Who are you?
To comply with the law, we have to have proof of your identity and proof of your address before we can open your account or offer you a loan. This is to ensure that the Credit Union is not used to hide the proceeds of crime.
If you join by post or online then we may be able to verify your identity online, using the electoral register and other records, including verification with credit reference agencies. If we can't do this, we will ask you for further proof. 
If you are joining in person, we ask you to bring in proof of your identity, preferably a current passport or photo driving license. If you don't have a passport or driving license, please bring in a benefits, tax credits or pension letter, or bank statement. If you have a photo ID, for instance a works card or bus pass, please bring this too.
As proof of address we ask you to bring in a recent utility bill (not mobile phone) bank statement (if you are using this as proof of ID we need another document to prove your address) or an official document with your address, or proof of your tenancy or mortgage.
Even if you do not have this kind of identification, we still want you as a member. Please bring in whatever documents you have, and we will help you to obtain further proof if we need it.
We will also need your National Insurance (NI) number to open your account.
Loan applications
If you are applying for a loan, we need proof of your identity and address, as above, and proof of your income, for instance payslips, benefits and tax credit letters, and 3 months bank statements, if you have a bank account. If you live with a partner and share your financial responsibilities, we will need proof of their income and identity as well.
Young Saver Account applications
If you are opening a Young Saver Account, we need to see ID as above (or check identity online) for the adult signatory on the account, and we need to take copies of the child's birth certificate or passport. If you are not the parent or guardian the child lives with, we would also like confirmation that they are happy for you to open the account.
