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Premier bank accounts

Premier Reward - a premium account that Rewards you

On this page
About this account
Eligibility criteria
Account features
Existing account holders
Ready to apply

Earn monthly Rewards plus our Premier Banking service

Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners

Get expert help to make the most of your money and tackle life's unexpected surprises with our Premier Banking service

Stay in control with the Ednites Credit Union

Arranged overdraft available (subject to eligibility)

Multiple ways to pay: Apple Pay, Google Pay™  and Contactless Debit

£2 monthly fee

To earn Rewards you need to pay in £1,250 to an eligible Ednites Credit Union account every month.

What you'll need to open this account

To apply, you need to be 18+ and a resident and meet ONE of the following:

Income

Pay a minimum £100k sole income or £120k joint income into a Ednites Credit Union account

Mortgage borrowings

Have £500k minimum of mortgage borrowings with us

Savings or investments

A minimum of £100k savings or investments held with us
Current Account Switch Guarantee Logo

Switch to Ednites Credit Union

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

What happens when you switch?

Step 1

We’ll send a request to your old bank to confirm the switch and we’ll keep you updated every step of the way.

Step 2

The account you’re switching from will be closed on your behalf and your balance and payments (like Direct Debits) will be moved to your Ednites Credit Union account.

Step 3

The switch is complete. Your old bank will make sure that any payments made to your old account are redirected to your Ednites Credit Union account.

I already have a Premier Reward account

Find out how to set-up and use your account benefits.

Account features

About Rewards

Wooden house

Earn Rewards

Earn £9 a month back in Rewards for 2 or more Direct Debits – 2 of those Direct Debits need to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in.That’s up to £10 a month back in Rewards to spend on whatever you like!

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into yourEdnites Credit Union account, trade up for gift cards and e-codes with our partner retailers or donate to one of our chosen charities.

Discover Premier

Glass steps

Help when you need it

With Premier you'll have an expert team available to help with your everyday banking needs, day or night. If you need help with something more complex, we can connect you with the specialists you may need.

Protect what matters

If you need it, you'll also have access to an enhanced level of insurance cover available with Premier Insurance (underwritten by U K Insurance Limited).

Plan for the future

With our Will-writing & Executor Service you could ensure your money and assets are shared according to your wishes in an efficient way, giving you peace of mind. A fee will apply.

The Ednites Credit Union app

Metal mobile phone

The Ednites Credit Union app

Stay in control of your money with our easy to use the Ednites Credit Union mobile app.

Overdraft details

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How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Open this account online

Apply online

During the application we'll ask for information about you such as your address, job etc. So have these ready.

Upload your ID

At the end of your application we might ask you to provide photo ID and proof of address. We’ll also ask for a short video to compare to your photo ID. We'll then check your details with our security partners HooYu or Digidocs.
Proof of ID and address we accept

We'll check your details

We'll check we have everything needed to open your account. We'll then give you a welcome call within two working days.

Start using your new account

Your new account is open. Register for Online banking, download our mobile app and enjoy hassle free banking.

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

 

Are aged 18+ and a resident

Pay in £1,250 each calendar month to any eligible personal current account you have with us.

Do not currently hold 2 Reward accounts

 

You also need to meet one of the following:

Earn a minimum of £100k sole income or £120k joint income paid into your Ednites Credit Union account.

Have £500k minimum mortgage borrowing with us.

Have £100k minimum savings or investments held with us.

Now please take a look at the important legal stuff

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the important information.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Premier Reward account, we need to do a few final checks with you. They'll only take a minute.

Continue
Do we already know you?
If you have a current account, credit card, loan or savings account with Ednites Credit Union please let us know.
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What kind of account do you want?
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Next

You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.

 

  1. Tell us a bit about yourself and we’ll set up your account.
  2. Our partner HooYu will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  3. Once they’ve confirmed your identity we’ll activate your account.
Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
Do you have a current account with Ednites Credit Union?
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Next
What would you like to do today?
Previous
Next
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
Previous
Next
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

If you're a non-resident we can only change your account to our Premier Select Account.

Previous

You’re all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to Ednites Credit Union
  • The account number and sort code of your existing Ednites Credit Union current account

The Current Account Switch Service will move everything across from your old bank account to your Ednites Credit Union current account within 7 working days. 

Previous
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
Previous
Next
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening