If you're running a club, society or charity, this is the cost-effective account for you. Our Community Account can help you organise the local Saturday football team's finances or stay on top of a national charity's accounts
With simple charges and no monthly maintenance fees, there are no surprises for your organisation
Keep on top of your organisation's finances with 200 free transactions each month
Perfect for prize-givings or charity donations, spice up your organisation's special occasions with a great giant cheque
Bringing in the right documents can smooth out the account opening process.
To open a Community Account, you’ll need to be a club, society or charity. Different types of organisations will need different documents:
Minutes of the Meeting need to confirm:
Constitution documents need to confirm:
A valid passport, EU national ID card or UK driving licence is ideal, and may be all we need.
We can only accept original documents, not photocopies.
Valid Passport/EU national ID Card means in date, undamaged and machine readable. Unfortunately, we can’t accept handwritten passports or ID cards.
If you’re providing non-photographic ID, you’ll need to bring 2 proofs of address. We can only accept original documents, not photocopies.
Valid passport with your current visa (with at least 6 months left on it) or a Biometric Residence Permit.
Limited Company registered with Charity Commission
Charity registered with the Charity Commission
Must have your name and current address on it. We only accept originals. It’s handy to have 2 of these with you, just in case.
|Monthly account fee||Annual turnover / balance sheet value||Below 200 monthly UK transaction fees||Below £10,000 monthly cash withdrawal/deposit fees|
|Zero||Below £2 million||Free (then £0.20 each)||Free (then 0.70% per £100)|
We don’t charge fees for non-sterling transactions or purchases in many European countries. If you’re outside of Europe, our rates offer the best value possible. Account fees and charges will still apply, though.
|Location||Card Purchase||Cash Withdrawal|
|Outside Europe*||2.99%||2.99% + £1.50|
*Where can I use my card for free in Europe?
When we refer to Europe, we mean the countries which are part of the Single European Payments Area (SEPA).
All territories are included by their associated owning country.
If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s taken out of your account. The exchange rate is set by MasterCard®.
MasterCard® is a registered trademark of MasterCard International Incorporated.
There’s no monthly charge for this account.
We will charge for some transactions and services such as international payments, CHAPS payments and an Auditor's Certificate of Balance. You can find all the details of our transaction and service charges in the downloadable PDF below.
If your account balance and agreed overdraft aren’t enough to cover a payment, we may give you an unarranged overdraft. Unarranged overdrafts have a typical interest rate of 25% EAR (variable).
EAR stands for equivalent annual rate. It shows the rate you’d pay if you remained overdrawn for a year. It takes into account the interest rate you’re charged when you go overdrawn, how often it’s charged and the effect of compounding – charging interest on interest – on your debt.
‘Variable’ means we may change these rates and charges from time to time, or introduce new charges. If this means you’ll pay more, we’ll let you know beforehand.
Interest will be calculated daily on your account and applied monthly. The amount of interest payable and when it will be charged will be shown on your monthly statement.
To open a Community account, you need:
We believe in letting you decide how you want to bank with us – whether that’s online, in store, over the phone or on the move.
Manage your Community Current Account online or on your mobile.
This account supports an overdraft, but you need to apply for one. Once we’ve reviewed your financial status, we’ll let you know our decision.
Cheques normally take 5 working days to process. If you’d like to know how quickly you can withdraw your funds after a cheque has been paid into your account you can take a look at our cheque clearance guide.
Important: Cheques will begin to be processed as soon as they are received by a bank, which could be on the same day as it’s written. Please ensure you have enough money in your account to cover all your payments, including cheques, to avoid becoming overdrawn.
Download our PDF to read when you like - it contains all the ins and outs of our Community Current Account.
No - each trustee can go into a different store and be identified for the account individually. Your organisation’s minutes will have to list each person who can sign on the account.
Usually, the cheque will clear on the fourth working day after you pay it in. (Yes, we’re open every day, but just pretend working days are Monday to Friday!) If you pay a cheque in on Monday, you can use the money on Friday. Pay it in on Tuesday and you can use the money the following Monday – and so on.
If the bank the cheque is from uses extra security measures, it will take a little longer. International cheques can take 6-8 weeks to clear.
To arrange an overdraft please speak to your Relationship Manager. Overdrafts are subject to status checks and approval.
Yes. There’s a £25 charge to make an international payment.
Yes, you can use Business Internet Banking to make payments, move money between accounts and more.
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Small business insurance you can rely on. Help keep your business protected with Churchill Expert.
Running a club or society? Collecting donations for your charity? Looking after the finances for your place of worship? We can help.
Choose how long you want to save for and know how much interest you'll earn with our Community Fixed Term Deposit Account.
Our Community Instant Access Deposit Account is just for charities, clubs and societies. Access your cash 24/7 in store or online.