Member information

Online Services

Our internet banking service will allow you manage your account from your computer, tablet or smart phone (provided you're connected to the internet), with a service that's accessible anywhere, anytime. Our service will allow you to :

- check your balances
- view a mini statement
- request a withdrawal
- apply online for a loan
- amend personal details
- access forms

Click here to Register. You will need your PCS Credit Union membership number and NI number to hand. Please allow up to 10 working days for your registration to be approved.

For members' convenience you can also download forms from the savings page to:

  • Request changes to your monthly direct debit
  • Make additional/lump sum deposits
  • Withdraw your savings
  • Apply for a loan

Membership fees

The Board has taken the decision to charge membership fees in order to assist with administrative costs. This will maximise the amount of money available for member services.

Each member will be charged an initial joining fee of £5. Junior members (members between 16 & 18 years of age) will be charged a reduced membership joining fee of £2.50 as they are not eligible to apply for loans. Junior savers (members under 16 years of age) will not be charged a membership joining fee.

In subsequent years an annual membership fee of £2, as of 1st October 2017, will be charged to members to assist with administration costs.

All fees are reviewed by the Board of Directors on an annual basis.

Other fees

Members should also be aware that any transaction charges incurred by PCS credit union where a member is considered to be at fault will be passed onto the member. One example of this could be if a cheque is paid in that subsequently bounces.

Help and advice

You can contact the following not-for-profit organisations for free, confidential and impartial debt advice, or for details of where to get such advice in your area.

PCS member benefits

Debt management service

• Payplan - 0800 716 239 or visit

Financial Advisers

• Lighthouse - 0800 085 8590 or email

Benevolent funds

• PCS benevolent fund - Contactable on 020 7801 2601, option 3 or visit their webpage.

• Charity for Civil Servants (formerly Civil Service Benevolent Fund) - Contactable on 0800 056 2424 or visit

National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000 or visit for debt advice and information.

Debt Action NI

If you live in Northern Ireland phone 0800 917 4607 or visit for debt advice.

Step Change Debt Charity

For debt advice throughout the UK phone 0800 138 1111 or visit

Money Advice Service

For free, unbiased & independent advice phone 0300 500 5000 or visit

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or visit to find contact details for debt advice in your local council area.

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to


Member centres offer debt advice to the public, some providing specialist advice for minority ethnic and refugee communities and people with disabilities. For further information phone 0207 469 5700.

Other useful organisations

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0845 080 1800 or visit

Financial Services Compensation Scheme 

Read the Financial Services Compensation Scheme on their website.

This information has been provided by PCS Credit Union Ltd. They cannot be held responsible for any advice provided by these independent organisations.

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