Frequently Asked Questions

Lost your pin

A member of staff will contact you on the telephone number provided to verify your identity and complete the process. A PIN will be sent to your address securely by post.

Read more about security

Security Overview

The Members Area utilises several layers of technology to ensure the confidentiality and integrity of its transactions across the Internet. SSL Protocol (Secure Sockets Layer) ensures that data cannot be read by other computers as it travels between your browser and our server. Digital Certificates allow you to verify that your browser is communicating with our server and not another server posing as our server. Member Numbers, PINs (Personal Identification Numbers), your date of birth and other personal details are also used to verify your identity. In order to provide a banking service on the Internet, it is necessary for information to securely pass between your computer and our server.

Security Definitions

Your Browser – As secure encryption advances, browsers need to be updated to avail of the most up-to-date improvements in secure communications. We recommend that you use an up to date browser. At the very least we recommend that you use Internet Explorer, Google Chrome, Firefox, Opera or Safari

Cookies – A cookie is a piece of information that our server gives to your browser once your browser has established a secure session. The cookie basically tells our system that a secure session has already been established with your computer. Without the cookie data, you would have to login every time your browser requested any information from our server. When you click the Logout button to leave the Members Area, the cookie data is deleted from the system thus breaking the link between your PC and our server. Clicking on the Logout button ensures that you securely terminate the service.

Caching – Caching is temporarily storing of information either in your computer’s memory or its hard drive. When you view a page on the Internet, your browser may keep a copy of that information locally. This can be very useful for quickly retrieving pages that you have visited previously. However it may cause problems when the website has been changed, in which case you could be viewing out-of-date or even incorrect information. Your cache can be cleared.

Frequently Asked Questions

How do I know my account details and other information is kept private?

When your browser and our server are establishing a secure session they will exchange a secret code. This code is commonly called a session key. This session key is used to encrypt all the data as it passes through the Internet including your account details, transactions and loan applications. The information is decrypted only when it reaches your browser.

How do I know that the information sent by the server is accurate and has not been changed en route?

It is important that you know your information has not been tampered with as it travels across the Internet. Part of SSL Protocol involves using a Message Authentication Code (MAC). If a message is tampered with in transit then your browser will not accept the message.

How do I know my member number and PIN are kept private?

When your browser and our server are establishing a secure session they will exchange a secret code. This code is commonly called a session key. This session key is used to encrypt (scramble) all the data that passes between the two computers. Only your browser and our server will have the session key that can decrypt (unscramble) your information.

Member Responsibility

In order to securely use our service, you should always:

  1. Ensure that you connect to the correct web address.
  2. Ensure that your browser indicates a secure session.
  3. Ensure that you click the Logout button when you have finished.
  4. Keep your Member Number and Personal Identification Number (PIN) secret.
  5. Take care of your information once it has been delivered to your browser.

The Correct Web Address

Ensure that the site address you connect to is correct. The legitimate website address to log into the members area will start with https://. If your address bar displays http without the s your session will not be secure.

Secondly, you must ensure that your browser is indicating a Secure Session. The Digital Certificate that our server sends to your browser will allow your browser to uniquely identify our website. Your browser will warn you if the Digital Certificate is incorrect.

WARNING! – Only proceed if the address is correct and your session is secure.

A Secure Session

Different browsers have different ways of indicating that the session is secure and you should consult the documentation or help files on your browser. The links below give details for the most popular browsers.

Secure Websites in Internet Explorer

Secure Websites in Firefox

Secure Websites in Google Chrome

Secure Websites in Safari

Secure Websites in Opera

Log Out

Always finish your session by pressing the Logout Button. This will ensure that your session with our server has terminated securely.

Cookies and Your Security

The Members Area uses a temporary file called a session cookie to check whether you are logged in. The file is temporarily cached on your computer the moment you login successfully, and is deleted immediately you click the logout button.

We do not use cookies to collect or store your personal information. Session cookies are used solely to restrict and control access to the Members Area, and these cookies are deleted once you have logged out. Always click the logout button when you have finished.

Timeout message when logging in

The Members Area uses a temporary file called a Session Cookie to check whether you are logged in. The file is temporarily cached on your computer the moment you login successfully, and is deleted immediately you click the logout button. However, if cookies have been disabled in your browser’s settings, you will not be able to login, and you may receive the following message: Your session has Timed Out due to a period of inactivity

We do not use cookies to collect or store your personal information. Session cookies are used solely to restrict and control access to the Members Area, and these cookies are deleted once you have logged out. Always click the logout button when you have finished.

Can't view the login or any other secure page

If you do not find the answer to your problem here, please contact the Credit Union. Wherever possible, please provide as much detail as well as the error message you receive when encountering this problem.

The login page and the Members Area pages are digitally encrypted by a secure certificate to protect the integrity of information passing between your computer and our web server. These pages can be recognized by their address which usually begins with https://, where the s indicates a secure page.

Unfortunately, older browsers do not recognize the newer digital certificates, and so must be upgraded if logging into your account is required. The advantages of these certificates are clear: no one but you can view your account details.

Sometimes even the latest browsers and operating systems contain bugs or security loopholes which prevent logging in, and it becomes necessary to download a fix or an update for your particular browser or computer.

If possible, you should be using the latest version of Internet Explorer or any of the alternative browsers (Firefox, Google Chrome, Safari, Opera, etc.) You should also make sure you have downloaded the latest patches, fixes and updates for your browser, particularly if you are accessing the Internet from a computer running Microsoft Windows.

These patches, fixes and upgrades usually resolve login problems, but they have the added benefit of improving the security of your computer, protecting against malicious downloads and viruses.

