1. Current Accounts A current account is an individual’s, family’s or a business’s day-to-day bank account.

2. Current accounts provide banking services You need a current account to access banking services such as: Payment cards (plastic) Cheques Transfers Standing orders and direct debits

3. Opening a current account You will need to: Complete an application form Answer a number of questions Provide personal information and ID You can usually do this in a branch, online or over the phone.

4. Information required Name, address and date of birth Occupation Name and address of employer Length of employment Gross pay Details of any other bank accounts Sample signature Proof of identity Proof of address

5. Your account is unique If satisfied with your application, the bank will give you a unique account number. The bank may provide a Visa Debit (payment) card if over 18 or an ATM/Cash Card (used for cash withdrawals only) if aged 12-18. These need a unique PIN (Personal Identification Number) to use. You can ask to have a chequebook.

6. Paying money into your account You can pay money in Using a lodgment slip to pay in cash or cheques in a branch By transferring money from another account, which you can do in a branch, by phone or online

7. Withdrawing money from your account You can withdraw money by: Using an ATM Making out a cheque to yourself or someone else Getting cashback when paying using a chip-and-PIN card Filling out a withdrawal form in a branch