Terms and Conditions for our products and services

Account Terms and Conditions and Charges

The Account Terms and Conditions and Charges apply to the following accounts: 1st Account, Savings Account, Regular Saver Account and Bonus Savings Account, plus your use of Online Banking, Phone Banking and Text Message Banking for any products you have with us.

From 23 November 2021, ‘Charges and Additional Product Terms’ and  ‘Give me the facts’ will be included in the ‘Account Terms and Conditions and Charges’ document. 

• Account Terms and Conditions and Charges (PDF)
• New rules for payment scams - effective from 7 October 2024 (PDF)
• Privacy Notice (PDF)
  
• 1st Account Fee Information Document (PDF)
• Glossary of terms (PDF)
• Information sheet and exclusion list (PDF)

Savings Accounts

• Cash ISA Key Facts and Terms and Conditions (PDF)

Credit cards Terms and Conditions

• Cards Terms and Conditions (PDF)

Sharedealing

• Shares service Terms and Conditions (PDF)
• Stocks and Shares ISA Terms and Conditions (PDF)

First Directory

• First Directory Terms and Conditions (PDF)
• Worldwide Travel Insurance policy booklet – effective from 1 July 2023 (PDF)
  
• Mobile Phone Insurance policy booklet – effective from 1 July 2023 (PDF)
• Motor Breakdown Assistance policy booklet - effective from 1 July 2023 (PDF)

Our Digital Terms

• Important information about us (PDF)
• Digital Banking Terms and Conditions effective 13 January 2018  (PDF)
• Previous Banking on the go Terms and Conditions (effective from 20 September 2016) (PDF)
• Previous Banking on the go Terms and Conditions (effective from 22 January 2016) (PDF)
• Previous Banking on the go Terms and Conditions (effective from 11 December 2015) (PDF)