The latest versions of the most popular browsers can be downloaded from the following links:

 

Internet Explorer
Download the latest version of Microsoft Internet Explorer
Safari
Download the latest version of Safari
Mozilla Firefox
Download the latest version of Firefox
Google Chrome
Download the latest version of Google Chrome
Opera
Download the latest version of Opera

If you already have an up to date browser, you may also need to run a Windows Update if your computer is running Microsoft Windows. It is a good idea to run this update regularly because it will improve your computer’s security. The Windows update can be run from the Windows Start Menu » Windows Update, or by clicking the following link:

http://update.microsoft.com

If you have never run this update before, it will take some time to complete the necessary steps. Thereafter, if you run the update regularly, it should be much faster.

The Members Area is being updated when I login

Your account balances and transactions are updated in the website regularly so that when you login you have a recent and up-to-date reflection of your finances. This usually happens either before the working day begins or at the end of the working day, but it does mean that the Member’s Area is momentarily offline. Return to login a few minutes later and you should be able to view the latest information for your account once more.

If you continue to experience difficulties, it is likely that there is some other error, and you should contact the Credit Union.

It says my PIN or Date of Birth are wrong

If you have recently registered for your PIN, it may take up to 48 hours to reflect in the website, and you should try again the following day or contact the Credit Union.

Make sure you enter your details exactly as requested. Here are some guidelines:

Member Number – type your complete member number into the textbox provided, making sure you have no spaces between characters, and you have not omitted anything.

PIN – ensure there are no spaces between characters, and make sure you enter a number only (no alphabetical characters).

Date of Birth – type your date of birth exactly as requested using the formula dd/mm/yyyy. Don’t forget to add the forward slash / between the day, month and year.

If you still cannot access the Members Area, there may be some other problem, and you should contact the Credit Union.

Find out how to enable cookies

Internet Explorer
How to enable cookies in Microsoft Internet Explorer
Mozilla Firefox
How to enable cookies in Firefox
Google Chrome
How to enable cookies in Google Chrome
Safari
How to enable cookies in Safari
Opera
How to enable cookies in Opera

Many people are experiencing difficulties with their debt in Ireland today, Dubco want you to know that we are here to help should you find yourself in difficulty. The most important step a member should take is to come and talk to us. We will make an effort to find a solution that is mutually beneficial to you, the member, and the Credit Union.

It is important to understand that loan arrears may affect your credit rating and that halting loan payments without talking to us could also result in court proceedings.

So your first step should be getting in touch with Dubco to discuss your financial situation and to find the best solution for you. Below we’ve set out some tips and advice on how best to manage your money; we hope you find it useful.

Review your Finances

Carry out a financial health check to get a complete picture of your income, outgoings, savings and level of debt. You will need to list all of your regular / annual expenses (including outstanding loan and/or credit or store card balances) and then list your income (including any savings). (You can check your Dubco balances here, once you’re registered for online access).

Top Tip: Establish if there are any debts that can be repaid from savings, which will reduce your monthly expenditure. Credit and store cards, for example, can be very costly especially if you are only making minimum monthly repayments.

Work out your Budget

Use a budget planner (check out our calculator here) to work out your budget. Remember, a budget planner is for your own use, so be honest. It is important that you write down your real income and expenditure because you will need to determine your budget based on your income. A budget will help you to prioritise your spending and may assist you in identifying areas that you can decrease spending to help you to make the savings you need.

To prepare your budget you will need to:

  1. List your regular bills / household expenses, loans, any personal or childcare expenses and any savings or pension contributions.
  2. Subtract this figure from your earnings (after tax) each month.
  3. This will give you a realistic indication of any surplus left for personal spending (entertainment / holidays / emergencies / etc.).

Remember when setting up your budget to try and keep it as simple and flexible as possible. Your budget should be regularly reviewed to ensure that where certain items have gone over budget other items are correspondingly decreased.

Allocation Guidelines

When deciding how much money to allocate per budget item your past spending is one of the most useful guidelines. Past statements (from credit cards, loan and savings accounts) and bills will be an extremely useful tool for estimating future spending.

Example:

Payments totalling €795.00 paid to your provider last year
Increase of 25% has been advised for the coming year
New estimate spending €993.75 based on the same usage

Top Tip: Remember to shop around as there may be an opportunity to switch providers and save money.

Examine your Budget

If you see that you have a problem with your budget, for example you have more money going out than you have coming in, do not ignore this, there are things that you can do to improve your money management.

  1. See if you can increase your income or decrease your expenses. Make sure you are getting all of your tax relief benefits and (if unemployed, disabled, widowed, etc.) your social welfare entitlements. The Revenue (www.revenue.ie), Department of Social and Family Affairs (www.welfare.ie) and the Citizens Information Centre (www.citizensinformation.ie) all have helpful websites that include information on what you can claim.
  2. Examine how your money is spent to see if there are any reductions you can make to your expenses. Try to identify areas of your spending where you could possibly cut back.

Dealing with Debt

Because any form of credit is a debt, most of us carry some form of debt. It may be a mortgage payment, a credit card or store card, a personal loan from a credit union, moneylender, bank or building society. Debts are only a problem if you are unable to keep up with the required payments. Whatever level of debt you have, it is important to prioritise your debt.

If some of your creditors are threatening legal action then they need to be addressed as soon as possible as the consequences of ignoring legal issues can be severe. Do not ignore creditors’ letters or phone calls. Ignorance is not bliss, ignoring your creditors will affect your credit rating.

If you are making all of your payments regularly, but are feeling the pressure of a reduced income, prioritise your debts and try to pay off debts with the highest interest rate first. Doing this will save you money as you will pay less interest in the long run.

