FAQs

Popular Questions

  • Is BPWCCUL only for public workers?

    No. BPWCCUL membership is open to all Barbadians, resident and non-resident and is no longer restricted only to civil servants.

  • Can I be a member of more than one Credit Union?

    Yes. If you are already a member of another credit union(s) and wish to join BPWCCUL then you must apply for Dual Membership. BPWCCUL will forward your request for dual membership to be approved by the credit union(s) with which you already have membership. Once this has been approved you will be notified.

  • How many accounts can I have at the Credit Union?

    When you join the Credit Union you are automatically provided with one individual member account. If you wish, you may also set up an additional Joint Account.

  • What are share and loan records?

    A member’s credit union account is made up of records. Each new savings, investment or loan product you apply for is added to your existing account as a record.

    Each record has its own ID number.

    Savings and Investment records are identified by an ‘S’ followed by an ID number while Loan records are identified by an ‘L’ followed by an ID number

    The following share records are added automatically when you get your new account.

    Permanent Shares - typically identified S 98

    Primary Share Account – typically identified S 00

    Call Deposits – typically identified S 01

    ITSA (Income Tax Share Account) – typically identified S 97

    Helpful Tip

    Learn your account number and record ID numbers. This makes it quicker and easier to do ATM and Co-Optima Voice transactions as well as deposits and payments using SurePay.

  • How soon can I get a loan after applying for membership?

    As soon as your membership application is approved you can apply for a loan. Notice of your approved membership will be sent by mail.

  • Can I name a beneficiary on my account?

    No. This is because simply naming a beneficiary for a monetary account is not legally binding and can be successfully contested. The Credit Union therefore provides an affordable will preparation service to satisfy this need for members as a part of their financial and estate planning.

SurePay

  • What is the purpose of this facility?

    The facility affords credit union members the convenience of being able make deposits or loan payments to their credit union accounts using any SurePay collection point.

  • What credit union payments can I make at SurePay?

    Any deposit or payment currently allowed at our
    Co-Optima Teller ATMs will be taken at SurePay outlets:

    • Share account
    • Personal Loan
    • Deposit account
    • Land Loan
    • Back-to-School Loan
    • Education Loan
    • Car Loan
    • Travel Loan
    • Christmas Loan
    • Line of Credit
    • Land Tax Loan
    • Secured Line of Credit
  • Is there a maximum amount I can pay or deposit to my
    credit union account using SurePay?

    The maximum deposit that can be made at a SurePay collection point is $9,999.99

  • Is there a minimum amount I can pay or deposit using SurePay?

    No.

  • On my account statement - whether online or hardcopy - will I see the payments I make using SurePay clearly labeled as such?

    SurePay transactions will be clearly identified for ease of reference.

  • How can I be sure that my credit union information remains confidential?

    The credit union only provides SurePay with enough information to identify each member, specifically, their Name, Address, Credit Union Account Number, and National Registration Number. None of the balances on your account can be viewed at Surepay’s locations thus ensuring that your confidential financial information remains only with the credit union.

  • How can I check that my funds have been deposited?

    Checking up on deposits is easy. Simply call our free Co-Optima Voice Audio Response System from any touch tone phone at 437-8917 or log on to Co-Optima Connect, our free Online Banking service at www.publicworkers.bb to check your transactions.

    Visit to either of our branches in order to sign up for these free services. Queries can also be made to our Contact Centre, Co-Optima Contact at 430-5200.

  • How soon after I make a deposit at SurePay will the funds be available
    for withdrawal from my account?

    If the deposit was made by cheque the usual cheque holdwill be placed on the funds. Cash deposits will be available as soon as they are credited to your account by BPWCCUL.

  • What proof of payment will I receive from SurePay when I make a deposit or payment and how can I be certain that my payment is being credited to the correct account?

    Once the transaction has been completed, the SurePay cashier will issue you with a receipt itemizing the payment(s) made and the account it was applied to.

  • What guarantees do I have that SurePay will transfer the payments to my account?

    Once you are provided with an official receipt by SurePay, The Barbados Public Workers’ Co-operative Credit Union Limited will honour all payments shown on your receipt and will work with SurePay to ensure that that all payments made by you to SurePay for the Credit Union will be credited to your account. Any errors or inconsistencies on the part of SurePay or their agents will not be the liability of the member.

  • What information and/or document will I need to present to the SurePay cashier in order to make a payment?

