Join us today! How to get started
1. Download our Mobile App
2. Make sure you have valid ID ready
3. Complete the form
4. Verify your Identity
5. Upload required documentation
6. Sit back and wait for us to review and approve
Download today and reap the benefits of becoming a member.
An individual who resides in or is employed in the locality of the West of Scotland. This covers the following postcodes: KA, PA, G and ML.
For Junior accounts - birth to 16 years, the adult opening the account must be an existing member.
Online you will be prompted to provide:
- Proof of address, this should be a letter no more than three months old.
- Proof of ID, ideally a passport or Driving license, please call us if you do not have these.
- ID Snapshot, you will be promoted to take a selfie.
Bring the Following:
- Proof of address, this should be a letter no more than three months old.
- Proof of ID, ideally a passport or Driving license, if you do not have theses please let us know when you make your appointment.
- £5 to start your membership.
Applications can be made by an existing adult member online or by an office appointment.
- Up to date ID for the Adult
- Passport, Birth certificate or Young Scot card for the Junior
- A Share Account may be opened by completing a Membership Application and by
providing appropriate identification documents. - A minimum deposit of £1 is required to join thereafter the minimum balance of £10 is required.
- The minimum share deposit required by members is £2 weekly, £5 fortnightly, £10 monthly.
- Minimum share deposits required while repaying a loan will be discussed at loan application.
- It is your responsibility to inform us of any changes in your personal details.
- Evidence of personal changes such as name or address will be required.
- Members with outstanding loans may only withdraw shares if their value exceeds their loan
balance and any future interest and the amount they withdraw will be limited to the surplus
shares over loan, e.g. a member with an outstanding loan of £100 including interest and a
share balance of £150 may withdraw up to £45. - An Annual Dividend may be paid, gross of tax, on Share account, subject to surplus. Dividend
rates will be decided at the Annual General Meeting. - An annual service charge of £10 applies, on September.
- Loan default will result in transfer of Shares and if required any other balances.
- We have the right to cancel membership if:- a) We believe you have fraudulently acquired membership/services from us b) You have not met the terms and conditions of membership
Join
Membership Made Easy
With advanced biometric facial verification, and the ability to submit proof of ID, we're offering you a safe and reliable way to become a member.
In order to start your Online Membership journey, you will need to download our Mobile App.
Join Using Your Phone
We’ve created an intelligent and secure method for you to become a member directly through your mobile phone. All you have to do is download our Mobile App to take full advantage of joining as you go.
Secure Facial Verification
We use advanced biometric facial technology to capture and verify who you are. Simply take a quick selfie and you’re done. This intuitive technology, ensures becoming a member is quicker than ever.
Reliable Identity Check
We’ve created a way for you to share proof of ID with us that’s both secure and reliable. As you progress with your application, you will be given an opportunity to show your ID there and then. There’s no waiting around.
Quick Online Access
Once your membership has been approved, we'll text you a temporary pin so you can have immediate access to your online account. You won’t have to worry about anything, we will do the rest.
