First Trust Bank (NI): Plus Current Account

Provider:
First Trust Bank (NI)
Account:Plus Current Account
Account ratings
Account ratings
Online service - -
Call centre service - -
Branch service - -
Trustworthiness - -
Opening the account
Minimum Income £0
Minimum Age 18 years
Maximum Age -
Existing customers only -
Area restrictions This product is only available to residents of Northern Ireland.
Overdrafts and charges
Monthly Charge -
Overdraft facilities
Automatic overdraft facility £0
Interest Free Overdraft Limit £100
Authorised overdraft rate 0% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Overdraft related charges Paid item max fee - £0
Paid item max no - 5
Unpaid item max fee - £0
Unpaid item max no - 5
Stepped cheque charge - £9
Overseas charges (Europe only) Forex fee - 2.75%
Charge for £100 ATM withdrawal - £2
Charge for £100 debit card transaction - £0
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £10
Special clearance - £13
CHAPS - £25
Duplicate statement - £10
Interest rates and other incentives
Headline interest rate 0.1% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
£10.15%0.15%0.15%
£1,2010.00%0.00%0.00%
Maximum balance for interest £1,200
Minimum initial deposit £0
Minimum Monthly Credit £1,200
Interest paid Monthly
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Other incentive - no
Service information
Free banking
Account access Telephone
Branch
Internet
Post office
Services available Standing order
Direct debit
Bill payment
Round-up savings
Text alerts
Text mini statements
ATM mini statements
Cards / cheques provided Debit card
ATM card
Cheque book
Passbook
Maximum ATM withdrawal £500
Time for cheque to clear 4 days
Statement frequency quarterly