A member’s account becomes dormant when there has been no transacted business with the organisation for a period of 184 days and more. Even though your account will be listed as “dormant,” there will be no changes to your rights until your account has been dormant for 10 years.

To regularise your dormant account, you are asked to visit any branch of the credit union with the following documentation:

• Two forms of valid photo I.D.

• Proof of address – no older than three months

• Completed General Information Form

If you’re living overseas, please note that all of your documentation must be authenticated by an official such as a Notary Public as long as you are overseas while conducting business. Click here for information on Foreign Membership.

Kindly contact our Co-Optima Contact Centre at 622-9000 with any questions.

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

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.

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.

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.

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

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.

The Barbados Public Workers’ Co-operative Credit Union offers affordable financing to our members so that they can best achieve their dreams and aspirations. In addition to the specific requirements outlined in each category on this page, members are asked to present the following documents when applying for any of our loans:

1. Two (2) forms of valid photo I.D. (Barbados I.D. card, Passport, Drivers’ Licence)*
2. Two (2) recent pay slips*
3. Job Letter*

1. Proof of address - Utility bill (Barbados Water Authority, Barbados Light & Power) or Bank statement in your name.*
2. *Your Birth Certificate can be used as a second form of identification
3. *Pay slips, Job letter and Proof of address must not be older than three (3) months

 Do note that the Credit Union is unable to process applications that do not have these documents.

1. Proposals for amendments to the By-Laws of the Society may be made to the Board of Directors by any individual or group recognized under the Co-operative Societies Act CAP 378A of the Laws of Barbados, the Co-operative Societies Regulations, 2008 and the BPWCCUL’s By-Laws and Policies.
2. Recommendations may be made by way of a signed and dated letter or memorandum addressed to the Secretary of the Board of Directors in accordance with the below guidelines:
   1. The correspondence should clearly state the By-Laws to be amended or the new By-Law being proposed;
   2. The reason for, or purpose of, the amendment;
   3. An explanation of why the amendment is desirable and what it is anticipated that the new or amended By-Laws will accomplish for the credit union and/or its members. The explanation should ideally be aligned with, but not limited to any of the following that apply:-
      1. the impact on other or related By-Laws
      2. cooperative principles;
      3. internal or external audit recommendations;
      4. regulatory changes or guidance;
      5. local or regional credit union league guidance (e.g. BCCULL/CCCU);
      6. international credit union standards or guidance (e.g. WOCCU, other credit unions); and
      7. industry standards and trends including activities of other financial institutions.
   4. The recommended wording of the proposed amendment.
3. The Secretary of the Board of Directors shall acknowledge receipt of proposal(s) within 14 days of receipt and initiate the process for formal consideration.
4. The Board shall conclude its review of the proposals within no more than 180 days after acknowledgement of receipt; either directly or by forwarding them to the By-Laws Committee for review and consideration at its next meeting.
5. The By-Laws Committee shall consider all proposals forwarded by the Board and submit a report to the Board containing its conclusions and recommendations within 90 days of its receipt from the Board.
6. The Board shall consider the report and recommendations of the By-Laws Committee at its next meeting or in any event no more than 90 days after the receipt of the report of the By-Laws Committee. The Board shall communicate its decision, with reasons, to the proposer, within 14 days of its meeting where the report of the By-Laws Committee was fully considered.
7. The Board shall act in accordance with the Co-operative Societies Act and Regulations and the BPWCCUL’s By-Laws, in attaining membership and regulatory approval for any accepted amendments.

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.

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.

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.

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.

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.

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.

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

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.

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

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

Although your information has remained the same, we need to confirmation that it is up-to-date. A bank statement or utility bill (mobile bills excluded) no older than three months are acceptable.

If you have only one form of ID, it must be a national identification card. An original birth certificate should also be provided. Special Conditions Apply

If you have opened your account within the last six months and none of the information given at that time has changed, you would not be required to update your information. If any information has changed, e.g. employment, residential address, etc. the updated information should be submitted.

Overseas members can update their account information by having the requested documentation notarized by a Notary Public. Documentation should include the General Information Form, two forms of valid photo identification, valid proof of address and other requested documentation. The notarized documentation can be emailed to contact@bpwccul.bb. The General information form can be can be downloaded here.

ALL documents sent by email must be notarized by a Notary Public. Additionally, the notarized documents are to be mailed to:

The Chief Operations Officer
Barbados Public Workers’ Co-operative Credit Union Limited
‘Olive Trotman House’
Keith Bourne Complex
Belmont Road
St. Michael BB14000

Documentation submitted by email by locals would need to be notarized by a local Notary Public. This should include a completed General Information Form, two forms valid photo identification, valid proof of address and other requested documentation. The documentation van be emailed to contact@bpwccul.bb and the original documents submitted afterwards by mail or in person. The General Information form can be downloaded here.

Once any information submitted differs to what was previously on your account, your information would need to be updated.