• Go to acu.cw , click on e-Branch and choose the option to register for ACU e-Branch and choose the option “register to personal banking”.
• Go to ebranch-acu.cw and choose the option “register to personal banking”

• Your account information must be up to date. If this is not the case, please make the necessary changes before applying, at (https://www.acu.cw/datopersonal/).
• Your account number is also required to register. It is composed of your member number, followed by 00212, e.g.: 999900212

Go to www.ebranch-acu.cw

Enter your user ID number and password, which you should have received via e-mail. Please check your ‘Spam’ folder as well. Click on ‘Log in’. Enter your token or grid card response.

This is your member number.

Go to www.ebranch-acu.cw

Under ‘Log in’, click ‘Forgot password’.

Enter the required information and you will receive a temporary password via e-mail. This temporary password should be changed as soon as you log in again.

Click ‘Options’ on the main menu of your e-Branch and choose ‘Change password’.

You can make transactions from your current account 00909/00908 and your savings account 00212.

No, there are presently no transaction fees for transactions performed via ACU e-Branch.

Yes, this is possible.

Choose “STATEMENT” on the homepage of your e-Branch and choose the desired account statement.

Please note that these statements are those that ACU already delivered.

No, this is not possible via ACU e-Branch.

The maximum cumulative daily transaction limit is ten thousand guilders (ANG 10,000).

Choose ‘Transfer’ from the main menu and then choose ‘Between my accounts at ACU’.

Choose ‘Transfer’ from the main menu and then choose ‘Transfer to other ACU account’.

You must first register your beneficiary, after which you can return to the main menu to choose the desired transfer instruction. Here you will find the beneficiary that you registered. (To).

Choose ‘Transfer’ from the main menu and then choose ‘Transfer to other local bank’.

You must first register your beneficiary, after which you can return to the main menu to choose the desired transfer instruction. Here you will find the beneficiary that you registered. (To).

It is presently only possible to make transfers between Curaçao, St. Maarten, and Bonaire.

Yes, choose ‘Transfer’ from the main menu and choose the desired transfer instruction (for example: internal or to another local bank).

Please register your beneficiary, if applicable and if not done yet.

Enter the desired start date, the frequency, and the desired final date in the ‘WHEN’ field.

You can also create a standing order between your eligible accounts at ACU. To do so, go to ‘Transfer to my account at ACU’. Enter the desired start date, the frequency, and the desired final date in the ‘WHEN’ field.

You can find your standing orders under ‘Manage Scheduled Transfers’.

This is not possible via online transactions/ACU e-Branch. However, you can request to make an additional payment through the ‘Secure message’ option. Please indicate the loan administration number, the amount and the current or savings account you would like to debit. ACU will process your request provided that the funds are available on your current account or savings account.

* Request to make an additional payment to your loan(s)

* Request for various letters (e.g.: statement of outstanding loan)

* Request to open a Time Deposit (“Depósito a Largo Plaso”)

* Request for a transfer that exceeds the maximum transaction and/or daily amount of ACU e-branch

* Request to block ACUito

OTP is a ‘One time password’.

When prompted to enter ‘OTP Confirmation’, please enter the token or grid card number. The OTP is requested to confirm the login, make changes or to make a transaction.

A ‘Transfer’ is a transaction type where you are responsible for registering the beneficiary.

A ‘Bill payment’ is a type of transaction where you can choose to make a payment to an organization included in the drop-down list under ‘Billers’.

With the instant payment platform, transfers are processed real-time.

Go to www.acu.cw , click on e-Branch and choose Apply for new gridcard/token(cost applicable).

You can be a member of the ACU if you:

• Are employed by the government of Curacao, St. Maarten, Aruba and the BES islands;
• Are employed by one of the companies or organizations approved by the ACU;
• You are an adult and your spouse, partner, father or mother is a member of the ACU. You must have a steady income be able to join. Cohabiting partners require a registered partnership.

The seven key principles of the ACU are:

1. Voluntary Membership
Credit unions are voluntary,   cooperative organizations, offering services to people willing to accept the responsibilities and benefits of membership, without gender, social, racial, political or religious discrimination.

Many cooperatives, such as credit unions, operate as not-for-profit institutions with volunteer board of directors. In the case of credit unions, members are drawn from defined fields of membership.

2. Democratic Member Control
Cooperatives are democratic organizations owned and controlled by their members, one member one vote, with equal opportunity for participation in setting policies and making decisions.

