My Halifax Easycash account has changed

Dr_Cuckoo3

jambosans wrote: »

a cheque facility is an option only available to current account customers.

and High Interest Cheque Account customers along with Swansea Building Society customers with £5,000 or more http://www.swansea-bs.co.uk/aspx/default.aspx?sectionid=53

jen245

Point taken, but I was talking within the context of the issue I've encountered where I log in and all my current accounts appear as "Bank Account" with a Halifax logo instead of card.

I only get this if I log in via Bank of Scotland, it always has the card pic if I log in through Halifax

savagej

I was told about a year ago that new applicants for Easycash a/c's would be assessed on the information in the application and on their credit report and may instead be offered a current account. However, they never said that current customers were being reassessed. The Easycash a/c has more prominence on their website (changed recently), it is the Cardcash a\c you have to hunt around abit for, I do wonder if that is going.

rb10

Dr_Cuckoo3 wrote: »

Is there any need for basic bank accounts now that cheque guarantee cards have been withdrawn ?

The withdrawal of Cheque Guarantee cards is surely nothing to do with whether banks offer basic bank accounts. They will continue to need a product that can be given to those who they do not wish to give credit to.

Dr_Cuckoo3 wrote: »

I understand that Electron is being withdrawn

I certainly haven't heard this to be the case.

Many banks are choosing to move away from the Visa Electron brand, and instead offer a card which is basically an Electron card, just branded as Visa Debit, on their basic accounts.

beth84

savagej wrote: »

Bumping this up!

Have you spoken to the Halifax, did they tell you what has happened?

I did speak to the Halifax and my account has been upgraded to a normal Current Account and a new Visa debit card it on it's way. She did say they are doing this to certain Easycash accounts but she wouldn't say how they are choosing them.

I was very surprised as I didn't request any upgrade and it's a shame to lose the Electron in terms of flight bookings.

It does seem as though the Halifax are starting to ditch the Easycash now.

adindas

Same here, nothing has changed
I still need easy current a/c to get Visa Electron, to beat the budget airlines fee and charges ...

JenniferF wrote: »

If you log on to your online account - it has a picture of the card issued with the account along side it.

I can clearly see "Visa Electron" on my Easy Cash account and "Visa Debit" on my Reward Current account.

EarthBoy

rb10 wrote: »

.. They will continue to need a product that can be given to those who they do not wish to give credit to..

It's called a current account, with no overdraft allowed.

Most basic accounts are simply current accounts without an overdraft facility. The only difference is that you get credit checked with a standard current account, but not (normally) for a basic account. Banks could easily merge the two and only do the credit check if and when an overdraft is requested.

united66

I can't stand the electron card, or the card it's self its ugly, but I haven't got much other choice due to my past bad credit!
Ah well - I've rand my account well, I hope I'm one of the 'chosen' ones. OP - have you always ran your account well? IE, no failed SO's or DD's?
Im intrigued as to how they are going to select accounts to upgrade.

scott_lithgows

Dr_Cuckoo3 wrote: »

My Santander current account started life as a National & Provincial savings account with no credit reference search

I,m amazed you have stuck with the ex N&P accounts,I never managed a year with abbey before I jumped ship after they ruined a great wee building society.

If I get the easycash "upgrade",the account will be closed.

Dr_Cuckoo3

scott_lithgows wrote: »

I,m amazed you have stuck with the ex N&P accounts,I never managed a year with abbey before I jumped ship after they ruined a great wee building society.

If I get the easycash "upgrade",the account will be closed.

I visited a town yesterday and all the banks close at 4.30 pm or earlier , there are (ex) building societies in the town and these close at 5pm

When Abbey National aquired National & Provincial - wasn't it tha case that (ex) building societies had better opening hours than banks (9 -5 plus Saturdays) ?

Also there was no internet banking and Building Societies offered bill payments / transfers via ATMs

The only bank to offer this at the time was TSB

Abbey National declined my current account application - so N&P was a back door route which resulted in a current account and credit card

National & Provincial used to issue credit cards , but declined my application at the time

I closed my B&B account after the transfer to Santander

I still have A&L and Ex- Abbey accounts - I also used to have the Abbey Safeway Instant Plus account

I wouldn't use them as my main account - but keep the accounts open