Jennifer Carroll MacNeill (Dún Laoghaire, Fine Gael) | Oireachtas source

That would be a matter for the framework agreement between credit unions. It would be for them to work out and regulate to determine as between different corporate entities how it would work. It is not a matter for the legislation but a matter for that framework agreement.

As to fees, the Deputy has answered his own question. The customer would be a member of both credit unions, albeit for a defined set of services in the second credit union. While it is a matter for the framework agreement between credit unions, this legislation is enabling those credit unions to create those agreements. I do not foresee fees applying but it is a matter for the agreements between the credit unions.