How to keep your arranged overdraft fees as low as possible.

  • Repay any overdraft as soon as possible
  • Register for Mobile Banking to manage your account on the move
  • Update your mobile number to receive alerts when you are being charged daily arranged overdraft fees and when you are near your arranged limit, so that you stay on top of your finances
  • Check your available balance on the internet, by phone or through a cash machine to make sure you’ve enough money in your account to pay everything due. The money in your account must be available to withdraw – for example, you must wait for any cheques you’ve paid into your account to be available
  • If you go into your arranged overdraft in the course of a day, make sure you repay your arranged overdraft by the end of the day to avoid paying the daily arranged overdraft fee for that day
  • If a direct debit payment is due at a difficult time in the month for you – for example, just before you get paid – contact the company and ask them if they’ll collect it at a more convenient time.
  • Check your statements and make a list of the dates of your direct debits, standing orders and other regular payments – for example, mortgage, loan or rent
  • Keep a record of any cheques you write and when they have been paid, so that you know how much money is left in your account. Someone can pay a cheque into their account up to six months after you’ve written it.

Keep an eye on your balance and keep your arranged overdraft fees as low as possible.

Direct debits, standing orders, cheques and debit cards all make life easier. Making sure you’ve enough money in your account to cover these payments will help you to keep arranged overdraft fees as low as possible.

If you bank online with us, you can transfer money from other accounts up to midnight to avoid a daily arranged overdraft fee for that day . For other amounts you pay into your account – for example, cheques or payments made at a cash machine – you’ll need to allow time for the money to reach your account. For cheques this can take several days.

It’s easy to check your account balance. You can do it 24 hours a day online, by phone or from a cash machine. Or call into one of our branches during normal working hours.


Apply for an arranged overdraft

Are you registered for Online Banking and have a current account that either offers an Arranged Overdraft or do you already have an Arranged Overdraft with us? You can apply for an arranged overdraft, or apply to increase it online today.

Apply now