You can apply online through your online banking area at www.comharlinnintocu.ie/login (you must be registered for Online Banking with Comhar Linn to apply online). Alternatively, you can download the Current Account application form and post/email to our office.

Available to existing and new members at Comhar Linn that are over 16 years of age.

Account holders over 18 years of age can apply for an overdraft online or in their branch, up to a maximum of €5,000.

Account holders can use their card anywhere in the world where the Mastercard Acceptance Mark is displayed.

Members with online access to their Comhar Linn account can avail of free current account e-statements every quarter. If you do not have online access you will receive your statement by post (there is a €2.50 postal charge).

Please call 01 6933333. There will be someone available 24/7 to take your call.

iPhone
• Open the Apple Wallet app on your device
• Tap the plus sign at the top of the screen
• Have your card ready and follow the step by step instructions

Apple Watch
Cards must be added from the Watch app on the paired iPhone. If more than one Apple Watch is paired to an iPhone, cards must be added to each Apple Watch separately.

1. Tap the Watch icon to open the app on iPhone
2. Scroll to ‘Wallet & Apple Pay’
3. Tap ‘Add credit or debit card’
4. Complete the verification steps

If you forgot your pin for your debit card please call card services on 01 6933333. Card services is open 24 hours of the days 7 days a week.

You can call our team on (01) 873 11 01 during office opening hours or alternatively select register for access and complete and submit our form and a member of our staff will be in touch by phone to finalise your request.

Register

You can call our office on (01) 873 11 01 during office opening hours and our team will be happy to re-issue your pin. Alternatively select 'Member Area' below followed by selecting "Lost Your Pin", then simply complete and and submit the online form and a member of staff will be in touch to finalise your request.

Member Area

If you have not logged into your account in the past 12 months, you will need to register for a new PIN through the Register for Access page. If you are receiving a “Timed Out” message when logging in, please enable cookies on your browser. There is a guide on how to do so available through the Help menu. For any other login issues please contact the office on (01) 873 11 01.

Register

SCA stands for Strong Customer Authentication, and it is one of the regulations under the Revised Payment Service Directive (PSD2). It states that a customer must verify their identity before payment information can be exchanged between a financial institution.

SCA codes are automatically sent to the app, regardless of whether a member has our Comhar Linn INTO app or not, they need to choose to have it sent via text, which is the easier option.

If a member hasn’t used their PIN in the last 12 months they are required to register again. Members can register for a new PIN here.

To access your online account, members will need their account number and PIN. Once this has been entered on the main website www.comharlinnintocu.ie, a code will be sent to the members phone by text message. Once the online access has been activated you can then download the mobile app.

Members will not be charged for this service.

There are various ways in which members can access their accounts:
Members can:

• Access your account through our online app or online access - please find more info here
• Register for online access - please register here
• Contact us by email: info@intocreditunion.ie and a member of staff will respond to your query
• For any queries regarding your account you can call us on (01) 873 11 01 to leave a message, and a member of staff will return your call.

Email Us

You can apply for a loan once your account is open, there is no waiting period.

The collateral for a loan is €5 up to 10% of the loan amount you wish to borrow depending on circumstances. The only exception is our Saver Loan where we require you to hold the full amount of the loan value in your share account until your loan is repaid.

Any savings outside of the collateral can be withdrawn once we receive written instruction.

The top up facility entitles members to apply for a new loan while still repaying an existing loan(max of three per 12 months),

Supporting documentation will be required.

You can borrow, but you may need a family member in a full time permanent position to act as guarantor.

There is no penalty for clearing loans early, no hidden charges.

You may use the document uploader, or email bank statements by PDF to the loans@intocreditunion.ie address, please quote your member number on all correspondence.

Once issued it takes one working day for the funds to reach your bank account.

At Comhar Linn we pride ourselves on the delivery of a member focused friendly service.
However we do recognise that on occasion, things can go wrong and you may as a result encounter difficulty with some aspect of our service or products.
If you feel we haven’t met your expectations, or there is some way that we could have looked after you better, please share your experience with us at info@intocreditunion.ie

If you are experiencing financial challenges we are here to help. As always our team are here to help members that face financial difficulty with their loan repayments.

Get in Touch

Yes the member draw is an exclusive draw only available to members of Comhar Linn

To enter our Member Draw please visit www.comharlinnintocu.ie. Select “Member Draw'' from our list of Services. Here you will have the option to enter the draw by printing our Member’s Draw application form. You can scan or post the completed form back to us.

Visit Car Draw

Prizes include: Cash, Tickets & Hampers

Yes a family member can apply for our bursary programme, they must become a member first before they can apply.

No, our bursary programme is exclusive to members only. To apply you must first need to apply for membership.

Yes all fields must be completed by the member to apply for this category.

Yes you need to be accepted into one of the colleges of education to apply for this category. Proof of college acceptance is required.