3. Members’ Economic Participation
Members are the owners. As such they contribute to, and democratically control, the capital of the cooperative. This benefits the members in proportion to the transactions with the cooperative rather than on the capital invested.

For credit unions, which typically offer better rates, fees and   service than for-profit financial institutions, members recognize benefits in proportion to the extent of their financial transactions and general usage.

4. Autonomy and Independence
Cooperatives are autonomous, self-help organizations controlled by their members. If the cooperative   enters into agreements with other organizations or raises capital from external sources, it is done so based on terms that ensure democratic control by the member and maintains the cooperative autonomy.           

5. Education, Training and Information
Cooperatives provide education and training for members, elected representatives, managers and employees so they can contribute effectively to the development of the cooperative.

Credit unions place particular importance on educational opportunities for their volunteer directors, and financial education for their members and the public, especially the nation’s youth. Credit unions also recognize the importance of ensuring the general public and policy makers are informed about the nature, structure and benefits of cooperatives.

6. Cooperation Among Cooperatives
Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, state, regional, national, and international structures.

7. Concern for Community
While focusing on member needs, cooperatives work for the sustainable development of communities,   including people of modest means, through policies developed and accepted by the members.

No, all ACU transactions are in Antillean guilders.

Bo por bira miembro di ACU ora ku:

• bo ta den servisio di gobièrnu di Kòrsou, St. Maarten, Aruba i islanan BES
• bo ta traha na un di e kompanianan òf organisashonnan aprobá pa  ACU
• bo ta mayor di edat i bo kasá, partner, tata òf mama ta un miembro di ACU. Komo miembro di famia bo mester disponé di un entrada fiho pa bo mes tambe por bira miembro. Pa partnernan ku ta biba den konkubinato ta konta e eksigensha di un kontrato di konvivensia registrá.

E 7 prinsipionan mas importante di ACU ta:

1. Afiliashon boluntario i habrí Afiliashon na un kooperativa ta tuma lugá riba un base boluntario. Miembresia mester ta habrí pa kada persona ku ke hasi uso di e servisionan di e kooperativa i ku ta bai di akuerdo ku e responsabilidatnan i obligashonnan ku miembresia ta trese kuné, sin ningun tipo di diskriminashon a base di diferenshanan sosial, polítiko, rasial òf religioso, i sin limitashonnan artifisial.
2. Atministrashon demokrátiko Kooperativanan ta organisashonnan demokrátiko. E atministradónan mester keda skohé òf nombrá ku aprobashon di e miembronan. E atministradónan tin ku duna kuenta na e miembronan. Den e Reunion General tur miembro tin derecho igual di voto, es desir: “one man, one vote”. Tambe e miembronan tin derecho igual pa partisipá na toma di desishon pa ku nan kooperativa. Den kooperativanan na nivel mas haltu (federashonnan) e atministrashon mester keda hibá di un forma efisiente i riba un base demokrátiko.
3. Interes limitá Interes riba e suma di akshon mester keda estriktamente limitá.
4. Repartishon di resultadonan finansiero Ganashi òf ekonomisashonnan ku ta resultado di aktividatnan di e Kooperativa mester bai pa e miembronan, den e sentido ku mester evitá ku esun miembro ta haña interes perhudikando un otro miembro. E miembronan mester disidí den e “Reunion General” kon nan ta deseá di mira repartishon di e resultado. Esaki por sosodé pa medio di:
5. Edukashon permanente Kada kooperativa mester krea fondo pa aktividatnan edukativo na bienestar di su miembronan, atministradónan i empleadonan en general.  Mester siña nan e prinsipionan i téknikanan di e kooperativa, tantu pa loke ta trata e aspektonan ekonómiko komo esnan demokrátiko.
6. Kooperashon entre kooperativanan Kada kooperativa mester partisipá aktivamente ku otro kooperativanan na nivel nashonal i internashonal, komo ku integrashon ta e forma di mas efisiente pa brinda e miembronan un servisio optimal.
7. Sosten di komunidat Kooperativanan ta sostené komunidat dunando aportenan (finansiero) na proyektonan deportivo, kultural i edukativo. Pa bini na remarke pa sosten, un proyekto mester kumpli ku kondishonnan di e reglamento di donashon.

Nò, tur transakshon via di ACU ta na florin Antiano

You will receive an account statement every month.

