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Yorkshire Banking
Smaller and regional banks are sometimes capable of providing a better personalised service than the larger companies, and the Yorkshire banking philosophy is much the same. For £120 per annum their flagship premium service entitles you to a dedicated manager- a rate slightly lower than most big banks (LloydsTSB for example charge £180 for this service).
The standard current accounts are ReadyCash (which has no credit facility) and the Current Account, which offers free day-to-day banking (as do most standard accounts), credit facilities, and up to £350 withdrawals per day; plus telephone and internet banking.
Current Account Choice is the premium Yorkshire banking service (although the fee is unspecified!) which includes preferential interest rates on borrowing and overdrafts, reduced rate vehicle recovery and a genuine travel policy that covers your whole family (most offers like this don't). The financial benefits are rather lean (up to 1% off loans, for example) so make sure the value adds up before you buy.
Charges are rather high though- a banker's draft will cost you £13, duplicate statements £5, and stopped cheques £10. Furthermore, exact interest rates, both for money in accounts and for authorised and unauthorised borrowing on Yorkshire banking accounts are not clearly stated, and you should ask for rates before signing up. Private banking is also available for high-net-worth individuals.
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