Those applying for a bursary must meet the following Criteria:

Common Criteria (Categories 1,2 & 3)

• All applicants must be a member of Comhar Linn
• Applicants must have completed the Leaving Certificate Examination
• Completed applications must be received by June 30th 2023
• Must be accepted/enrolled in an accredited institution
• Evidence of College attendance or acceptance to College must be supplied with their application (Student Number and College Fee invoice will be accepted)

Category One Criteria

Successful candidates from Category One ONLY will agree to act as College Ambassadors for Comhar Linn for the academic year the bursary is awarded. This includes dedicating time each week promoting Comhar Linn to their peers & reporting to the Marketing Manager each month. This activity will include:

• Maintain Social Media presence for Comhar Linn at College
• Identify sponsorship opportunities
• Comhar Linn Student Council participation - How to make Comhar Linn more relevant with students

The winners will be invited to participate at an Awards Ceremony at each of the colleges the students will be attending in 2023 in November (TBC)

Applicants are confined to students in each of the four teacher training colleges in Ireland (DCU St Patrick’s College, Mary Immaculate College, Maynooth College and Marino Institute of Education.)
Awards will be given on:

• The quality of the entry application form provided by applicants
• To students who contribute to their school in some way, e.g. student committee, prefect, etc.
• To students who contribute in some way to their community, e.g. Gaisce Awards, Youth Club leader, etc.
• Knowledge of Credit Unions and their value to society

Categories Two and Three Criteria

Available to applicants commencing or continuing their full-time, Third-Level Education, at any approved University or third level educational institution within the EU.

All applications must be submitted by June 30th 2023.

• Children of Staff, Management, Directors, Oversight Board Committee of Comhar Linn are not eligible to apply.
• A family may be in receipt of only one Education Bursary at any one time.
• An applicant may apply under one category only.
• The successful winners will be announced in August 2023.
• The Board of Directors of the Credit Union reserves the right to alter any of these terms and conditions at its sole discretion without prior notice.
• In applying for the bursary, you are agreeing to participate in promotional activities such as photo opportunities or videos arranged by Credit Union, you are also agreeing to your name and photo as the winner of the Bursary being used across our social media and press media outlets.
• Unforeseen circumstances concerning eligibility will be reviewed if they arise during the tenure of an award.
• The decision of the assessment panel will be final. No correspondence will be entered into.

You can apply for a budget account by contacting the office on (01) 873 11 01 and a member of staff will arrange for the application forms to be posted to you.

The budget Account is a stress free way to manage your finances. It allows a sense of control over your bills. It removes the burden of a large bill in any one month with the paying of a regular sum thus spreading the cost out evenly over the year.

An e-statement is an electronic version of your bank statement. It is formatted as a traditional bank statement, but is available to download as a PDF file from the Member Online Banking Area.

E-statements are 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 a 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 if 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. These 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.

E-statements can be generated at any time through your online account. Alternatively, you can request a statement be posted to you by calling the office on (01) 873 11 01 or by submitting your request via the post/email/Contact Us form.

Make an Enquiry

Peopl insurance was created by Credit Unions with a shared simple belief, that insurance in Ireland isn’t working in favour of those it’s supposed to serve. Peopl set out to build a new type of insurance using the principles Credit Unions have always worked to – ordinary people coming together using their collective power to rebalance things.

Peopl Insurance are backed by some of the leading Insurance companies in Royal London, RSA, AIG, Liberty and Mapfre.

Comhar Linn has partnered with Peopl. Insurance to enable the Staff of the Credit Union to refer Members for their Insurance needs for Life, Home and Travel Insurance. This service is offered on a “Non Advised Referral basis". Peopl Insurance is Approved by the Central Bank of Ireland and provides a safe regulated environment.

This means when a member asks us about Home or Travel Insurance or Life Insurance our team at Comhar Linn don’t give Advice we simply direct our members to get a quotation through one of the easy methods, by phoning the Call Centre or Clicking on the Credit Unions Website or on their Mobile Phone.

Yes we do, Loan Protection Insurance cover is provided by Comhar Linn INTO Credit Union on the lives of eligible members with credit union loans.

Yes we do, Life Savings Insurance is payable on the death of an eligible member subject to the policy terms and conditions.   Comhar Linn INTO Credit Union has a maximum limit payable of €13,000.

A Savings Cap was introduced in Comhar Linn in June 2020 and restricted savings in regular and special share accounts to €50,000.   In June 2022 the Cap was reduced to €40,000 and a monthly lodgement limit of €10,000 was also introduced. An increase in member savings during this period was overshadowed by the low-performing investment environment at the time.  The returns on savings and investments were minimal due to continued low interest rates, including, in some cases, negative interest rates. Our guiding principle in making decisions is always to protect the long-term best interest of all members while ensuring we remain operationally sound.

We are very grateful our members supported our cap and monthly lodgement limit. We have continuously monitored the situation with a view to removing the cap when possible. With your help, along with improved investment returns, we have recovered our capital position which now stands at just over 14%.

The current interest rate environment is attractive with a blended rate of return being circa 1.9% YTD.  Additional receipt of funds from members will enable the credit union to augment our surplus and further protect our capital. Keeping in mind the savings trends, we have completed a recent exercise to forecast our capital position, including a scenario considering lifting of the savings and monthly lodgement cap which confirms that we will continue to remain sustainable if the cap was lifted.

All members will now be able to save up to €100,000 with us.  We are also removing the monthly lodgement limit. 

Under the Credit Union Act, the Central Bank introduced a regulation limit to individual members’ savings to €100,000. The maximum combined amount an individual member can hold in a Regular/Special share/Current Account with us is €100,000. This rule was introduced for all accounts opened since 1st January 2016.

We are grateful that members supported our savings cap.  We are happy to accept a lump sum to your account and apologise for any inconvenient we may have caused you in the past.

Yes of course.  We want to make things as easy as possible for you.  We will accept a change to your existing DAS contribution over the phone.  We will need to verify your identity to proceed with your request.

We are a financially strong and stable credit union, and your savings continue to be guaranteed by the Government Deposit Guarantee Scheme up to €100,000. This scheme is operated by the Central Bank of Ireland. The DGS provides protection which ensures that an individual member’s funds in any one particular credit institution is covered up to a maximum amount of €100,000. In the case of joint accounts, the limit of €100,000 applies to each individual member. 

It is too early to determine what rate of dividend, if any, the credit union will pay out. We will communicate with members directly to inform them of the dividend once we are in a position to do so.

The amount of insurance benefit which an eligible member may be entitled to and is in direct proportion to their savings and the age of the member.

To achieve the maximum insurance values, the minimum balance in a member’s savings must be €13,000.00 from the date of the relevant birthday up to the date of death

Withdrawals will affect the amount payable, as any claim is based on the lowest savings balance for each bracket up to the date of death.

You can make a withdrawal by logging into your online banking area. Alternatively, you can submit a written request via the post or the secure contact us section. Please note you will need to be logged into your online account using your pin to submit a secure contact us request.

Log in

A written request is required to amend or cancel a salary deduction or direct debit payment. This can be submitted via the post, by email via 'Make an Enquiry' form on the website or by logging into your online account and submitting a secure Contact Us form.

Make an Enquiry 

No, Comhar Linn INTO Credit Union will send the instruction to the Department of Education on the members behalf.

The deduction specified by the member will come into the credit union every payday (fortnightly basis only).

Yes, the form is available to download from our website https://comharlinnintocu.ie/services/downloads alternatively please contact the office on 01 8731101 and we can send the mandate by post. The mandate must be returned to Comhar Linn INTO Credit Union.

Full time permanent teachers, retired teachers or teachers covering a fixed term contract. At present there is no facility to set up a deduction at source for substitute teachers

Members avail of a stress free way to pay into their Comhar Linn account, the payment is taken at source and shows as a deduction on the members payslip. There is no need for the member to organise a further transfer each payday.

At present, there is no deduction at source facility for substitute teachers. Substitute teachers can avail of our direct debit facility.

Members will receive a mandate to complete when applying for a loan application.

Serving Teacher Salary Deduction Mandate or Pension Deduction Mandate. Forms are available here

https://comharlinnintocu.ie/services/downloads

Financial institutions are obliged to collect and report certain information to their tax authority. This applies where they are based in any jurisdiction signed up to the Foreign Account Tax Compliance Act (FATCA) or Common Reporting Standard (CRS). This information can then be exchanged with tax authorities in other jurisdictions.
Ireland has signed up to both the CRS and FATCA. Irish financial institutions review their accounts to identify and report account holders who are not tax-resident in Ireland or are USA Citizens. Revenue then exchanges the information with the appropriate jurisdiction if they are signatories to CRS or FATCA.

Foreign Account Tax Compliance Act (FACTA)is an information sharing agreement between Ireland and the United States of America. In December 2012, both countries agreed to exchange financial account information supplied by Irish and US financial institutions. US financial institutions report details of accounts held by Irish tax residents. Irish financial institutions report details of accounts held by US citizens and US tax residents.

The Common Reporting Standard is the agreed global standard for Automatic Exchange of Information (AEOI) of financial information. It was approved by the OECD in February 2014. Ireland is one of over 100 jurisdictions that have signed up to the CRS.
Under DAC2-CRS Irish financial institutions report details of account holders that are not tax-resident in Ireland or the US. Revenue then exchanges this information with the participating jurisdiction of residence.

We will require you to fill in a self-certification form. This form will will ask for details of your tax residence or citizenship and Tax Identification Number (TIN), if you are a non-resident or a USA citizen.

We may need to request information or documentation from you to verify your status for FACTA reporting. You may be asked to supply information in the following circumstances:

1) A new member: As part of the onboarding process you are required to populate a self-certification. This self-certification will ask for details of your tax residence or citizenship and Tax Identification Number (TIN), if you are a non-resident or a USA citizen.

2) An existing member: For whom we don’t hold the relevant information for your tax residency or citizenship status. You will be required to populate a self-certification form

3) An existing member: Where there is a change of information on your accounts which may indicate a change in your status for FACTA reporting purposes. (i.e. a change of address to or from the USA or other jurisdiction outside Ireland)

No, once you are confirmed as an Irish Tax Resident no further action is required.

For more information visit Revenue