Current Account Plus at a glance

• £100 cash back when you open an account*
• Fee-free £200 overdraft facility
• No monthly subscription fees
• Cheque book and debit card
• Regular statements
• Standing order and Direct Debit facility
• Joint accounts available
• 24/7 UK call centre
• Access your Current Account Plus when it suits you, with secure, 24/7 online banking
• Use of most Post Offices to withdraw and deposit cash
• Branches throughout the UK
• Free cash withdrawals in UK**
• Only UK bank to have an Ethical Policy, as voted by their customers
• Minimum £800 a month deposit

Credit facilities are provided by The Co-operative Bank and are subject to status and lending policy. Current Account plus applicants must be a UK resident and 18 years or over. The Co-operative Bank reserves the right to decline any application. The Co-operative Bank p.l.c, P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales no.990937.

*Introductory offer valid until 29 February 2012. To qualify for the £100 cash back offer new customers must: be a UK resident aged 18 years or over; open a Co-operative Bank Current Account Plus between 06th December 2011 and 29th February 2012; use the dedicated switching service to transfer a minimum of two Direct Debits or standing orders before 31st December 2012 and credit a minimum of £800 per month into the account for three consecutive months from date of your completed switch. A credit of £100 will then be paid into your account within four months of the above criteria being met. Only one account per customer whether held in sole or joint names will be eligible for the £100 offer. Policy and supplier terms and exclusions apply.

**At all Co-operative Bank and most LINK cash machines (Using some cash machines in the UK and abroad may incur a small charge)

Smart Saver at a glance

Immediate access wherever you are

• Open an account for as little as £1 (maximum £1,000,000)
• Pays the same rate of interest on every penny in your account
• Interest accrues daily and is paid annually
• Money isn't the only thing that you'll be saving - The Co-operative Bank are the only UK high street bank with a customer-led Ethical Policy.

How do I take money out?

• At most UK cash machines*
• At most Post Office™ branches
• At Co-operative Bank branches throughout the UK
• Online transfer
• Electronic transfer by telephone
• Cheque by telephone banking

How do I pay money in?

• Online transfer
• Standing order
• Direct transfer from another Co-operative Bank account or another bank account
• At any Co-operative Bank and Britannia branch
• By sending a cheque through the post
• By cash and cheque at any Post Office™ branch.

The Co-operative Bank reserves the right to decline to accept any application and/or deposit. Minimum deposit £1 and Maximum deposit £1,000,000. The Co-operative Bank p.l.c, P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales no.990937

*Free cash withdrawals are available at all Cooperative Bank and most LINK cash machines (Using some cash machines in the UK and abroad may incur a small charge)

 Loans at a glance

• A great low fixed rate of  7.9% APR representative for the duration of the loan when borrowing between £7,500 and £14,950
• Spread the payments over 1-7 years
• No arrangement fee
• Loans for other amounts available on request

It's your money

You can be certain that the money you borrow from The Co-operative Bank has not come from the profits of unnecessary pollution, human rights abuses or any other activity which conflicts with their strict ethical policy.

To be eligible for a personal loan from the Co-operative Bank you must:

• Be aged between 23 - 69
• Be a UK resident
• Have a minimum gross annual income of £10,000

The Co-operative Bank accepts sole and joint applications. In the case of a joint application you must reside at the same address as your co-applicant.

Credit facilities are provided by The Co-operative Bank and are subject to status and lending policy. The Bank reserves the right to decline any application or offer a loan at a rate that differs from those advertised. Loan applicants must be UK residents aged between 23 and 69, have a minimum annual income of £10,000 and either be a homeowner or hold a debit card, store card or credit card. Applicants who are existing Co-operative Bank current account customers and have held an account for 7 months or more must be aged between 18 and 69. The Co-operative Bank p.l.c, P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales no.990937

Opening your new account

Switching is hassle-free. You can open both current and savings accounts online in minutes using The Co-operative Bank's 6-step application process. Once your account has been opened, you will receive a welcome pack, which will contain a switching form for you to complete. The Co-operative Bank's dedicated switching team will take care of your direct debits and standing orders with no disruptions to your transactions.

Making the most of your money is more important than ever these days. And a Current Account Plus is a great way of getting more from your account, without paying more and it's packed with useful extras.

It's also completely hassle-free to switch to Current Account Plus. There is no monthly subscription fee - all you need to do is pay in a minimum of £800 per month and use the dedicated switching service to transfer direct debits. Here are some more reasons why you should change to Current Account Plus today:

• A dedicated switching team takes all the hassle out of switching to a Current Account Plus
• If you are a Co-operative member you can earn 1 membership point for every £5 held or borrowed in your Current Account Plus
• The Co-operative Bank has branches throughout the UK, and you can also use Britannia branches and most Post Offices to withdraw cash and deposit cash or a cheque
• The Co-operative Bank is owned by The Co-operative Group, which is accountable only to its members - not shareholders or stock markets
• Only UK bank to have an Ethical Policy, as voted by their customers - "we believe as it's our customers' money, they should have a say in how we invest it"
• No monthly subscription fee.
• Current Account Plus comes with an automatic £200 fee-free overdraft.
• Switching to Current Account Plus couldn't be more simple and hassle-free.

The Co-operative Bank have a set of core values and principles, to give you added peace of mind when banking with them. These are as follows:

Values

• We put our members and customers first in all we do
• We take personal and social responsibility
• Together we will create a great place to work, grow and develop
• We strive relentlessly to be faster, better, more successful
• We are open and fair and are committed to excellent communication

Givens

• We champion co-operative values and principles and ethics
• We are financially prudent and strong
• We share profits with members
• We only do business consistent with our values and principles