Our Account Terms and Conditions (Terms)
These Terms cover the following accounts:
- 1st Account
- Regular Saver Account
- Savings Account
- Bonus Savings Account
- Everyday e-Saver
- Fixed Rate Savings Bond (Fixed Rate Saver)
- e-Savings Account
- Everyday Savings Account
We know T&Cs can be heavy going but we've worked really hard to make sure ours are in as plain English as humanly possible, making it easy to find the information you need when you need it.
First things first (no pun intended), our 'current account' is called 1st Account.
And First Directory is a package of benefits available to 1st Account holders for a monthly fee. Benefits include Worldwide Travel Insurance, Motor Breakdown Assistance, Mobile Phone Insurance, reduced fee non-Sterling ATM withdrawals, leisure benefits and offers. For more information contact us or visit our First Directory page
Sterling means Great British (GB) pounds.
UK means England, Scotland, Wales and Northern Ireland.
A guide to our accounts
This page explains key information about each of the accounts covered by these Terms and any details that are specific to them.
These summaries form part of the overall Terms along with the ones that apply to all our accounts which are in the following section.
Terms that apply to all our accounts
Here you'll find full details of the Terms that apply to all the accounts covered by these Terms.
They cover protecting your account(s), payments in and out, how things like our Debit Card and Internet Banking work, credit and debit interest and much more so it's worth taking the time to understand them.
Stuff you really need to know
To make things as easy as possible we've highlighted below the sections we think are particularly important or that you might need to refer to most often. Our Terms are packed full of useful information so you should look through them all carefully but it's worth taking extra care with bits that are important to you.