    It would be useful to have your National Identification card or credit union number on hand to simplify the identification process and speed up your transaction.

  • Can I now make utility bill payments from my credit union account at SurePay?

    No. The SurePay facility only allows deposits into your credit union account.
    SurePay cannot access your credit Union account to allow transfers of any kind.

  • If there is a discrepancy regarding my payment/deposit at SurePay
    who do I contact?

    Queries regarding deposits/payments to the credit union through SurePay should be directed to our Contact Centre at 430-5200.

  • In the event of any delay in processing my loan payment caused by SurePay, BPWCCUL or other technical difficulty, will the credit union charge me loan interest for the delay period?

    No. All deposits/payments will be reflected on members’ accounts as taking place on the day the transaction was made at the SurePay collection point.

  • Can third party cheques be used to make payments at SurePay?

    No. All cheques MUST be made payable to SurePay.

  • Can I make payments/deposits on another member’s account?

    Yes.

Co-Optima Mobile

  • What do I need to use the Co-Optima Mobile banking app?

    You will need to be registered for Co-Optima Online Banking. If you are not registered, please visit your preferred branch of the Credit Union for assistance.

  • What device do I need to use Co-Optima Mobile?

    Co-Optima Mobile Banking works with devices using Apple iO, Google Android™ OS version and is compatible with Blackberry using version 7.0 or higher.

    The full list of supported devices can be found here.

  • How Do I Access Co-Optima Mobile?

    To download the app, search the Apple App Store℠, Android Market or Blackberry App World for “Co-Optima Mobile”.

    Alternately, if you have another web enabled mobile device listed in the supported devices, you can download Co-Optima mobile.

    After you have successfully downloaded the app, use your Co-Optima Online Banking login details to sign in.

     

  • Is there a charge to use the service?

    There is no charge to download the mobile banking app or use the service.

    Please be aware that your mobile service provider data rates may apply.

  • How secure is the Co-Optima Mobile Banking App?

    The app uses the same level of security as Co-Optima Connect Online Banking. Your password prevents unauthorized access and we advise that you do not save your password details anywhere on your device.

  • I don’t know/forgot my password!

    Give us a call at (246) 430-5200 and our Contact Centre agents will help you reset your password.

    Please remember that your Co-Optima Online Banking and Co-Optima Mobile Banking login details are the same.

  • If my phone is lost or stolen, will my information be at risk?

    No. Your account can only be accessed by entering your password.

  • Can I give you feedback?

    Absolutely! Please use the Apple App Store and Android Market’s rating and review features to let us know what you think, or send us an email with your thoughts.

  • Who do I call if I have a problem?

    Contact our Contact Centre on (246)-430-5200 if you have a:

    • Question about your account
    • Question about Co-Optima Mobile Banking App

Careers

  • How can I apply for a job?

    Email your resume along with a cover letter to hr@bpwccul.bb or mail to:

    Group Human Resources Manager
    Barbados Public Workers’ Co-operative Credit Union Limited
    “Olive Trotman House”
    Keith Bourne Complex
    Belmont Road
    St. Michael,
    BB14000
    Barbados

     

  • How do I know my application was received?

    You will receive an automated response upon submission of your application through the website.

  • How am I made aware of current vacancies?

    Vacancies are posted weekly on our Careers page.

  • Can I change the position I previously applied for?

    Yes, to change the position you applied for, simply forward an updated copy of your resume or a letter indicating this change to the Human Resources Department.

  • How soon will I receive a response about my application?

    Our response depends on availability and only suitable applications will be acknowledged.

  • If I'm not selected for a particular position, do I reapply?

    If you are not selected for particular position, your application would remain on file for six (6) months from the date of submission.

  • How long is the selection process?

    At BPWCCUL, we are dedicated to recruiting the best talent for our team. Applicants are carefully selected based on the requirements for the vacant position. The length of this process is dependent on several factors including the volume of applications and the type of position.

    The first stage is a telephone interview to gauge your level of experience and goals. Once successful, you will be called in for a face-to-face interview and assessment.

Help Centre

Barbados Public Workers’ Co-operative Credit Union Limited (BPWCCUL) logo
This is where you belong BPWCCUL

Call us: (246) 430-5200

Toll-free 1-866-800-6146

UK Freephone 0808-234-1327

Fax: (246) 437-8745

E-mail: contact@bpwccul.bb

This is where you belong

© Barbados Public Workers’ Co-operative Credit Union Limited

Help Centre