Personal Accounts - What Is Required

Becoming a Member

Membership application

This application takes 5-10 minutes to complete. After you submit it, we'll contact you within 2 business days regarding next steps.

Requirement to apply for membership with KCCU:

  • Canadian resident, 18 years or older
  • Work or reside within our bond area
  • Have not declared bankruptcy within the last two years
  • Member Ownership Share Requirement

What to expect when applying for a membership

We are required to verify your identity so you will need to come into one of our branches in person to complete your account opening.  We ask that you bring along the following:

  • Social Insurance Number (SIN) as per the Income Tax Act
  • Identification as listed below
  • 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: