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Ulster Banking

Which current account you can have with the Ulster Bank does seem to depend on whether you are a Northern or Southern Irish citizen- the accounts change across the border. However, in general, there are four Ulster banking accounts.
The basic account, designed specifically for receiving social security benefits directly is a non-interest-bearing, non-credit account with debiting facilities of £300 per day at cash machines or Post Offices.

The standard current account gives you the full list of bank services- a credit line, statements, chequebook etc.; and free banking when you're in credit. Bizarrely, the next service level is Current Plus (just like sister company NatWest) which is exactly the same, but with a small rate of interest too. Why you'd want a basic current account instead of Current Plus is a mystery.

But then there's U First, which actually looks like a trump card. This premium service only costs £6.50 per month, and offers serious benefits; the best being fee-free banking whether you are in credit or debit. In other words, £6.50 buys you your complete banking service. Other benefits include a guaranteed £250 overdraft, special interest rates on most products, extended warranties, purchase protection, discounted private healthcare. All in all it's a very comprehensive benefits package for a fairly low fee so Ulster banking compares very favourably with competitors.