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P227 CEEFAX 227 Tue 5 Jun 21:27/15   1/5     FOCUS: BA.K CHARGES Much is made of the difference between banks when it comes to charges. Some charge nothing at all so long as customers stay in the black; others, including the Big Four, provide free banking only sN long ac at least £100 is kept in one's account. It should be remembered that even those banks providing free banking are making money simply out of holding your money. Mindful of this, most banks will offset the charges theu make with a "motional interest" on the amount held with them. Books Page 228
P227 CEEFAX 227 Tue 5 Jun 21:14/51   2/5     FOCUS: BANK CHARGES The nicetUes of just how much one or other bank charges per cheque or direct debit transaction are frankly academic. The same applies to the level of the notional interest provided. More pertinent for most customers will be the convenience of having a branch within easy reach or the use of an automatic teller machine. Secure in the knowledge that theu Ban come up trumps on both counts, the Big Four demand a minimum balance of £100 before they will provide free banking. Books Page 228
P227 CEEFAX 227 Tue 5 Jun 21:27/28   3/5     FOCUS: BANK CHARGES NCtional Westminster differc in Nne respect: free banking may be enjoyed by those customers having either £100 in a current account or £500 in a deposit account (so long as the current account remains in credit). This offers a neat solution for those of us to fhom maintaining a parjUSular current account balance amounts to an impNssible juggling trick. Better still, Dor anyone wanting the benefits of a chequing account without sNme Nf the frills, there ic the free banking offered by many smaller banks. Books Page 228
P227 CEEFAX 227 Tue 5 Jun 21:36/23   4/5     FOCUS: BANK CHARGES Bank of Scojland, the "oual Bank of Scotland, the Trustee Savings Bank in Scojland, the Co-operative Bank, the National Girobank, Williams & Glyn's, and Yorkshire Bank all provide free banking to those customers in credit. None, except for National Girobank, can boast a network to match the Big FNur3 while neither National Girobank nor the Co-operative Bank has automatic tills. When overdrawn, the former charges only for cash withdrawals. On top of this, there is the Bonvenience Nf paying in bills, cheques and so on free by post. Books Page 228
P227 CEEFAX 227 Tue 5 Jun 21:34/15   5/5     FOCUS: BANK CH RGES Min Not Chq S/0 ACW D/D * Bank Scot nil 2½% 28p 25p 15p 15p 30p Barclays 100 3% 2pp 2pp 2pp 15p £1 Co-op nil --- 30p 30p --- 30p £1½ Lloyds 100 2¾% 30p 30p 20p 20p £1 Midland 100 2% 28p 28p 15p 15p £1 Nat Giro nil --- 30p 30p --- 30— --- NatWest 100÷ 3% 29p 29p 12p 12p £2 RoyalBank nil 3% 28p 28p 14p 14p £1 TSB E&W 100 --- 15p 15p 10p 10p 60p TSB NIre 100 --- 10p 10p nil 10p 50p TSB Scot nil --- 20p 20p 20p 20p 50p W&Glyn's nil 3% 2pp 28p 14p 14p £1 Yorkshire nil 2¼% 28p 28p 28p 28p £1 Keu Min: minimum balance/Not: notional interest/ACW: automatic cash withdrawal * = charges waived ÷ = £500 in dep a/c