Local Bank details
The council will soon pay Housing Benefit directly into bank accounts, rather than by cheque as is currently the case. Unless your Housing Benefit is currently paid to your landlord, you should have received a letter from us requesting details of the account you would like your benefit to be paid into.
If you do not have a bank account or are experiencing problems opening an account, you may be able to open a basic bank account. Most banks offer basic accounts, and details of the accounts offered by the local banks are available in the tables below. A leaflet containing information on basic bank accounts is also available. You can obtain a leaflet either by visiting the Civic Offices, or contacting the Benefits Team on 01252 774444. Help and advice on opening and managing a bank account is also available from your local Citizens Advice Bureau.
This table gives general guidance only of basic accounts available.
|
Name of Bank |
Name of Account |
Monthly Deposit required |
Standing Order |
Cheque Book |
Cash card |
Over Draft |
Post Office Access |
If any of the following apply, your application may be declined |
|
Barclays |
Cash Card Account |
X |
√ |
X |
√ |
X |
√ |
CCJs, UNDISCHARGED BANKRUPT |
|
Nationwide |
Flex account Cash Card |
X |
√ |
X |
√ |
X |
√ |
|
|
Halifax |
Easy Cash |
X |
√ |
X |
√ |
X |
√ |
UNDISCHARGED BANKRUPT, DISCHARGED FOR LESS THAN 6 MONTHS |
|
NatWest |
Step Account |
X |
√ |
X |
√ |
X |
√ |
UNDISCHARGED BANKRUPT |
|
Lloyds TSB |
Basic Bank Account | X | √ | X | √ | X | UNDISCHARGED BANKRUPT | |
|
HSBC |
Basic Bank Account | X | √ | X | √ | X | √ | CCJs, BANKRUPTCY |
|
Abbey |
Basic Current Account | X | √ | X | √ | X | √ | UNDISCHARGED BANKRUPT |
Proof of Identification required to open a bank account
The following table gives guidance to the Identification documents required to open a bank account
| Acceptable proof of Identification | Barclays | Nationwide | Halifax | NatWest | Lloyds TSB | HSBC | Abbey |
| Passport | √ | √ | X | √ | √ | √ | √ |
| Driving Licence | √ | √ | X | √ | √ | √ | √ |
| Birth Certificate | X | √ | √ | X | X | X | X |
| National Insurance card | √ | X | X | X | X | X | X |
| EU Identity card | √ | X | X | X | X | X | X |
| NHS medical card | √ | X | √ | X | X | X | X |
| Armed Forces ID | X | X | X | √ | √ | X | X |
| DWP letter | X | √ | √ | X | X | √ | √ |
| Utility bill | √ | √ | √ | √ | √ | X | √ |
| Credit card | X | √ | X | X | X | X | X |
| Credit card statement | X | X | √ | X | X | X | √ |
| Housing Benefit award letter | X | X | √ | X | X | X | X |
| Council Tax bill | √ | √ | √ | X | X | X | √ |
| Tenancy Agreement | X | X | √ | X | X | X | √ |
| Letter from a responsible person eg doctor | X | X | X | X | X | √ | X |
| Vehicle registration document | X | X | √ | X | X | X | X |
| TV licence renewal letter | X | X | √ | X | X | X | X |
| Firearms Certificate | X | X | √ | X | X | X | X |
| Construction Industry Scheme card | X | X | √ | X | X | X | √ |