You can submit your complaint to the Customer Service Department. There you will find out what the source is of your complaint. You can also write a letter. Direct your complaint to the Customer Service Department Head. This department will always answer your letter.

There are different reasons for not receiving your statement. We encourage you to call our office and ask the Customer Service Department, to verify the source of the error.

Bo ta risibí un statement di kuenta un bia pa luna.

Bo por entregá bo keho na e departamentu di Servisio na Kliente. Ei, nan ta averiguá e kousa di bo keho. Bo por skibi un karta tambe. Dirigí bo keho na Kabes di e Departamentu di Servisio na Kliente. E departamentu aki semper lo kontestá bo karta.

Por tin diferente motibu dikon bo no ta risibí bo statement. Nos ta konsehá bo pa yama nos ofisina i pidi pa e Departamentu di Servisio na Kliente, pa averiguá kiko ta motibu di e eror.

A share is the amount of money a member adds to the capital of the cooperative. A share is valued at NAƒ 50,-

Saving on shares is mandatory for anyone who wants to become a member of the ACU. Each member is required to save at least NAƒ 25,- monthly on shares. You can increase this amount (once) if desired.

You cannot withdraw shares in principle.

Each member of the credit union must pay an annual contribution of NAƒ 18,- to the umbrella federation of all savings and credit associations, Fekoskan. Furthermore, all members of the ACU also contribute to the maintenance of the building, also amounting NAƒ 18,-  per year (this was agreed during the General Assemblies in the years 1979 to 1980).

The more equity you have in ACU, the more dividends you receive at the end of the year (Profit Distribution), which may even prove to be higher than the interest you receive from the bank.

Other benefits that members with a high balance of participation enjoy are:

• The more shares you have, the bigger the loan you can apply for (depending on your financial capacity).
• The more shares you have, the more additional benefits you’ll receive from the insurance if something happens to you (life insurance).

A member may authorize the Board to transfer a portion of his shares to another member. This is done by handing in a written authorization. In addition, signatures from both parties are needed.

Un akshon ta un suma di plaka ku kua un miembro ta partisipá den e kapital di e kooperativa. Un akshon ta bal NAƒ 50,=.

Sparmentu pa akshon ta obligatorio pa tur hende ku ke bira miembro di ACU. Kada miembro ta spar un mínimo mensual di NAƒ 25,= riba akshon. Bo por subi e montante (un bia) tambe.

En prinsipio bo no por lanta akshon.

Kada miembro di e kooperativa  mester kontribuí ku NAƒ 18,= pa aña na e federashon bou di kua tur kooperativa di spar i krédito ta kai, ku ta Fekoskan. Tambe tur miembro di ACU ta kontribuí na mantenshon di e edifisio, pa un suma di
NAƒ 18,= pa aña (esaki a keda disidí durante e Reunion General na añanan 1979-1980).

Mas akshon bo tin den ACU, mas dividendo bo ta risibí na fin di aña (Repartishon di entrada èkstra), loke por resultá di ta te asta mas haltu ku e interes ku bo ta risibí na banko.
Algun otro bentaha ku un miembro ta gosa di dje ora e saldo di su partisipashon ta haltu:

1. Mas tantu akshon bo tin, mas tantu bo por fia  (dependiente di bo forsa finansiero).
2. Mas tantu akshon bo tin, mas pago èkstra bo ta risibí di seguro si algu sosodé ku bo (seguro di bida).

Un miembro por outorisá Direktiva pa pasa parti di su akshon pa un otro miembro. Esaki ta tuma lugá pa medio di un outorisashon por eskrito. E ta rekerí firma di tur dos partido.

Your child has to save a minimum of NAƒ 10,- per month and the maximum allowed is NAƒ 250 per month.

Yes, you can authorize the ACU to withdraw an amount monthly from your account to the Abeguitu account of the child.

When opening an Abeguitu PLUS account, your child will receivs a gift, provided there is enough in stock.

Bo yu mester spar por lo ménos NAƒ 10,= pa luna i e kantidat máksimo ku e por spar ta NAƒ 250,= pa luna.

Sigur, bo por outorisá ACU pa transferí un suma for di bo kuenta tur luna pa e kuenta di Abeguitu PLÙS di e yu ku ta spar.

Ora habri un kuenta di spar Abeguitu PLÙS bo yu ta haña un regalo, tanten tin na stòk

A small portion of these funds are used to give out loans. A large portion must always be available so that the members can withdraw money from their deposits. As such, the ACU follows credit rules established by the Central Bank of Curaçao and St. Maarten that are legally binding to all commercial banks and cooperative, savings and credit associations.

