Basic Bank Account & Debit Card Update

Silvafox

jsmith9156 wrote:

Does anyone know if you get Internet banking with this Account?

Yes you do along with telephone banking.

Silvafox

...just to add. I went into apply for this account on Tuesday afternoon this week and this morning (Friday) my card arrived! Very fast service. So far it seems a very good service considering Halifax seem to take ages in comparison to send out cards...and plenty of other companies for that matter.

itsarichmansworld

My Friend has the Clydesdale version you do get internet banking

Kilty_2

Silvafox wrote:

So far it seems a very good service considering Halifax seem to take ages in comparison to send out cards

I received both of my Bank of Scotland cards and PINs within the same timescale

Recieved another letter from Clydesdale last week telling me that my Maestro card is on it's way.

jsmith9156

Hiya,

Just wanted to thank everyone with the answers to my Questions about the Yorkshire/Clydedale bank accounts.. My maestro card arrived today, just 2 days after opening the account

James

sgx.saint

Hiya,

Just wanted to thank everyone with the answers to my Questions about the Yorkshire/Clydedale bank accounts.. My maestro card arrived today, just 2 days after opening the account

No problem and gratz on your new card

EvilEdna_2

sgx.saint wrote:

Oh, its not the "Maestro Card" that allows you to go overdrawn. Its all electroniclly communicated now-a-days. Its your account which will let you go overdrawn. So if you have an overdraft you can overdrawn using your Maestro, if you do not have an overdraft again the Maestro will not let you go overdrawn.

Aaactually, a Swich (now Maestro) card meant that the store in which you used it would not automatically check your balance for a purchase under the store limit, say £50, which meant that even if you did not have an overdraft you could go overdrawn. Use of a Solo or Visa Electron means that your balance is checked with the bank to ensure there are sufficient funds to meet the transaction, no matter what the purchase amount was.

EvilEdna_2

EvilEdna wrote:

Aaactually, a Swich (now Maestro) card meant that the store in which you used it would not automatically check your balance for a purchase under the store limit, say £50, which meant that even if you did not have an overdraft you could go overdrawn. Use of a Solo or Visa Electron means that your balance is checked with the bank to ensure there are sufficient funds to meet the transaction, no matter what the purchase amount was.

Ahem. Just realised that someone else had already said this, and much more eloquently than I did. Just goes to show I should have listened to my teachers and read the whole thing before jumping in with both big feet...

D3BB13

Can anyone tell me if someone with a really poor credit rating can getnthis yorkshire bank basic account and thatn there's definitely no credit check?? (Don't think I would pass!!)

sgx.saint

There is a credit check, but only to confirm your identity and status. The account is for people with very poor credit or those just wanting a basic account.

I should think you would have no problem getting the account, unless you have been bankrupt.

Hope this helps.