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32
Bank account
terms and conditions
Contents
Conditions see page
Section 1 – Introduction to this agreement 33
Section 2 – Special conditions 34
Section 3 – General conditions 37
Part A – Contact and security 37
1. Contacting each other 37
2. Security 37
3. Statements and information 38
Part B – Banking services 38
4. Opening and processing times and general conditions about payments 38
5. Payments into your account (Deposits) 38
6. Payments out of your account (Withdrawals) 40
7. Reward payments, interest and account fees 42
8. Overdrafts 42
9. Benefits packages included with certain accounts 43
Part C – General 43
10. Joint customers 43
11. Authorising others to operate your accounts 44
12. Changes to our interest rates, reward payments, fees and conditions 44
13. General liability 45
14. Using money between accounts (set-off) 45
15. Ending this agreement or an account or service 46
16. Transferring rights and obligations 46
17. Not enforcing this agreement 46
18. Law applying to this agreement 46
19. Tax reporting and withholding for customers who are subject to the tax regime
of certain other countries (including the US) 46
Important points to note 47
Reward payments, interest and account fees 48
Demand & needs statement 54
Travel insurance 55
AA Breakdown Cover 71
Mobile phone insurance 78
Home emergency cover 83
Card protection 86
Key policy differences 91
Our contact details 92