Dubco will do all we can to help members overcome financial difficulties. Options may include discussing a loan or changing the repayments on an existing loan or facilitating a Budget Plan to help with on-going expenses. We can also help members get in touch with others who may be able to help by providing you with useful contact information such as Citizens Advice Bureau or for a money advice worker. MABS for example may be a useful contact for members – they may be able to assist members with renegotiation or settlement of other debts. Dubco are not in a position to take over the negotiation role of MABS, nor are we in a position to take over all of the outstanding debts members may have.

A self help guide to money management and budgeting is available for download Download Your Self Help Guide to Money Management & Dealing with Debt (298.5kb) and we’ve included some useful Questions and Answers regarding lending and rescheduling here.

If you are experiencing financial difficulty and are in arrears, or are at risk of going into arrears (Pre-Arrears) on your Home Loan with Dubco Credit Union, please contact our Arrears Support Team who will explore potential suitable solutions that may apply to you. Our Mortgage Arrears Resolution Process booklet is available for download here.

If you do not find the answer to your problem here, please contact the Credit Union. Wherever possible, please provide as much detail as well as the error message you receive when encountering this problem.

Security Issues

The login form fields are filled out with another person's information

Forms Autocomplete – This is a feature of the latest browsers which makes it easier to fill out online forms by remembering what was previously typed into the form’s text boxes, and automatically inserting this information where appropriate. The kind of information remembered includes previous text entries, usernames and passwords, and web addresses when typed into the browser’s address bar. In the case of public or shared computers this feature may reveal personal and confidential information and should ideally be disabled.

The login form fields are already filled out with my information on a shared computer

Forms Autocomplete – This is a feature of the latest browsers which makes it easier to fill out online forms by remembering what was previously typed into the form’s text boxes, and automatically inserting this information where appropriate. The kind of information remembered includes previous text entries, usernames and passwords, and web addresses when typed into the browser’s address bar. In the case of public or shared computers this feature may reveal personal and confidential information and should ideally be disabled.

I am concerned about the privacy of my information

Your privacy and personal information is protected in several different ways on our website:

  • A PIN is issued only to bona fide members of the Credit Union, and your PIN application details are checked against the Credit Union system.
  • Your online account is protected by a 3-tier login, which is usually your Member Number, your PIN and your Date of Birth. You should not reveal your PIN.
  • When you log into the members area, your login details are encrypted while passing from your computer to our web server, limiting the chances of revealing your information should it be intercepted en route. The 128-bit SSL encryption uses an industrial-strength PGP algorithm which has been found to be nearly impossible to break. The integrity of the encryption is verified by your browser which can recognize the digital certificate installed for our website, and inform you if the certificate (and therefore the encryption) is valid or expired. Next time you are in the Members Area, click on the small padlock at the bottom of your browser to view the digital certificate’s details.
  • Not only are your login details encrypted, but so too are your account balances and transactions. In fact all information passing between your computer and the server is digitally encrypted while you are logged into the Members Area.
  • The Members Area will automatically close your session after 5 minutes of being idle, which helps prevent revealing your personal information should you be away from your computer for an extended period. You should logout of the Members Area when you are finished.
  • Our server has a dedicated team of administrators, constantly maintaining and upgrading the websites’ security and performance.

Display Issues

Web pages look different on my screen compared to another screen

  1. While our websites are optimized to display adequately in most scenarios, there are a multitude of factors which may affect the way a page is displayed. The factors which influence how a website looks on your monitor are:
    • Browser Type (Internet Explorer, Firefox, Google Chrome, Safari, Opera, etc.)
    • Browser Version – New browsers support more features, and suspend archaic features. Older browsers set aside more room for navigation buttons.
    • Operating System (Windows, Apple, Unix, Java, Mobile Device Operating Systems, etc.)
    • Monitor Size and Resolution – Monitors can be set to different display resolutions which mean a greater or lesser part of the webpage is displayed in the same area.
    • Monitor Colours – Colours appear differently on Windows, Apple, LCD and Mobile Device screens for example, and the number of colours a monitor can display varies greatly, from 256 up to 16 million colors. Monitors can also be set brighter or darker according to your preferences.

I think I am viewing outdated pages

Your browser has the ability to temporarily save pages you’ve visited so that the next time you visit them they will download much more quickly. Sometimes, after the website has been updated, you are still viewing an older page that was cached by your browser the last time you visited. You need to clear your browser’s history and empty the cache to be able to view the latest version of a page.

Step 1 – Clear History

Step 2 – Empty Cache

I get pop-up alert messages when I login / logout of the Members Area

Show Alerts – When this feature is enabled you are notified in a pop-up alert message every time you enter or leave the secure Member’s Section, or whenever you submit a form. These alerts are merely for your information and may be turned off if desired.

Forms & Downloads

I can't open or view PDF documents or application forms

Adobe Reader – This is a free download, available on most computers, which enables viewing of Adobe PDF documents, and is required for viewing forms and newsletters in our website. The advantage of this type of document is that forms can be displayed and printed so they closely match the official paper documents.

In newer versions of Adobe Reader, certain forms (such as loan applications) can be filled in online and then printed off. To complete application forms online, you should have at least version 4 of Adobe Reader. To download Adobe Reader, click on the link below:

Adobe Reader
Useful for viewing on-screen, text-based documents as they were intended for print, making content more reader-friendly

PDF documents don't open within my browser

Adobe Reader – You may have Adobe Reader installed on your computer already, but to view forms from withinyour browser, it should be installed as a plug-in rather than a separate program. This is easily done by clicking the Adobe Reader icon below.

Adobe Reader is a free download, available on most computers, which enables viewing of Adobe PDF documents, and is required for viewing forms and newsletters in our website. The advantage of this type of document is that forms can be displayed and printed so they closely match the official paper documents.

