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Ulster Bank

The Ulster Bank was always the NatWest's little brother in Northern Ireland- now both are members of the Royal Bank of Scotland Group. The Ulster Bank's relevance is actually increasing, largely because of its business arms south of the border into Eire, and therefore an ability to work comfortably in Euros. All in all, the Ulster Bank has some 100 branches throughout Northern Ireland, and is headquartered in Belfast.
For businesses, special services are available for e-Business, leasing, invoice discounting and factoring, and fleet management along with the usual accounting and credit cards, but oddly, the Ulster Bank is keeping a very low profile- hit "News" on their website and you'll coyly be told "There are no news items at the moment"! Most major banks are constantly publishing research documents at the very least…

The Ulster does share NatWest's enthusiasm for students- their student package includes interest free overdrafts and free banking even when you're in the red. But there are some faux pas- here's what the Guardian said about their children's account: "The Ulster Bank is doing little in the way of encouraging children to save with its Henri's Super Saver Account… the account barely meets the Trade Description Act: How can an interest rate of 0.1% be described as 'super'?". Most banks are offering pretty crummy interest rates (we're in a low rate regime) but nobody goes out and trumpets it!