Banking

CNCU offer a range of banking services including Jam Jar Budgeting accounts and Visa Debit cards.

Budgeting Accounts

Budgeting Accounts are basic bank accounts that can help you manage your money. They are available to all customers regardless of credit history. The accounts help you take the stress out of bill payment and money management by separating your bills from your spending money.

With the introduction of Universal Credit, increasing numbers of people are struggling to manage their finances. To help you to budget, CNCU now offer two budgeting accounts: the Premier and Standard budgeting Accounts. The accounts can funded through benefits, payroll deductions, wages, standing order, or direct debit.  Find out more here.

Visa Debit Cards

The Engage card is a Visa Debit Card; offering  a simple, safe alternative to carrying cash and a great way to shop online.

Tell CNCU how much money (from your Savings, Benefits Payments or Wages) you want “loading” onto the card; then use the Chip & Pin (and Contactless) Visa Debit Card to buy goods and services in store and online, withdraw money from cash machines, or make bank transfers via the free Mobile App.

The Engage Visa Debit Card does not have an overdraft facility and is available to all members. Find out more here.