Paying money in
You can pay money into your account at any of our local branches. If you want to make regular deposits, we can help you to set up a 'standing order' from your bank account to your savings account. (Standing order forms are available from any of our branches.)

Taking money out
Using your passbook you can take out up to £500 in cash, or up to £100,000 by cheque, each day from any of our branches. We require 4 working days before you can draw against cheques paid into your account.

You may withdraw larger sums by cheque, but this may take us a few days to arrange.

Some of our accounts have withdrawal restrictions or charge a penalty when you make a withdrawal. Please check the key features and terms of the account first. If you are unsure how the account works, our branch staff will be happy to help you.

Cheque clearance and automated payments
If you pay money into your account by cheque or automated payment, the payment will be put through a clearing process. The central clearing cycle for cheques and automated payments (including direct debit, salary transfer, standing order, internet or telephone banking transfer) is three working days. We will then require one further day for your payment to reach our bank account. We therefore require four working days before cheques can be withdrawn. As the timescale for the cheque clearing process can be longer than this, you can only be certain the money is yours after 8 working days have passed.

Cheques paid into your account will be added to the balance and start to earn interest straight away.

Automated payments will take four working days to reach your account and start to earn interest.

Please note that Saturdays, Sundays and Bank Holidays are not classed as working days in the central clearing cycle.