Enterprise Credit Union is open to those who live and/or work in the Knowsley, Liverpool, Sefton, St. Helens, Wirral, Halton and Warrington Boroughs of Merseyside.

If you live and/or work in the Knowsley, Liverpool, Sefton, St. Helens, Wirral, Halton and Warrington Boroughs of Merseyside, you can apply to open an account by completing the online application you can find by clicking here.  If you don’t wish to join online, you can also join in branch. Just pop in with 2 forms of identification. You can find your nearest branch by clicking here.

We are required by legislation to verify the identity and proof of address for all our members. The simplest way we can do this is electronically, it doesn’t leave a ‘footprint’ or affect your credit file in any way. Alternatively, you can come to one of our branches with two original documents – one is used to prove your identity, the other proves your address. The following are acceptable forms of identification:

• A valid UK passport
• Recent evidence of entitlement to a state or local authority funded benefit (including housing benefit and council tax benefit, tax credit, pension, educational or other grant)
• Full UK Photocard Driving Licence or Blue Badge disabled driver’s pass

You can use the following to prove your address:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Recent bank, building society or credit card statement (less than 3 months old
• Tenancy agreement
•Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of these documents, please let us know. There are many more documents that can be used. We will do our utmost to help you open a credit union account.

To complete a change of address, please email us using the email address linked to your account, with one of the items listed below as proof of change:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Recent bank, building society or credit card statement (less than 3 months old)
• Tenancy agreement or mortgage statement
• Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of the documents listed above, please let us know. There are many more documents that can be used.

Once we have received this information, we will happily change the details and notify you once the process is complete.

To change your bank details, please email us using the email address linked to your account, with your full name, address and telephone number along with the following:

• Your old bank details, including name of the bank, sort code and account number
• Your new bank details, including name of the bank, sort code and account number

Once we have received this information, we will happily change the details and notify you once the process is complete. 

To complete a change of name on your account, please email us using the email linked to your account, along with your date of birth and one of the items listed below as proof of change:

• Recent bill (less than 3 months old) such as council tax demand or gas, electricity or water rates bill
• Copy of your marriage certificate
• Recent bank, building society or credit card statement (less than 3 months old)
• Tenancy agreement or mortgage statement
• Letters from a UK solicitor or Benefits Agency (or Pensions Service, JobCentre Plus, Child Benefit)

If you do not have any of these documents, please let us know. There are many more documents that can be used.

Once we have received this information, we will happily change the details and notify you once the process is complete.

If you’re not yet a member of Enterprise Credit Union and are looking to apply for a loan, please complete our loan application online. If you’re an existing member looking for a new loan or a top up to an existing loan, you can log in to your online account or use our mobile app, you can also contact us direct to discuss your options. Please click here to see how you can apply using our mobile app.  

You can pay into your account via Standing Order, Debit Card, Bank Transfer, Direct Benefit payment, and at any of our branches. We also accept cash and cheques at any of our branches and work with a number of local businesses offering payroll deductions.

For more info on how to make a payment, please visit our How To Pay page.

You can withdraw money from your Share Account at any time unless secured against a loan. If you have a loan, savings in your Share 1 account are locked in and provide security for your loan. Only balances in excess of the loan amount can be withdrawn from this account. If your funds are in a term deposit account it will have its own terms & conditions. Money withdrawn is paid either direct into your bank account or cash withdrawals are available at any ECU branch (limits apply). Withdrawals can be requested from your online account or through the mobile app, just select your bank account number and sort-code from the list.

For fraud prevention purposes we can only pay to an account in your name. If your preferred bank account is not shown please contact us to verify your account details. Payments are processed the same working day (Monday to Friday, excluding public holidays) if requested before 3pm. Withdrawals after these cut-off times will be processed the following working day. The transfer to your account is usually complete after 4.30pm.

All members are part-owners of the credit union and share in its success. Instead of interest being paid, when the credit union is doing well a dividend is proposed by the Board of Directors and voted upon by the members at the AGM. Once agreed, it is normally paid into your account the following day. The dividend you receive depends upon how much you have saved during the financial year (1st October to 30th September) but is calculated in a similar way to interest. The more savings that you have, the more dividend you earn.  Interest is paid on some special term accounts such as the Gold Account which have their own terms and conditions. 

No, once you are a member you can remain a member even if you move outside the Field of Membership.

There are NO hidden fees or costs involved in transactions with the Credit Union. Interest on loans will be paid in line with the terms for that particular product.

If you have forgotten your membership number, we’ve made it easier than ever for you to retrieve it. All you need to do is click here, fill out the contact form and your membership number will be emailed to you straight away.