A guide to Personal Banking 1 Contents Welcome When money is available – Opening your account 1 the clearing cycle Our Products & Services Cheques from accounts at Current Accounts 1 the same branch 9 Range of savings accounts 1 Cheques from accounts Business banking 1 at another Bank of Ireland 365 online, phone and mobile banking 2 UK branch in Northern Ireland 9 365 online 2 Cheques from accounts at other 365 phone 2 Bank of Ireland UK branches in Great Mobile Banking 2 Britain or another bank in the UK 9 Text Alerts 2 Amounts paid in at other banks or branches to your Bank of Ireland UK Open Banking 3 account held in Northern Ireland 9 Foreign exchange services 3 Cheques you write from your account International payments 3 in the UK 10 Your borrowing needs 3 Paying amounts in at the Post Office® Overdraft requests 3 Cash paid in using your cash card 10 Flexibility 3 Cash paid in using a lodgement Mortgages 3 book, or personalised lodgement slip 10 Financial assessment 3 Cheques paid in at the Post Office® 10 Banker’s reference 4 Automated payments Cooling off period 4 Automated payments to or from How our accounts work other banks 10 Opening hours 4 Automated payments to or from another Telling us about changes 4 Bank of Ireland UK account 10 Fees and charges 4 Debit cardholders 10 Residency 5 Running your account Customers resident in the Republic of Ireland 5 Joint accounts 10 Interest 5 Protecting your accounts 11 Telling you about charges and Verified by Visa 11 interest on your account 5 Liability for losses 12 Changes in interest rates 5 Changing your PIN 12 Set off 5 Security at cash machines 12 Statements 5 Choosing a cash machine 12 Monthly pack – pre-notification of charges 6 Using a cash machine 12 Annual summary pack 6 Leaving a cash machine 12 Payments to your account 6 Emergency numbers 13 Payment instructions 6 Non, defective or late execution of transactions 13 Credit transfers 6 Direct Debit refunds 13 Standing orders 7 Financial difficulty – how we can help 13 Direct debits 7 How to complain 13 ATMs 7 Products purchased online 14 Recurring or Continuous Payment Closing your account 14 Authority (CPA) payments 7 Closing a joint account 15 Cancelling Recurring or Continuous Regulation Payment Authority (CPA) payments 7 Contact details 15 Cheques 7 Credit facilities 15 Stopped cheques 7 Mortgages 15 Payments from your account 8 Financial Services & Markets Act 2000 16 Cleared funds 8 Advertising and Marketing 16 Telling you about payments we have not made 8 Transaction Information Box 17 Crossed cheques 8 Deposit Guarantee Scheme - Post-dated cheques 9 Information Sheet 24 Out of date cheques 9 Welcome to Bank of Ireland UK Our products and services We understand that everyone’s banking needs Current accounts are not exactly the same, so our team aims to Our current accounts are designed to make help you find the right accounts and services it easier for you to manage your money. to suit your needs. Depending on the type of account you This guide forms part of our account opening choose, they give you the following: pack. In this guide you will find details of • 24-hour access to your account, 365 how we can make it easy for you to manage days a year by phone or internet your money. You will also have received the following brochures which you should read • An overdraft facility (if you are over 18 and with this guide. meet our terms and conditions) • Product brochure including terms • A debit card that you can use abroad and conditions • A chequebook (if you request one) • Student account charges explained • The ability to withdraw cash from over brochure (if you have opened a 3rd level 50,000 cash machines in the UK student account) and Ireland • Rates and products – a guide to current • The ability to make regular payments by rates and products standing order and direct debit. Besides our current accounts, savings For more information please contact your local accounts and 24-hour online banking service, branch or phone 0800 0850 444. we can also provide details on a full range of loans, overdrafts, credit cards and mortgages. We can also provide you with our basic bank account, please see our Basic Cash Opening your account Account brochure. To open an account with us you must fill in an application form. Before we open an account Range of savings accounts for you, we must check your identity and home address. We may also consult a credit-reference We offer a range of savings accounts – from agency to check your address and, if necessary, instant access to longer-term investments – get information on your financial commitments. to suit your different saving needs. Just ask at The credit-reference agency will keep a record your branch for details. of our search, whether or not your application goes ahead. This record will be available to other organisations that make similar searches and Business banking could affect your ability to get credit elsewhere We provide a wide range of business banking for a short period of time. When you open your products and services. You can get more account with us we may ask for a banker’s details from your branch. reference from your current bank (if any). 1 365 online, phone and mobile banking • Check how much you have in your account; 365 online and phone gives you access to • Check payments that have been made to your accounts 24 hours a day, 365 days a or from your account; year, by phone or internet. • 365 online (365online.com) Pay Bank of Ireland UK credit card bills; and Bank of Ireland 365 online lets you carry out a • Transfer money between accounts. wide range of banking activities online; checking For more information on 365 phone, call us on your balance, paying a utility bill, transferring 03457 365 555. money to other accounts and more. It offers an easy way to manage your account. You can be Mobile Banking sure it is safe and private because you need to The Bank of Ireland Mobile Banking App has a use a PIN and we use encryption technology number of features that allow you to use your (this protects the information sent between you account on the go. These are some of our and us so that nobody else can read it). most popular online services, which have been If you use 365 online, you can: adapted for use via your phone. • Check your balance and payments into and • Secure login - you can rest assured that out of your account; your details are as secure as ever • Pay a bill or transfer money (within certain • View account balances on your current, limits and if the money is available in deposit, loan and credit card accounts your account) for both domestic and • View transaction histories international payees; • Transfer money between your own • View details, amend and cancel your accounts standing orders; • Transfer money to existing payees • Look for certain information, such as (excluding international payments) particular payments, payments made within the last 12 months, all withdrawals from • Pay your bills cash machines, and so on; • Search for Bank of Ireland Branches and • View your statements online and turn off ATMs in your area paper statements; • Contact Bank of Ireland • Change your address held by us; If you are already a Bank of Ireland 365 online • Notify us of your travel plans for both Visa customer all you will need to do is download our Debit and credit cards. You must provide us App from the App Store (iPhone) or Google Play with at least 24 hours notice. Store (Android). You will then be able to log in with your 365 online login information. To register for this service visit 365online.com or call 03457 365 555. Text Alerts From 5 February 2018 you will be automatically 365 phone enrolled to receive text alerts to the mobile When you open an account you will be number we hold for you. We’ll send you a text automatically registered for our 365 phone alert if you are at risk of exceeding or have service to do your banking by phone. The service exceeded a pre-agreed credit limit or if you are at is easy to use, there are no hidden charges and risk of incurring or have incurred charges. If you with our Lo-call number you only pay the cost of don’t provide us with a mobile number, or keep a local call if calling from a land line. your mobile number up to date with us, you will You can either use an automated system or not receive text alerts. You may request not to be connect to an operator who will help you as enrolled in this programme of alerts or you can quickly and simply as possible. opt out at any time. With 365 phone you can: 2 Open Banking loan quickly and efficiently either at your branch, From early 2018 you can choose to use Third over the phone or online. Party Providers (TPPs) to give us payment Overdraft requests instructions on your behalf and to put all of your account information with different banks in one When you apply for an overdraft or an increase place. One way to do this will be by giving TPPs in your overdraft facility we will check your record access to your account. This forms part of an held by credit reference agencies.