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Membership - 1st Alliance Community Bank

What is a Community Bank?

A community bank (or credit union) is a not-for-profit financial co-operative owned by, and run for the benefit of, its Members.

In a credit union, people with a common connection, (or “Common Bond”), join together and organize their financial affairs as a group. This enables members to gain advantages, and access services, as part of the group, that they would not be able to enjoy as individuals.

Credit unions operate to a very high set of ethical principles which require that all members are treated with respect and dignity, no matter how much, or little they have saved or borrowed.

Can you become a member?

If you live or work in the West of Scotland, you are welcome to apply for membership.

Membership is open under the following postcode arears:

KA, PA, ML & G

Membership Terms & Conditions

  • 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 £5 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.
  • 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

How to Join

You can apply online or make an appointment in our office.

No Hidden Fees

There are no hidden fees or transaction charges.

Online Access

Instant access to your accounts 24/7 with cuOnline+ banking.

Life Assurance

1st Alliance Community Bank covers members shares and loans in the event of death.

  • 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
How to join

How To Apply

Apply online today or call us to make an appointment.

Online Banking Log In Register

Our member service team will contact you when your application has been processed. Online applications will be required to pay £5 into their shares to activate the account.

If you would like more information on 1st Alliance Community Bank please contact us today.

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