You can do so at our cash registers or our ATMs.
Our tills are open from Monday through Friday from 08:00 to 15:30.
A valid ID is required; either an I.D. card, driver’s license or passport.
Our ATMs are at your disposal 24 hours a day.

Yes, but the authorization must be in writing:

1. The authorization shall be directed to the ACU.
2. The authorization shall state the full name, account number and the identity number.
3. The transaction amount should be specified.
4. If the authorization is indefinite, this should be stated.
5. The person in question must present an identification of himself and the principal

With the ACUito you can do the following at our ATMs:

1. Withdraw cash
2. Retrieve the balance of your current account and your deposito account
3. Make Transfers

Call our office and report the loss of your card.

Come to our office as soon as possible to fill in a statement.

Caution:

1. Never give your PIN number to third parties.
2. Never keep your PIN number along with your ACUito card.

Ta uza un parti chikitu di e plaka aki pa duna fiansa. Un parti grandi semper mester keda disponibel pa miembronan ku ke lanta sèn di nan depósito. Den e kuadro aki ACU ta sigui reglanan di krédito stipulá pa Banko Sentral di Kòrsou i St. Maarten i ku ta válido, sea ta trata di bankonan komersial òf kooperativanan di spar i di krédito.

Por hasi esei na nos kahanan òf via nos kaheronan outomátiko
Nos kahanan ta habrí di djaluna pa djabièrnè, di  08:00 – 15:30
Ta eksigí sea un sédula, un reibeweis òf un pasaporte.
24 ora pa dia bo por hasi uso di nos kaheronan outomátiko.

Si, pero e outorisashon mester tuma lugá por eskrito:

1. E outorisashon mester ta dirigí na ACU.
2. E outorisashon mester menshoná nòmber kompleto, number di kuenta i number di identidat.
3. Mester menshoná suma di e transakshon.
4. Si e outorisashon ta pa un tempu indefiní, mester menshoná esei.
5. E apoderado mester mustra un tarheta di identidat di su mes i di e dunadó di poder.

Ku e ACUito tambe bo por bai na nos kaheronan outomátiko, i:

1. Lanta plaka
2. Pidi saldo di bo kuenta koriente i bo kuenta di depósito
3. Transferí plaka

Yama nos ofisina i mèldu pèrdida di bo karchi. Pasa mas pronto posibel na nos ofisina pa yena un deklarashon.
Paga tinu:

1. Nunka duna bo number di PIN na un otro persona.
2. Nunka warda bo number di PIN huntu ku bo karchi di ACUito.

The day the deposito payment installments expire or at a premature withdrawal.

You will receive it at the time of disbursement. The interest sum is added to the total amount of your deposito.

Early repayment may take place at the request of the member. In that case, 0.1% will be deducted from the original agreed interest rate for each month that the transaction has been cut short. The starting point is an annual interest rate of 4%.

For the calculating interest, the month is set for 30 days and the year 360 days. Interest is paid at maturity and will be added to the sum of the Long Term Deposito on the deposito account.

Riba e fecha di vensementu di bo depósito a largo plaso òf na momentu di pago adelantá.

Bo ta risibí esei na ora di pago. Ta añadí e suma di interes na e suma di bo Depósito.

Por paga bèk promé si e miembro pidi esaki. Den e kaso ei ta kita 0.1% di interes pa kada luna ku e transakshon a dura ménos for di e interes ku a kumbiní na kuminsamentu. Punto di salida ta un interes anual di 4%.

Pa kalkulá e interes ta konta 30 dia pa kada luna i 360 dia pa kada aña. Ta paga interes riba e fecha di vensementu i ta añadí esaki na e Depósito a Largo Plaso riba e kuenta di Depósito.

The credit department makes the decisions regarding loan applications if it is a loan for up to NAƒ 35,000 – with no balance. If it is a sum of more than ANG 35,000 – the application will be submitted to the Credit Committee. If the Credit Committee deems it necessary, they may call upon the loan applicant for an interview before making their final decision on the application.

The ACU employee with whom you submitted your application, will you notify you on this matter. You get an appointment straightaway to settle your loan. The settlements of loans take place between 1:00 pm and 3:00 pm. The application automatically expires if a member fails to sign the contract within one month of the approval of the loan application.

