GENERAL ACCOUNT INFORMATION

Lost or Stolen Card or PIN
If your card is lost stolen, or you think that someone else knows your PIN, you must notify us immediately by contacting your branch during working hours, or by telephoning 0845 6010306 (available 24 hours 7 days a week).

Stopped Cheques
You can stop a cheque by advising us in writing of the following details:

	Your account number
	The cheque number
	The amount of the cheque
	The payee of the cheque
	The date the cheque was written

Details of charges for stopping cheques are set out in our charges tariff. A cheque which has been guaranteed with a cheque card cannot be stopped.

Direct Debit Guarantee
This guarantee is offered by all Banks and Building Societies that take part in the Direct Debit scheme and offers you protection if a direct debit which you have not authorised is taken from your account.

If any money is wrongly taken from your account under a direct debit then, as soon as we are told about it, we will refund your account.

Interest Rates

Arranged Overdrafts
The interest rate charged on an arranged overdraft facility is negotiable and is dependant on such factors as the extent of risk and whether the Bank hold security.

Unarranged Overdrafts
(including overdrafts in excess of an agreed limit)
An interest rate of 10% will be added to the negotiated rate. In addition, charges may be incurred for any item we have to return unpaid due to an unarranged overdraft position on the account.

Interest
Interest will be paid net of basic rate tax unless valid documentation is provided entitling the holder(s) to receive interest gross of tax, or the deposit is for £50,000 or more and fixed for a specific period.

Interest Rate Changes
Notification of changes will be posted in our Branches and an advertisement will be taken out in the Airdrie and Coatbridge Advertiser.

Changes To Terms & Conditions
If the Bank makes any changes to the Terms & Conditions of your account we will give you at least 30 days notice before making the changes and we will notify you by placing notices in all of our branches. If the change is to your disadvantage, we will advise you personally by letter, at least 30 days before we make the change.
Interest rate changes are not covered by this condition

CHANGING YOUR ACCOUNT

Cooling off
If you are not happy about your choice of account within fourteen days of making your first payment into the account, we will help you switch to another of our accounts or we will give you all your money back with any interest it has earned. We will ignore any notice period and any extra charges.

Transferring your account to another Institution
If you decide to transfer your account to another institution, we will provide them with information about regular payments from your account within three working days of receivng their request. Also, we will close or move your account when you ask us to do so without charge.

Transferring your account from another Institution
If you want to transfer your account to us we will explain how the process of transfer will work and who is responsible for each step in the process. We will give you what you need to operate the account within ten working days of approving the application.

Closing your account
Unless there are exceptional circumstances, we will not close your account without giving you at least 30 days notice.

Consumer Credit Act
Mortgages, Loans, Credit Cards and all other forms of credit.

	You must be aged 18 years or over and resident in the UK to apply for Credit.
	All lending is subject to the  Banks' appraisal of the applicant's financial status.
	Full details and written consumer credit quotations are available on request for all products and services from Airdrie Savings Bank, Credit Services, 56 Stirling Street, Airdrie, ML6 0AW.

Personal Data
We may ask you to provide your name and personal contact details if you wish more information about our products and services. This data will be used to provide you with the information you request, and may be retained to keep you informed by mail or telephone or other reasonable methods of products and services offered by Airdrie Savings Bank. If you would prefer not to receive marketing information, please advise us in writing to: 

Airdrie Savings Bank, Head Office, 56 Stirling Street, Airdrie, ML6 0AW or email to info@airdriesavingsbank.com

Financial Services Compensation Scheme
The Bank is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further details of the scheme are available from us on request or from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN or you can telephone them on 020 7892 7300.

Banking Codes
The Bank subscribes to the Banking Code and The Business Banking Code. Copies of these Codes are available on request from any of our branches. You may also download a copy of the Banking Codes by visiting :
www.bankingcode.org.uk 

Financial Ombudsman Service
Airdrie Savings Bank is a member of the Financial Ombudsman Service.

For further information visit the Financial Ombudsman Service website at:
  www.financial-ombudsman.org.uk

Data Protection Act
All personal information provided by you and any other information relating to your account will be treated in confidence and will not be disclosed to any third parties except where permitted by law or where your consent has been received. However information may be shared with other organisations to protect both ourselves and our customers against fraud.

The information will be held in Airdrie Savings Bank computer systems and may be used in the following ways:-

	The information will assist us in providing the service for which you have applied.
	To keep you informed of other services which may be of interest to you. If you would prefer not to receive marketing information, please write and advise us.
	Where a lending decision is involved, the information will aid us in assessing the extent of the credit we will offer to you. Credit Scoring may be used for credit assessment.
	Enquiries may  be made with Credit Reference Agencies and in such cases the agencies will keep a record of our enquiry whether or not this application proceeds. We will disclose to the agencies information about  you in event of you defaulting on a debt. In addition, transactional information relating to the conduct of the account(s) may be disclosed periodically to Credit Reference Agencies. All information received and recorded by Credit Reference Agencies may be used by other lenders in making credit decisions about you, other members of your household and those with whom you are linked financially. An association between the joint applicants and/or any other individual identified as your financial partner will be created at Credit References Agencies which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a 'Disassociation' at the Credit Reference Agencies. By stating a financial association with another party, you are also declaring that you are entitled to disclose information about your joint applicant and/or anyone else referred to by you and that you authorise us to search, link and/or record information at Credit Reference Agencies about you and/or anyone else referred to by you. Please contact us if you wish details of those agencies we use. You have a legal right to these details.

Email Us at: info@airdriesavingsbank.com