Additional informationBranch Access
A passbook is issued for all accounts, including those opened online. This enables you to use our branch deposit and withdrawal service.
You can register with ‘myaccounts’
our online service to view your accounts online, use secure messaging and request online withdrawals to your nominated bank account.
Online withdrawal access is not available to accounts with a Power of Attorney, Nominee or Executor, or those requiring authorisation by more than one mandate holder.Minimum opening balance
£500 Minimum operating balance
£500. If the balance falls below the minimum operating balance a nominal interest rate applies (see Current Investment interest rates
for more details).Maximum balance
55 years and over.Paying in
You can use your passbook to pay in cheques and cash at a branch. Deposits can also be made by electronic transfer.Online withdrawals
If you register with ‘myaccounts’ you can request an online withdrawal to your nominated bank account. Online withdrawal requests received before 2pm on a business day will be processed that day and funds will be available in the destination account the following business day. Requests received after 2pm will be deemed to have been received on the following business day.Charges
Not for the normal operation of the account (see our Savings terms and conditions
PDF for more details).Additional benefits
- FREE postal service (pre-paid envelope supplied with each transaction made by post).
- Annual savings review.
- Member Loyalty Card enabling discounts and special offers from local traders who participate in our scheme.
Senior monthly Cash ISA
Suitable for balances from £50 if you are aged 55 or over, require easy access to your savings and have not subscribed to a Cash ISA in the current tax year. Instant premium
Suitable for balances from £50 if you require easy access to your savings. Interest is paid annually.
rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law, currently 20%. AER
stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
WE HAVE NO CURRENT PLANS TO WITHDRAW THIS PRODUCT BUT IT MAY BE WITHDRAWN WITHOUT NOTICE