If ACU members disagree with the decision of the Credit Department, you may appeal your request to the Credit Committee. If you disagree with the decision of the Credit Committee, you may appeal to the Board of Trustees.

A member of 68 years and older may qualify for a loan for up to NAƒ 35,000- without guarantee. In all other cases involving members who are older than 68, a deposit is required. For more information about the Penshonado arrangement, refer to the ACU Penshonado page.

In that case, you should contact our office as soon as possible to correct the error. The member will still remain responsible for repaying the owed amount for that month, otherwise he/she will be considered an untrustworthy debtor.

• A member who had a special arrangement for the payment of an outstanding loan debt, can only qualify for a loan three months after repayment.
• A member with an outstanding debt (= six months or more behind on loan payments), cannot qualify for a loan, as long as the entire debt is not repaid.

If an ACU member, after several reminders, does not proceeded to pay his redemption, the ACU will carry the loan over to a collection agency. When the due amount is paid, the person in question shall be nominated for an expulsion from the ACU.

A ‘Fianciuto’ ‘is an additional loan, based on an existing personal loan. The ‘Fianciuto’ loan limit depends on how much of the personal loan has already been paid off. The rules for taking out the ‘Fianciuto’ are as follow:

• A member with a current personal loan may be eligible for a “Fiancuito” for up to a maximum of Nafl. 3,000,- per year.
• The ‘Fiancuito’ has the same installment period as the existing personal loan.

E Departamentu di Krédito ta disidí tokante bo petishon pa un fiansa si ta trata di un fiansa te ku  NAƒ 35.000,= sin saldo. Si ta trata di un suma di mas ku NAƒ 350.000,= ta hiba e petishon dilanti di Komishon di Krédito. Si e Komishon ta haña ta nesesario, e por yama un miembro pa un kombersashon personal promé ku tuma desishon tokante e petishon.

E empleado di ACU serka ken bo a entregá e petishon ta yama bo tokante esaki. E ora ei ta traha un afsprak ku bo mes ora pa atendé bo fiansa. Ta entregá fiansanan entre 1.00 p.m. i 3.00 p.m. Si un miembro, despues ku a aprobá su petishon pa un fiansa, no bini pa firma e kontrakt konserní, e petishon ta kaduká outomátikamente despues di un luna.

Si bo no ta di akuerdo ku e desishon di Departamentu di Krédito, bo por apelá serka e Komishon di Krédito. Despues di un desishon di e Komishon di Krédito, miembronan por apelá serka Konseho di Supervishon.

Un miembro ku tin 68 aña di edat òf mas, por bini na remarke pa un fiansa pa un máksimo di NAƑ 35.000,= sin garantia. Den tur otro kaso ku ta konserní miembronan ku tin mas ku 68 aña, ta eksihí un  bòrg. Pa mas informashon tokante e Areglo di Penshonado, lesa e página ACU Penshonado.

Den e kaso ei bo mester tuma kontakto mas pronto posibel ku nos ofisina pa averiguá unda kos a bai robes i pa koregí esaki. E miembro mes tambe ta keda responsabel pa deposito di e suma di amortisashon di e luna ei, ya ku si no e ta kai atras ku amortisashon di e fiansa i ta bira un miembro ku status di un debedor dudoso.

Un miembro ku tabatin un areglo spesial pa amortisashon di un debe atrasá a base di un fiansa, por bini na remarke pa un fiansa solamente tres luna despues.

Un miembro ku tin un debe atrasá  (=seis luna òf mas di retraso ku e amortisashonnan di un fiansa), sea ta a base di un areglo òf nò, no por bini na remarke pa un fiansa tanten ku e debe kompleto no a keda kanselá.

Si un miembro di ACU, despues di vários  “aanmaning”, no kuminsá paga su amortisashon, ACU ta entregá e fiansa den man di un ofisina di kobransa. Ora e suma ku ta debe keda kanselá, ta trese e persona konserní dilanti pa skrap e komo miembro di ACU.

Un ‘Fiancuito’ ta un fiansa èkstra, basá riba un fiansa komun eksistente. Altura di e Fiancuito ta dependé di e montante ku a kanselá kaba riba e fiansa general. E sobrá reglanan pa e Fiancuito ta:

• Un sosio ta bini na remarke pa un “Fiancuito” durante 1 aña te ku un suma máksimo di NAƒ 3.000,=.
• Pa e Fiancuito ta konta e mesun término di amortisashon ku e fiansa general eksistente.