Basic bank accounts are easy to use accounts that have the basic features of a Current Account. You can withdraw cash at the counter and at cash machines, you may be able to set up direct debits but you cannot have an overdraft or cheque book. If you have been unable to open a current account perhaps due to a poor credit history you maybe able to open a basic bank account. All the major banks and building societies operate them and most let you use the Post Office to get your money.

Basic bank accounts are available from most high street banks and building societies. To open a basic bank account you will need to provide proof of you identity and address.

What identification do I need to open a Basic Bank Account?

When opening your account, remember to stress that you want to open a basic bank account. Do not be pressured into opening another account, which is unsuitable and may lead to future problems such as overdrafts.

What are the basic bank accounts offered by each bank?

If you receive (or have just made a new claim for) Housing Benefit or Local Housing Allowance and need help to open an account, phone us on 0161 912 3302. One of our advisors will make an appointment to see you.

You will need to open a bank account to receive payments of state benefits. If you rent your property from a private landlord and claim Local Housing Allowance (LHA), you will also need to open a bank account to receive payments. LHA is paid to tenants and not landlords.

Six good reasons to open an account:

• BACS payments are quick and secure
• It costs less than producing a cheque; helping to keep the Council Tax low
• You have the money available to you on the day it arrives in your account
• You still get paid on time if there is a postal delay
• You can access your money 24 hours a day, 7 days a week
• You will not have to wait for your cheque to clear (This can take up to 5 working days.)

You can enjoy these benefits too. Even if you cannot open a Current Account you may be able to open a basic bank account.

They offer:

• Free Automated transactions (e.g. Direct Debits and Standing Orders)
• A cash card for use at cash machines
• Phone Banking

If you cannot get out to collect your Benefits or Pension you can give your permission for someone you trust to do this. Speak to your bank or building society for more details. If you receive Local Housing Allowance or Housing Benefit into your bank account we recommend that you set up a standing order. This way your rent will be paid on time, every time.

Of course, these days you can do your banking at the Post Office. Find out what accounts are available by visiting the Post Office website.

To have your Housing Benefit paid into your bank account you can:

• Complete a BACS Payment Form
• Phone us on 0161 912 2220

If you are making a new claim, then simply fill in your bank details on your claim form.