First Direct is offering a £125 incentive to switch to its current account to chase away the January blues.
The limited-offer deal from the bank is an improvement on its usual £100 joining bonus but is only available until 31 January.
The 1st Account and its incentive is available to those who haven't banked with First Direct before, switch their banking, including standing orders and direct debits and get an income of £1,500 into the account each month for the first three months.
The bank is still offering its service guarantee of £100 to leave First Direct in the first six months if you're not entirely satisfied - but only 0.01% of their customers took up that offer last year.
First Direct has been voted the most trusted provider for three years running in the Moneywise Customer Service Awards.
The 2013 Customer Service Awards Survey is now open. Vote for the companies you trust here.