Your new bank

account statement

Additional needs

We are committed to meeting the needs of all our customers. If you have a hearing or speech impairment you can use Typetalk whenever you contact us, or contact us using Textphone on 08457 323 436 (lines open 9am-5.30pm, 7 days a week).

For visually impaired customers we can provide documents in large print, Braille or on audio CD or cassette. Please speak to a member of staff.Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ

We’ve improved your bank statementsWe’ve listened to your comments and improved your bank statements making it easier for you to see how much money has been paid into and taken out of your bank account.

We have also included some information in your statement which makes it easy for you to understand the rates of interest and fees you pay on your bank account.

We will now include an additional summary page in your statement which will show you this information, in addition to the activity on your account.

Useful informationSometimes you may have to pay a Paid item fee which we charge when a card transaction, cheque (whether guaranteed or not), standing order, direct debit or other instruction that we pay results in or increases an unarranged overdraft.

We may also charge an Unpaid item fee which is a fee we charge when we decide to return unpaid, or not to pay, any cheque, card transaction, standing order, direct debit or other instruction that would result in or increase an unarranged overdraft.

Your interest rates

• The amount of credit interest we pay you when your account is in credit

• The amount of debit interest you pay when your account is overdrawn

Fees explained

More information about fees that will apply to your account if you go over an arranged overdraft limit or go overdrawn without an arranged overdraft.

Historical informationYou may notice more information about interest rates and fees at the end of your transactions. This will only be shown if there have been any changes to the interest rates and fees during your statement period and will help you identify what changed and when. 1/805623-6 (03/09)

Safe and secureProtect your PIN

If your account is eligible for a card, it’s important to remember your PIN number and not write it down. You can change it to a number that you can easily remember, at any cash machine in the UK.

If you accidentally ‘lock’ your number by keying the wrong PIN, you can unlock it at any of our cash machines. If you have forgotten your PIN, call 08457 21 31 41 or call into any Bank of Scotland branch.

As safe as can be

We use the very latest technology to keep your money safe. And in the unlikely event of fraud, our online guarantee ensures you won’t lose out.

BANK ON STATEMENTS BANK ON STATEMENTS

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Opening BalanceThe amount of money that was in

your account at the start of thestatement period.

Total Pay-insHow much money was paid into youraccount during the statement period.

Total WithdrawalsHow much money was paid out of youraccount during the statement period.

Closing BalanceHow much money was in your accounton the day the statement was produced.This does not mean that your accounthas been closed.

Amount of fees paidFees that you have incurred for this statement period.

Amount of interest creditedThe amount of interest we have paid

on the money in your account during thisstatement period.

Amount of interest debitedThe amount of money you have paid

in this statement period if you have usedan overdraft.

Your statement summary:

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