In newer versions of Adobe Reader, certain forms (such as loan applications) can be filled in online and then printed off. To complete application forms online, you should have at least version 4 of Adobe Reader. To download Adobe Reader, click on the link below:

Adobe Reader
Useful for viewing on-screen, text-based documents as they were intended for print, making content more reader-friendly

The Credit Union, its directors, employees, servants and agents, affiliates or other representatives and their respective parent and subsidiary companies, shall not be liable in respect of any claims, emergencies, demands, causes of action, damages, losses, expenses, including without limitation, reasonable legal fees and costs of proceedings arising out of or in connection with the use and/or dissemination of personal information relating to you in accordance with this privacy policy and your consents.

You should be aware that where you link to another website from the the Credit Union website, that the Credit Union has no control over that other website. The Credit Union has no responsibility for the privacy practices of other websites.

Collection and Use of Information

The Credit Union will not collect any personal information about you on this website or mobile app for Android and iOS without your consent. We will let you know what we intend doing with your information before collecting it, so that you can decide whether or not to furnish that information to us.

Any information which is provided by you will be treated with the highest standards of security and confidentiality and in accordance with the terms of the Data Protection Acts 1988 and 2003, Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the Protection of Individuals with regard to the Processing of Personal Data and on the Free Movement of Such Data, and any implementing and/or amending legislation as may be adopted in the Republic of Ireland from time to time.

If at any time after giving us personal information you decide that you no longer wish us to hold or use this information, or in the case that the information becomes out of date, you are free to notify us, and we will remove or rectify the information within a reasonable time and in accordance with legislative requirements.

You acknowledge and agree that in certain circumstances we may be obliged to disclose personal information relating to you to third parties, for example, in order to conform to any requirements of law or to comply with any legal process, as well as to protect and defend the rights of property of the Credit Union, our licensors and/or our other customers.

Telephone calls may be monitored or recorded to ensure that we carry out your instructions correctly and to help improve the quality of our service and in the interests of security.

Use of Technical Information

Cookies are files which are transferred to your computer’s hard disk by a website. Cookies can store information about your preferences and other information which you need when you visit a website. The Credit Union uses cookies to monitor our website traffic, to ensure better service levels and in order to provide you with certain features such as the customised delivery of certain information. To prevent the use of cookies you should activate the facility which is available in most web browsers that enables a user to deny or accept cookies. Find out how to enable cookies

Statistical and analytical information collected through the standard operation of our internet servers and logs provides us with general and not individually specific information. The Credit Union will make no attempt to identify individual users, or to associate any technical information collected with any individual user.

Disclaimer

The Credit Union, its directors, employees, servants and agents, affiliates or other representatives and their respective parent and subsidiary companies, shall not be liable in respect of any claims, emergencies, demands, causes of action, damages, losses, expenses, including without limitation, reasonable legal fees and costs of proceedings arising out of or in connection with the use and/or dissemination of personal information relating to you in accordance with this privacy policy and your consents.

You should be aware that where you link to another website from the the Credit Union website, that the Credit Union has no control over that other website. The Credit Union has no responsibility for the privacy practices of other websites.

Amendments

The Credit Union reserves the right at its sole discretion to amend this privacy statement at any time, and you should regularly check this privacy statement for any amendments.

CONTENTS

  1. Definitions
  2. Introduction & Miscellaneous
  3. Changes to these terms and conditions
  4. Duration of agreement to be bound by these terms and conditions
  5. Security and Authentication
  6. Account Balances & Statements
  7. Instructions and Recording of Instructions
  8. Payments from Member’s Accounts
  9. Instructions by Electronic Mail
  10. Joint Accounts
  11. Club Accounts
  12. Members Draw Subscriptions
  13. Dubco Mobile Banking Application
  14. Our responsibilities
  15. Your responsibilities
  16. Charges
  17. Notice
  18. Making a complaint

1. Definitions

Account” means the account or accounts denominated in euro opened by you with us (whether in sole or joint names) and designated by you as an account which may be utilised in availing of the online banking services.
Agreement” means the agreement concluded between us and you for the purposes of receiving any of the online banking services through Dubco online banking which consists of (1) the Registration Process(es); (2) these terms and conditions; and all other documents that are incorporated into these terms and conditions or otherwise become part of our agreement with you including all other terms and conditions in respect of any account you have with us.
Business day” means a day (other than a Saturday, Sunday, public holiday, or any other day on which the Credit Union is not open to the Public) on which we are generally open for business in Ireland.
Dubco” means Dubco Credit Union Limited with its registered office at Little Green Street, Dublin 7.
Dubco Mobile Banking App” means a software application designed specifically for accessing Dubco online banking from a Mobile Phone.
Dubco online banking” means any online system provided by us to enable you to access and utilise certain (at our discretion) online banking services via the internet, and includes that system when accessed via a tablet computer, mobile phone, and/or by way of the Dubco Mobile Banking App
Dubco PIN” means the personal identification number allocated to you by us for use in registering and accessing Dubco online banking, with our consent, through Dubco online banking.
Instruction” means any request, direction, or communication through Dubco online banking by which the Member seeks to have Dubco take any action in relation to the online banking services, and includes an instruction given by electronic mail pursuant to section 9 of these terms and conditions.
Online banking services” means the services which we will supply, at our discretion, to you from time to time through Dubco online banking which may include (without limitation) allowing you to: (a) access information on an Account, including the balance of, and details of recent transactions on, the Account; (b) request statements on an Account; (c) make a Money Transfer; (d) make a Bill Payment; (e) Manage Direct Debits on your accounts; (f) create and manage standing orders in relation to your accounts; (g) subscribe to the Members Draw; and/or (h) apply for or access personal loan facilities. For the avoidance of doubt, we may, at our discretion, only make available a limited number of the online banking services and we may add other services to the online banking services suite.
Security Credentials” means such details as the member shall provide during registration for Dubco online banking and which the member will be required to confirm, at Dubco’s discretion, when providing an instruction.
Unique Identifier” means a combination of letters, numbers or symbols used to identify the bank account or card account of the payee when processing a payment (for example, national sort code (NSC) of the payee”s bank and the payee”s account number or the payee”s International Bank Account Number
(IBAN) and the Bank Identification Code (BIC) of the payee”s bank or the payee”s sixteen digit card number.
Any reference in these Conditions to “you“, “your“, and “Member” means the Account holder to whom (or, in the case of joint Accounts, to each of whom) any Dubco PIN is issued, and includes the personal representatives and successors of the Account holder and where appropriate includes any Joint Account holder or any person authorised to act on your behalf.
Any reference to “Dubco“, “we“, “us” and “our” means Dubco Credit Union Limited and includes our successors and assigns.

