Here you can see a list of our most Frequently Asked Questions organised by category. If your question is not listed, please feel free to submit a question via our contact form or call us on: (01) 4900162

You can apply for a loan by calling into any branch, phoning in to our Call Centre or, if you have online access you can apply online or via our App.

Unless it is a within shares loan, you will need your last 3 payslips and last 3 months bank statements. Further documentation will be required for self-employed applicants.

E-statements more secure than receiving a statement via traditional mail. The statement is stored on our secure servers and is only accessible via online banking. We will alert you via email when your statement is ready to view. Your statements are available as soon as they are generated instead of needing to wait for mail delivery.

You can Opt-In for e-statements from the Online Banking module within your members area. Once you are in Online Banking, click in Subscription Services, select Yes, I wish to opt-in for Electronic Statements and click the Submit button.

Since the e-statement is provided to you as portable document format (PDF) file, you can use your PDF viewer software to save a copy of the statement to your local computer. You can then back it up electronically for archival purposes. You can also print the statement on your local computer and archive the paper copy of you wish. As with all online banking and personal information, you should ensure your computer is secured.

Yes. The e-statement is delivered to you as a PDF file which you can print on your local printer.

You will need a PDF viewer program. You probably already have one installed. The most commonly used program is Adobe Acrobat reader. This are available to download for free from their makers' respective sites.

Adobe Acrobat Reader is one example of a PDF reader program. In order to view your e-statements you will need this or another PDF reader program installed on your computer. These programs are generally available for free download via the web.

You can download Adobe Acrobat reader from the Adobe web site.

If you want a paper statement, simply contact the office and we can have one posted to you.

Members can fill out the form here to register for online banking. A member of staff will contact you on the telephone number provided to verify your identity and complete the registration process. A PIN will be sent to your address securely by post.

You can call our office on (01) 4900162 during office opening hours and our team will be happy to re-issue your pin. Alternatively you can fill in the form here and a member of staff will be in touch to finalise your request.

SCA stands for Strong Customer Authentication, and is required for the user to confirm a member's identify before being granted access to their account.

To access your account, members will need their account number and PIN. Once they have entered an SCA will be sent to the members mobile device which they will need to enter to receive access.

Members will not be charged for the service.

Yes. The Deposit Guarantee Scheme protects depositors in the event of a bank, building society or credit union authorised by the Central Bank of Ireland being unable to repay deposits. Deposits up to €100,000 per person per institution are protected under the scheme.

To become a member you must either:

  1. live in, work in, or attend school or college within the common bond, or
  2. be a member of the family of, and share the same household as, an existing member of the credit union.

Save up to €25,000 with a total monthly savings limit of €3,500.

There are no membership fees.

You can access your account in any branch and register for our online banking and mobile app. www.heritagecu.ie/register

A Zurich Financial Planner will explore your needs and will develop a financial plan tailored for you.

No. Face to face contact is not necessary in Zurich’s advice process, and this is of particular benefit and reassurance given the current challenges we all face from the Covid-19 pandemic.

Zurich will arrange all financial products for you over the phone, via email or through a video call. Information can also be issued to you and returned to a Financial Planner via post.

Zurich will need to gather some personal and financial information from you in order to assess your circumstances. Zurich are required to do this under the consumer protection code but more importantly, it allows them to highlight the best solution from their range of products.

Typically the information gathering, needs assessment and our recommendations of any products will require 2 - 3 interactions between you and Zurich’s Financial Planner.

No. As long as you retain some savings within the credit union, you will continue to be a valued member and enjoy all of the membership benefits which we provide.

If you purchase a Zurich product through this collaboration you will become a Zurich Life customer and your dedicated Financial Planner will continue to be available to you after the initial advice process. You will also have access to Zurich's online customer centre, which allows you view your personal dashboard 24/7.


Zurich Life Assurance plc is regulated by the Central Bank of Ireland. The Irish League of Credit Unions is regulated by the Central Bank of Ireland. Heritage Credit Union Limited is regulated by the Central Bank of Ireland

During the summer months we ask for notice of 3 working days when ordering currency, including UK Sterling and US Dollars. Priority will be given to those who order in advance, however we will try to facilitate members who have not ordered. To avoid disappointment, order your currency in advance.

For all other currencies, 3 days notice will be required ALL YEAR. Please help us to help you by ordering these currencies a week in advance.

At Heritage Credit Union we make every effort to supply all currencies required by our members. We often have UK Sterling and US Dollars available. For other currencies, we will require a 3 days notice at all times of the year, as we do not hold a stock of every currency.

You receive the rate for your currency on the day you collect and NOT the day it is ordered.

Yes, all members can exchange their foreign currency for Euros, which can be lodged to your account or paid out in cash or by cheque. Just call into our office and our staff will be happy to help you.

Not all branches offer Foreign Exchange. Only Rathfarnham, Nutgrove, Fortfield, Harold’s Cross and Manor Street.

You can bring a paper bill or utilities card and pay by cash or from your account.

Yes - we accept debit card payments.

At Heritage Credit Union, we accept debit card payments at the counter, over the phone and online.

Please note that you cannot make card payments to your Share account over the phone.