All you need to get started is to have your personal information and social insurance number handy and 5 or 10 minutes to complete our online application.
Alternatively, if you prefer to meet in person, schedule an appointment at a time that works best for you to speak with one of our in-branch representatives.
Please Note: youth accounts must be opened in person at one of our branches with the parent or guardian of the youth.
You purchase a one-time minimum Membership Share of $25 for adults or $5 for youth
Online Membership application
The application takes 5-10 minutes to complete.
Following your submission, we’ll be in touch within 2 business days to let you know what the next steps are to complete your account opening.
Please Note: In order to open your account with us, we may need to check your credit report to ensure that you meet our minimum requirements.
Identification Requirements
We require one piece of photo identification to open an account with us.
Acceptable forms of Identification can be found here.
If you are unable to provide one of these options for identification, please contact us, stop by, or book an appointment to discuss additional options for identification.
Please Note: The Personal Health Information Protections Act (PHIPA) does not permit health cards in Ontario as well as many other provinces to be accepted as identification. As such, we will not accept a health card from any province as identification.
Regulatory Requirements
The Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) requires financial institutions to identify customers and to keep certain records about them.
To ensure that we meet our legal obligations, we are required to ask, and keep up to date records of the following:
Your identification and membership information
If you will be using this account by, or on behalf of a third party
If you, any member of your family or close associate are a Politically Exposed Person (PEP), Head of an International Organization (HIO)
The purpose of your business relationship with KCCU
The intended use of your accounts and products with KCCU
A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.