2. Introduction & Miscellaneous

2.1. The use by a member of any of the online banking services offered by Dubco constitutes an agreement to be bound by these terms and conditions in the use of the online banking services.
2.2. These terms and conditions are supplemental to and should be read in conjunction with any other terms and conditions in respect of accounts held by a member and all shall apply to your use of the online banking service(s).
2.2.1. The reference to any other terms and conditions in respect of accounts includes but is not limited to:—

  • Dubco Share Account Terms and Conditions; Dubco Special Term Share Account Terms and Conditions;
  • Dubco Fixed Term Deposit Account Terms and Conditions.
  • Dubco Demand Deposit Account Terms and Conditions.
  • Dubco Flexi Account Terms and Conditions;
  • Dubco Flexi Account Overdraft Terms and Conditions;
  • Dubco Members Draw Rules;
  • Payment Services Terms and Conditions pursuant to Regulation 53 of the European Communities (Payment Services) Regulations

2.2.2. Should there be a conflict between these terms and conditions and any such other terms and conditions, these terms and conditions shall prevail.
2.3. All of a Member’s accounts and their use of services including online banking services are subject to the Rules of Dubco and to the provisions of the Credit Union Act, 1997-2012 (as amended) and any other applicable legislation.
2.4. The appearance that a particular instruction can be given via Dubco online banking is not a promise that that instruction can be carried out on your behalf. We reserve the right to decline or reverse an instruction or action taken on foot of an instruction or attempted action entered into via Dubco online banking or to choose not to follow an instruction given via Dubco online banking which would be a breach by the member of the rules of Dubco or a breach of these terms and conditions, or any of the other terms and conditions to which the Member is subject, or for any other reason deemed necessary by Dubco.
2.5. Dubco may remove or change an online banking service or add a new one at any time.
2.6. In interpreting and/or construing these terms and conditions the headings to the clauses and/or sections of these terms and conditions shall be disregarded.
2.7. In interpreting and/or construing these terms and conditions the singular shall include the plural and vice versa.
2.8. In interpreting and/or construing these terms and conditions the male pronoun shall include the female and vice versa.
2.9. Each of the provisions contained in these terms and conditions shall be severable and distinct from one another. If any one or more of such provisions at any time is or becomes invalid, illegal or unenforceable, the validity, legality and enforceability of each of the remaining provisions of these terms and conditions shall not thereby be in any way affected, prejudiced or impaired.
2.10. If we do not enforce the rights we have under these terms and conditions or we delay enforcing them, we may still enforce those rights in the future. This applies even if we did not enforce or delayed enforcing those rights on many occasions.
2.11. The Member agrees that they have entered into the agreement for their own benefit and not for the benefit of another person, and may not subcontract or assign any of their rights or obligations under the agreement
2.12. These terms and conditions shall be governed by, and construed in accordance with the laws of Ireland.
2.13. Any controversy or claim arising out of or in connection with this Agreement, other than a controversy or claim governed by the European Communities (Payment Services) Regulations 2009, shall be referred to mediation facilitated by a mediator. The mediator will be chosen by agreement between the parties. In default of agreement, a mediator will be nominated by the President for the time being of the Law Society of Ireland.
In default of resolution at the mediation, the dispute shall be determined by an arbitrator. The place of arbitration shall be Dublin, Ireland. The language to be used in the arbitral proceedings shall be English. The Arbitration Tribunal shall consist of a single arbitrator appointed by agreement between the parties or, failing agreement between the parties within 30 days after a request for arbitration is made by any party, appointed on the application of any party by the President for the time being of the Law Society of Ireland.
2.14. Where legal action or proceedings in connection with these terms and conditions are brought, subject to clause 2.13., such action or proceedings may be brought only in or before the Courts of Ireland, and you hereby irrevocably and unconditionally submit to the jurisdiction of such Courts.
2.15. The Dubco online banking service is not available to members under 16 years of age.
2.16. The Dubco online banking service is not available in respect of a joint account in respect of which the signatures of more than one account holders are required to authorise a payment.

3. Changes to these Terms and Conditions

3.1. Dubco may add to or change these terms and conditions at any time for such reasons as Dubco deem valid, for example, to meet new regulatory requirements or to enhance security.
3.2. Any member who is subject to these terms and conditions will be notified in advance by Dubco of any changes to these terms and conditions.
3.3. The amount of notice to be given by Dubco pursuant to the preceding term will follow the laws and regulations that apply at that time. In default of any law or regulation governing the amount of notice to be given, Dubco will give at least 2 months notice in writing.
3.4. If Dubco changes or adds to these terms and conditions, and a member does not wish to accept the change, that member may end the agreement for the use of the online banking services.
3.5. If a member does not seek to end the agreement, the member will be deemed to have accepted the changes to the terms and conditions on the date on which the member has been notified that the changes will come into effect.
3.6. Dubco may change its rules concerning the online banking services (for example transaction limits or daily limits) at any time and without informing members in advance.

4. Duration of agreement to be bound by these terms and conditions

4.1. The Agreement does not have a minimum or finite duration and will continue to be binding on the parties until it is terminated.
4.2. A member may make a request in writing to end this agreement at any time. In those circumstances, the member will cease to be bound by these terms and conditions once the member has paid everything they owe to Dubco in relation to the online banking services, and these terms and conditions.
4.3. Dubco may end this agreement and any or all of the online banking services by giving you 2 months notice in writing.
4.4. Dubco may without notice end this agreement immediately, stop the services or block any payments if:

(a) The member dies;
(b) The member is declared bankrupt or insolvent in the Republic of Ireland or elsewhere;
(c) The Member fails any security check;
(d) Dubco has reason to suspect there is unauthorised or fraudulent activity on any account of the member, even where we think that Member is innocent;
(e) Dubco is required to do so by law, regulation or direction from an authority Dubco has a duty to obey;
(f) The member breaches any of these terms and conditions;
(g) The member breaches any other terms and conditions in relation to any account with Dubco.

4.5. If a member closes their account(s), they may no longer be able to use the online banking service(s).

5. Security and Authentication

5.1. A member will be given a Dubco PIN when registering for Dubco online banking. That Dubco PIN will be unique to them and they will need it to use the online banking services.
5.2. A member will be asked for and must provide security credentials when registering for Dubco online banking, including but not necessarily limited to a current e-mail address.
5.3. A member must keep the Dubco PIN and any other security credentials secret. A member must not write down or record any of them in a way that would let someone else use any of them against the member’s will.
5.4. Dubco may ask a member to answer security questions, or to use another security credential, before allowing the member to use an online banking service.
5.5. If a member knows or suspects that their Dubco PIN or other security credentials are known by someone who should not know it, the member must immediately inform Dubco.
5.6. A member must maintain suitable equipment to enable them to use online banking services, for example, a computer with a suitable browser and up-to-date security software.
5.7. Dubco put reasonable IT security measures in place. Dubco cannot, however, guarantee the privacy or security of any information that concerns a member and passes over the internet. This is because of the nature of the internet. If a member uses an online banking service, they acknowledge and accept the attendant risks.
5.8. A member uses Dubco’s online banking services at their own risk.

6. Account Balances & Statements

6.1. Dubco makes every reasonable effort to ensure the information given to a member about balances is accurate and complete. However:
6.1.1. The information Dubco gives a member via Dubco online banking is not conclusive evidence of the state of their Account. (If a member needs a conclusive statement, they should contact Dubco directly.);
6.1.2. We will not compensate you or anyone else for any loss or expense which occurs as a result of any inaccuracy in information we give you regarding your Account balance.
6.2. A member acknowledges that any balance quoted through Dubco online banking in respect of any account may be no more up to date than being the balance at the relevant close of business for that account on the Business Day prior to the day of the quotation and that the balance may not be appropriately adjusted to include any debit or credit (whether paper or electronic) transactions processed or issued since the close of business. A member accepts that, as the balance quoted may contain uncleared transactions, it may be adjusted in the event of non-payment of any such transactions and may not be fully up to date.

7. Instructions and Recording of Instructions

7.1. The member permits Dubco to act on any instruction given by the member or which appears, in good faith, to have been given by the member, whether via Dubco online banking or otherwise. This permission cannot be revoked.
7.2. Once an instruction has been received with the correct security credentials, the member agrees that Dubco can act on it without making further security checks.
7.3. The member acknowledges and agrees that there may be a time lag between the time the member sends the instruction to Dubco via Dubco online banking and when Dubco actually receives the instruction, and the member further acknowledges that Dubco accepts no responsibility for that.
7.4. The member agrees that all instructions are considered irrevocable. The member can ask Dubco to cancel or amend any instruction, but Dubco may not be able to do so. Dubco will have no liability to a member in respect of any such request to cancel or amend a previously issued instruction where Dubco is unable to do so.
7.5. Dubco shall be entitled, but not obliged, to record the instructions given to Dubco by members via Dubco online banking.
7.6. In the event of a dispute between a member and Dubco as to the online banking services, the member agrees to accept the record as accurate (unless it is clear that Dubco has made a mistake in creating or maintaining the record).

