Student account- graduate

cjrawr

Hi, I've been searching today but haven't found an answer yet and remembered I have an account here on a pretty useful site .

I graduated in 2010 from University, and when I spoke to someone in the bank some months ago they said at some point I'd get a letter about my account. On my latest statement it still says "Student current account."

It is with halifax which online says "That’s up to five years – plus an extra year after you graduate" which I don't know is my 3 year course +1, or all six years.

I've been worrying a bit, as for some reason I've got it into my head it was meant to change about a year after graduation.

I have a few questions:
1) Will my bank have known automatically when I graduated? I can't recall telling them, but I did have to give them my course details when I opened it, and a quick search seems to suggest they know from these details.

2) Is it possible I was moved to a graduate account without being informed?

3) Should I talk to them or just wait to see if I get a letter in the next few weeks where it is now just over two years since graduation? I don't have the overdraft to worry about as I haven't used it (being OCD about keeping a certain amount in the bank) but I worry if I go to them and get them to change it to a current account I might have my account number changed.

It would cause a lot of stress if that were to happen, as being my only account everything is set up to go into, and come out of it.

If it's just the terms and conditions that's fine, as I've said I haven't gone into my overdraft so have nothing to repay on that front. But a change of card/account number would cause me a lot of stress as I'm not good with handling changing details via phone etc

Should I have to talk to someone, or am I again worrying over nothing that is perfectly normal?

pcombo

your not a student so you shouldn't have a student account, on the application you would put your course start date and end i.e graduation date, The account would automatically be changed, the whole point in graduation account is to pay the OD back without interest being added on.

cjrawr

Well if it is an automatic thing that's ok I guess.

Not using the OD I guess they never had to send out a letter about how I'll start to pay back stuff, but tomorrow I might just quickly pop in to the branch and ask about what happens after graduation just to stop worrying a bit...

Sharon87

Your account number will stay the same. My student account went to Graduate account then just standard current account, and it's still the same details.