Becoming a Member


Applying to become a KCCU member is easy! All you need to get started is to have your personal information and social insurance number handy and about 10 minutes to complete our online application. Alternatively, if you prefer to meet in person, just reach out to us to set up a convenient time for you to meet with one of our representatives in branch.

Requirement to apply for membership with KCCU:
  • Ontario resident who works or resides within our bond area

  • Make a one-time minimum Membership Share investment of $25 or $5 for youth    

Please note that youth accounts must be opened in person at one of our branches with the parent or guardian of the youth. 

Online Membership application

This 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. You will have the option to complete the account opening in person or remotely via video chat.

We are required to verify your identity, so we ask that you have the following available:

  • Social Insurance Number (SIN) as per the Income Tax Act

  • Identification

  • Proof of address

Identification Requirements

We require two pieces of identification to open an account with us.  You may provide two pieces from List A OR one from List A and one from List B

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. 

If you are unable to provide one of these options for identification, please contact us or stop by to discuss additional options for identification.

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.

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:

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.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)