New Accounts

1. Can I join Monaghan Credit Union?
In order to become a member of Monaghan Credit Union you must either live, work or study within the common bond. Find out who can join the credit union.

2. How do I join Monaghan Credit Union?
You can open an account in our office. Click here to find out what documents you need.

3. What do I need to open a child’s account?
A Parent or guardian can open a minor account (under the age of 16) on behalf of the minor. You will need the following:

  • Birth Certificate for the minor
  • Proof of PPS Number for the minor
  • Photographic ID for the parent/guardian
  • Address Verification for the parent/guardian

4. I am with another Credit Union can I join Monaghan Credit Union?
Yes, you can be a member with more than one Credit Union provided you meet the common bond requirements.

5. Can I transfer my account from one Credit Union to another?
Yes, we can transfer your account from your previous Credit Union to Monaghan Credit Union. You will need to have an account with Monaghan Credit Union before the transfer can take place, the transfer can be arranged at account opening or any time after.

Online Banking

1. Can I view my account online?
Yes, you can register for Online Banking, once registered you can view account balances, download statements, transfer funds, apply for a loan and much more. Click here to find out more about Online Banking.

2. Is there a Monaghan Credit Union Mobile App?
Our Mobile App is called “Monaghan Credit Union” and can be downloaded from the Google Play Store or Apple App Store, wherever you get your apps. Full details on the Mobile App.

3. Can I transfer money into and out of my Monaghan Credit Union Account?
We allow members to transfer money electronically from their bank account to their credit union, and vice versa. All we need is your bank IBAN and BIC, as well as your member IBAN and BIC. Feel free to contact us if you’ve any questions.

4. Can I pay bills online?
Yes, you can pay bills online and in branch. You will need the receiver details for the bill you wish to pay. You can set up a frequency (weekly, fortnightly or monthly) on your account for a set date with a set amount to pay. Or you can also make one-off payments at any time.

5. Are there charges for online or electronic transfers?
No all-electronic payments are free of charge. However, if you transfer funds abroad using another currency (dollar/sterling etc) you will pay foreign exchange fees. Foreign exchange transfers can be done in branch only.

6.What do I do if I can’t remember my username and/or password?
When logging in you will see the option to click “Forgot Username” and “Forgot Password”. If you click “Forgot Username” you will be prompted to enter your email address and you will be sent your Username via email.
If you click “Forgot Password” you will be prompted to enter your memorable word. If you do not have this or cannot remember please contact us and we can issue you with a new password.

7. My online banking is suspended, what do I do?
Contact us by phone or email to have your online account reactivated.

8. When I log in, I get an error message saying “Invalid Credentials”, what do I do?
This message means you are using an incorrect username/ password, or incorrect case for the username/ password e.g., capital letters where they should be lower case. If you are unsure of your username, click “Forgot Username” when logging in and you will get a reminder.


1. Can anybody else lodge money to my account?
Yes, anybody can lodge funds to your account using your book or account number. They will not be given closing balances or any information on your account.

2. Can I have my wages or social welfare paid into my account?
Yes, you can have income paid directly into your Credit Union account using your IBAN and BIC. Talk to a member of staff for more details.

3. Can I lodge money to my account or pay a loan using a debit card?
Yes, you can make debit card lodgements in branch at the counter, by phone and through your online banking when logged in.

4. I don’t have my book. Can I lodge, or take out, money without it?
You can make transactions in the branch without your book, we will ask you some security questions to verify your identity and check your photograph/signature against what we hold on file.

5. Can I withdraw my savings at any time?
Yes, you do not need to give notice to withdraw your savings. We do have daily cash limits, talk to a member of staff for more details. You can withdraw any amount by cheque or electronic transfer at the counter. However online transfers may require further information.

6. How do I check my balance?
You can check your balance online, once registered for Online Banking.
You can also request a balance receipt in branch and you can request a balance or statement by phone.

7. I have moved, how do I change my address?
In order to update/change your address you will need to provide verification of the new address dated within 6 months. This can be dropped into branch.

8. What is Death Benefit Insurance?  

Death Benefit Insurance (DBI)

DBI cover of up to €1000 has been introduced by Monaghan Credit Union on 1st January 2024.

This can be used towards undertaker costs and expenses at the time of your death. All eligible members must have €100 in their savings.

Current Account

1. What are the fees and charges for the Current Account?
Click here for all Fees & Charges
There are concessions for students and seniors – ask a member of staff for more details.

2. Who can apply for a Current Account?
Any active member of Monaghan Credit Union over the age of 12 can apply for a current account. Members aged between 12-16 will need parent/guardian consent.

3. How do I open a Current Account?
You can also apply in branch, via appointment.

4. What happens after I open a Current Account?
Shortly after you apply for a Current Account you will receive a welcome letter by post containing your IBAN and BIC for your current account section. You will then receive your Debit Card by post within 10 working days, followed by your 4-digit PIN number.

5. I misplaced/damaged my Debit Card, what do I do?
If you have temporarily misplaced your Debit Card you can suspend the card through your online banking when logged in or by calling Card Services Number on (01) 693 3333

6. Can I get cash using my Debit Card or shop online?

Yes, you can use your Debit Card in shops, ATMs, and online. Our Mastercard Debit Card is accepted globally. Read more.

7. What do I do if my Debit Card is stolen?

If you need to get in contact regarding a lost or stolen debit card or you are suspicious of a transaction on your debit card account, please call Card Services Number on (01) 693 3333

If you would like more information please contact us today.

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