8. Payments from Member’s Accounts

8.1. The member authorises Dubco to act upon any instruction to debit an Account received through Dubco online banking which has been transmitted using all or any part of any authentication process which Dubco may require to be used in connection with Dubco online banking without requiring us to make any further authentication or enquiry, and all such debits shall constitute a liability of the member(s).
8.2. When a transaction is authorised by use of all or any part of any authentication process, the use of such authentication process will be regarded as conclusive evidence that the transaction was authorised by the member. Dubco will be deemed to have received the transaction on the Business Day that it was authorised subject to applicable cut-off times.
8.3. A member wishing to give an instruction to make a payment will have to go through a set-up process in relation to any payee. Dubco may at its sole discretion apply additional requirements in the process for authenticating an instruction to set-up a payee, and you hereby acknowledge that this may take some time and that, as a result, it may not be possible to make a first payment to new payee on the business day on which the instruction to set up that payee is sent to Dubco. This will not affect your ability to make payments to payees which you had set up previously.
8.4. When we are given an instruction in relation to a payment on your account, we must be given that instruction before 2pm on one of our Business Days. This is the cut-off time. If we are given that instruction after that cut-off time, we will be deemed to have received that instruction on our next following Business Day. If we agree with you that an instruction is to be executed on a particular Business Day, then we will be deemed to have received that instruction on that particular Business Day.
8.5. Once we are deemed to have received an instruction under 8.4 above, you agree that we have up to the end of the first Business Day following the date of deemed receipt under 8.4 above to so credit that amount to the payee’s payment service provider.
8.6. When you give us an instruction to make a payment from your account, we will need you to provide us with the details of the beneficiary of the payment (i.e. their account number and sort code, and/or their BIC and IBAN, together with any other relevant identification details for the payment service provider (‘PSP’) with which they hold their account.) We may also need you to verify that instruction by signature or by use of a password, or by other means, depending on the type of account that you hold and whether you have previously made a payment to the particular beneficiary. All of this information, taken together, is known as the ‘unique identifier’ that you must give us. In giving us that unique identifier, you will be consenting to our execution of that instruction for you. You cannot withdraw that consent after you have given it to us. However, if the instruction is for a direct debit to be taken from your account, you can revoke that instruction and your consent by notice to the beneficiary of that direct debit up to close of business on the business day before
the funds are to be debited from your account. If the instruction is for a standing order to be taken from your account, you can revoke that instruction and your consent by telephoning us or calling into our offices up to close of business on the Business Day before the funds are to be debited from your account. In exceptional cases, we may allow you to withdraw your consent after the times specified above, but our specific agreement will be required and we will not be obliged to do this.
8.7. Maximum transaction and daily limits apply to the amount you can pay from your Account in any one day using the Dubco online banking services. We can change these limits at any time. Details of the current limits are available on our website and/or on request from Dubco.
8.8. Dubco may refuse to authorise a transaction if:
8.8.1. The member has not authorised the transaction in accordance with condition 8.1 above;
8.8.2. Dubco are prevented from following the instruction by any law or regulation or other circumstances beyond reasonable control;
8.8.3. The member does not have sufficient cleared and available funds in their account(s) to meet the instruction concerned and all applicable charges;
8.8.4. The member has not provided Dubco with all the information or has not followed all the instructions Dubco has given to enable Dubco to execute the transaction; or
8.8.5. This agreement is terminated without notice pursuant to Condition 4.4.
8.9. Where we refuse to process an instruction pursuant to condition 8.8, we will not be liable to the member or anyone else if that results in loss or expense.
8.10. If you give us an instruction to make a payment from your account and we execute it in accordance with the correct unique identifier, we will be taken to have executed it correctly as regards the beneficiary of that instruction. If you give us an incorrect unique identifier, we will not be liable for the non-execution, or defective execution, of the instruction. We will, however, make reasonable efforts to recover the funds involved.
8.11. We cannot guarantee the day or date on which the funds will be available to the recipient as the PSP where the payee has their account controls payment into that account. We are not responsible for that.
8.12. You agree that we may use intermediary or agent banks and clearing and settlement systems of our choice to execute any payment.

9. Instructions by Electronic Mail

9.1. Notwithstanding any other term or condition of these terms and conditions, or of any future mandate, or other agreement or course of dealing between Dubco and you, you hereby authorise and request (but do not oblige Dubco) to rely upon and act in accordance with any communication or instruction in relation to the online banking services which you may from time to time give or purport to give by electronic mail.
9.2. Dubco shall be absolved of any and all responsibility for any loss of liability of any nature (direct or indirect) suffered by you as a result of any error in transmission of any instruction by electronic mail or as a result of Dubco acting on any instruction by way of electronic mail which Dubco believes in good faith to have been made by you and Dubco is authorised to act without further enquiry upon any such instruction received by electronic mail.
9.3. Any instruction received by way of electronic mail shall be an instruction for the purposes of each and every other relevant provision of these terms and conditions.

10. Joint Accounts

10.1. The Dubco online banking service is not available in respect of a joint account in respect of which the signatures of more than one of the account holders are required to authorise a payment. You hereby agree not to use Dubco online banking in respect of such an account.
10.2. Dubco may at its sole discretion allow members who hold a joint account of the sort referred to at 9.1. to use Dubco online banking for the purpose of accessing information about their account such as balances and recent transactions. If Dubco allows such members to use Dubco online banking for those purposes, these terms and conditions apply to such use.
10.3. Dubco reserves the right to reverse, avoid, void, or refuse to process any payment instruction or instruction given in breach of condition 10.1.
10.4. Where your Account is held in the name of two or more persons at any time, and only one signature is required to authorise payments from the account, any of you can use the services. Only one Dubco PIN, (and any other security credentials required) will be issued in respect of a given Joint Account.
10.5. If your Account is held jointly in the name of two or more persons at any time, each of you is jointly and severally liable under these terms and conditions and for any instruction we get from any of you. This means we can ask all or any one of you alone to pay us any money owing to us and meet any obligation arising from these terms and conditions or any instruction any of you give us, regardless of whether or not you all agreed to the instruction or knew about it.

11. Club Accounts

11.1. The Dubco online banking service is not available in respect of a Club Account in respect of which the signatures of more than one of the account holders are required to authorise a payment. You hereby agree not to use Dubco online banking in respect of such an account.
11.2. Dubco may at its sole discretion allow members who hold a Club Account of the sort referred to at 10.1. to use Dubco online banking for the purpose of accessing information about their account such as balances and recent transactions. If Dubco allows such members to use Dubco online banking for those purposes, these terms and conditions apply to such use.
11.3. Dubco reserves the right to reverse, avoid, void, or refuse to process any payment instruction or instruction given in breach of condition 11.1.
11.4. If your Account is held jointly in the name of two or more persons at any time, each of you is jointly and severally liable under these terms and conditions and for any instruction we get from any of you. This means we can ask all or any one of you alone to pay us any money owing to us and meet any obligation arising from these terms and conditions or any instruction any of you give us, regardless of whether or not you all agreed to the instruction or knew about it.

