| Name of Account | Can I earn interest? | Will I be get an overdraft facility? | Are there bank charges | | Northern bank limited | | | | Northern Personal Access | Yes – 1% on balances £1 plus | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account and you can withdraw money at post offices. No debit card facility available. | | |
| Nationwide Building Society | | | | Basic Banking FlexAccount | Yes – 0.25% on balances £1 plus | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. You can manage your money over the internet and you will receive a cash card that enables you to withdraw money and check your balance at any Nationwide branches, cash machines and post office branches. No cheque book or debit card facility is available. | | |
| Natwest Bank PLC | | | | Step Account | Yes – 0.10% on balances £1 plus | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. You can manage your account using Telephone and OnLine Banking and you can pay using your debit card in the UK (Solo) and abroad (Maestro). You can also withdraw cash abroad anywhere you see the Cirrus logo. No cheque book is available with this account. | | |
| Norwich and Peterborough Building Society | | | | Basic Banking Gold Current Account | Yes – 0.10% on balances £1 plus | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. You can pay using a VISA debit card and a cheque book is provided with the account. | | |
| The Royal Bank of Scotland PLC | | | | Key Account | Yes – 0.10% on balances £1 plus | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account and there is no charge for Direct Debits and Standing Orders. Cashline Card gives you access to your money at all cash machines in the UK. If you are overseas, the Cirrus facility on your Cashline card allows you to withdraw money abroad. Peace of mind as there are no cheque book or credit facilities available. | | |
| Clydesdale Bank PLC | | | | Cashmaster Account | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account and you will receive an AutoBank card that allows you to access your cash from thousands of bank accounts. No cheque book or debit card facility available. | | |
| Bank of Ireland (Northern Ireland) | | | | Basic Cash Account | No | No | No | | Additional information: | You will need to make a minimum payment of £1 and will receive a Basic Cash Account PASS card. You will not receive a cheque book or debit card facility on this account. | | |
| Barclays Bank PLC | | | | Cash Card Account | No | No | No | | Additional information: | You will need to make a minimum payment of £1. There is no cheque book, OnLine banking or debit card but you do receive a cash card and can withdraw up to £300 per day from cash machines and set up Direct Debits. | | |
| HSBC Bank PLC | | | | Basic Bank Account | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. No cheque book or debit card facility is available but you are given a cash card and can withdraw up to £200 per day. | | |
| Lloyds TSB Bank PLC | | | | Cash Account | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. Phone banking and online banking is available but this account does not have credit interest, loan availability of debit cards and you can only withdraw cash from Lloyds TSB cash machines. | | |
| The Co-operative Bank PLC | | | | Cashminder | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. An Electron debit card is available and can be used to pay anywhere displaying the Electron symbol and you can make regular payments via Direct Debit and Standing Order free of charge. | | |
| Ulster Bank Ltd (Northern Ireland) | | | | Basic bank Account | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. You are able to set up Direct Debits and Standing orders to pay bills but there is no cheque book or debit card facility. | | |
| Yorkshire Bank PLC | | | | Readycash | No | No | No | | Additional information: | You will need to make a minimum investment of £1 to have this account. You get a Dual Function Minibank card that allows you to withdraw up to £350 from cash machines. | | | |
