent/legal guardian.
3. Only the child’s parent/legal guardian are allowed to withdraw from the account. If necessary, a mandate can be put in place on account opening to establish which parent/legal guardian can withdraw from the account.
4. Once the child turns 16, the account is deemed to be an adult account and all mandates are null and void, i.e. the child can withdraw from the account in their own right.

How to open a Junior Account

1. The child must meet our common bond requirement to qualify for membership (see below).
2. The following documents are required for the parent/legal guardian:
   
   
1. Current photo ID (one of the following documents): Passport, Driving Licence, National Identity Card, Public Services Card, Form ML10.
2. Proof of address (one of the following documents which must be dated within the last six months): Revenue Commissioners/Department of Protection letter, local authority document, bank, building society or credit card statement, utility bill, household or motor insurance certificate
3. For those living outside the common bond but working within it, proof of employment is required (a letter from their employer or payslip dated within last three months).
3. The child’s birth certificate or passport, and proof of their PPS number, are also required.

Common Bond

You are eligible to become a member of Buncrana Credit Union if you work or live within our common bond. Our common bond includes the whole of the Inishowen Peninsula. A child of a member who works within the common bond is eligible for membership if they reside at the same address.