12. Members Draw Subscriptions

12.1. Pursuant to condition 2.2, subscriptions to the Dubco Members Draw are subject to the Dubco Members Draw Rules.
12.2. Where a member subscribes to the Members Draw via Dubco online banking, it will be the responsibility of the member to ensure that their contribution to the Members Draw has been taken from their account.
12.3. Dubco accepts no liability for incomplete subscriptions or failed attempts to subscribe to the Members Draw via Dubco online banking howsoever any such failure arises.

13. Dubco Mobile Banking Application

13.1. It is a condition of the use of Dubco online services via the Dubco Mobile Banking App that Members undertake to uninstall the Dubco Mobile Banking App from their mobile phones and/or tablet computers if this agreement is terminated at any time.
13.2. Members may cease to access the online banking services at any time by deleting the Dubco Mobile Banking App.
13.3. The Dubco Online Banking App uses the internet to communicate your instructions and information to Dubco. In the circumstances, Clause 5.7 of this agreement applies to the use of the Mobile Banking App.
13.4. All communication costs associated with accessing or using the Dubco Mobile Banking app are at the Member’s expense.
13.5. The availability of the Dubco Mobile Banking App may be suspended from time to time by Dubco for operational reasons and in this event no liability will attach to Dubco.

14. Our Responsibilities

14.1. To the extent permitted by law, and notwithstanding anything to the contrary herein, we shall not be liable for, and shall be indemnified in full by you against, any loss, damage or other liability that you or we may suffer arising out of or in connection with any payment from, or payment or intended payment to, your Account unless such loss, damage or liability is caused by our fraud, wilful default or gross negligence. In no circumstances will we be liable for any increased costs or expenses, or for any loss of profit, business, contracts, revenues or anticipated savings or for any special, indirect or consequential damage of any nature.
14.2. If we make a mistake when we carry out your instruction, we will correct that mistake. If necessary, we will pay money into your Account and correct our records of your Account. The amount we pay will ensure that your Account is restored to the way it would have been if we had processed the instruction correctly.
14.3. Sometimes, due to circumstances beyond our control we may not be able to provide you with access to Dubco online banking or to certain services via Dubco online banking.
14.4. Sometimes, despite our reasonable efforts, the Dubco online banking services may not be available or may not be working properly.
14.5. We are not liable to you or anyone else for any loss or expense caused if the services are not available or do not work properly.
14.6. We will not be responsible for any losses caused if we make a payment in accordance with an instruction and that instruction contained an incorrect IBAN or BIC, or account number or sort code, or equivalent account details supplied by you. We will make every reasonable effort to get back any money involved in the transaction, but we may charge you for any reasonable costs that we have to pay;

15. Your Responsibilities

15.1. If a person (who is not you or one of you where the account is in your joint names) carries out an unauthorised transaction on your Account, you must tell us as soon as possible, but no later than 13 months after the date of the transaction.
15.2. You will be entitled to rectification from us if that transaction was unauthorised or incorrectly executed. If the transaction was unauthorised, we will refund the amount of it to you and, if necessary, restore your account to the state that it would have been in if the unauthorised transaction had not taken place provided that:—
15.2.1. You will bear the loss of an unauthorised transaction on your account, up to a total of €75, if the unauthorised transaction resulted from (a) the use of a lost or stolen security credential or Dubco PIN or (b) your failure to keep any security credentials or Dubco PIN safe.
15.2.2. You will bear all losses relating to an unauthorised transaction on your account if you incurred those losses by acting fraudulently or by failing, intentionally or with a gross lack of reasonable care, to keep any security credential and/or Dubco PIN safe, to use them in accordance with any terms that we tell you are applicable to them, and to notify us promptly of their being lost, stolen, misappropriated or used in an unauthorised manner;
15.2.3. You will not bear any financial consequences resulting from the use of a lost, stolen or misappropriated security credential or Dubco PIN once you have notified us that it has been lost, stolen or misappropriated and where that use takes place after the date of such notification.

16. Charges

16.1. At present there is no additional charge for using any service via Dubco online banking, though the usual charges in relation to the service will continue to apply.
16.2. We can introduce charges for accessing services via Dubco online banking but, if we do, we will tell you before we introduce them. The amount of notice that we will give you will follow the laws and regulations that apply at that time.

17. Notice

17.1. Save where expressly provided, any notice required to be given by you to us in connection with the subject matter of the Agreement shall be given in writing and sent through the post addressed to:—
Dubco Credit Union Limited, Little Green Street, Dublin 7. 17.2. Save where expressly provided, any notice required to be given by us to you in connection with the subject matter of these terms and conditions may be given by any of the following means:—

  • through the post;
  • by advertisement published in at least one national daily newspaper;
  • by telephone;
  • through our website;
  • by means of another durable medium; or,
  • by any other means required or permitted by law

Making a complaint

Dubco strongly encourages any member with a grievance to bring it to Dubco directly so that all efforts can be made to resolve issues amicably.
If you have a complaint in relation to the matters governed by the SEPA Regulations, and you do not want to come to us in relation to that complaint, you may be able to refer your complaint to the Financial Services Ombudsman.
Contact details are as follows:
Financial Services Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Lo-call 1890 662090, Tel. (01) 662 0699, Fax (01)6620890, Email: enquiries@financialombudsman.ie