instant step account

[Darkdog]

Hi All,
this only my 3rd post and only just registered, but thought I'd post my experience.
My IP advised a NatWest Step account straight away, the morning after his advice I went into my nearest NatWest, asked to open a step account, spent 15 mins with the manager and walked out with the account open and the account number and sort code. signed me up for internet banking so I can monitor the account on line and also supplying a card reader for the PC for any on line purchase I may need to do. All I needed was my passport, Very simple

[MelanieGiles]

NatWest are certainly one of the more supportive banks when it comes to customers with financial difficulties, and I also recommend them to my own clients.

[kallis3]

That's excellent news Darkdog. An account to add to the Co-op and Yorkshire as being sympathetic to people in an IVA.

[Shining]

I have to say I have a Step account and it does run really well for me, hopefully it'll run smooth for you.

[Cath]

I would just say that they are part of RBS, so make sure you have no debt with them. I was originally advised to open a NatWest account even though I had a credit card debt with RBS...err on the side of caution, although I loved their internet banking, it literally told you how muh you'd spent, the second you'd spent it!

[Skippy]

That's the only downside of the Co-op as far as I can see, their internet banking isn't instant. I enter everything onto a spreadsheet and keep track of it like that and (touch wood!) it seems to work.

[Shining]

I do agree about the instant online banking, my hubby can go shops and I know what he's spent!

[kallis3]

[:D][:D][:D]

Mine wouldn't dare do anything money wise without clearing it with me first!

[MelanieGiles]

I can believe that Jan!!!

[kallis3]

He reckons the alarm bells start ringing when the money goes into his pocket!

[lancsman1]

Hi all i too would certaly recomend Natwest went in explained been in an iva for 4 yrs and was told not a problem.opened a step account job done no hassle.

[Shining]

I like my Natwest Step Account and will imagine this will be kept open post IVA x

[kallis3]

We have kept our full Barclays account open as they are not one of hubby's creditors, and this will be the one we use post IVA.

Nationwide are ok but still a cashpoint card and waiting for the new card - be surprised if it ever turns up!

[deb.ml]

Hi Dardog,
Just wanted to say that I opened a Natwest Step Account at start of IVA, now 12 months in it has been the best account and the card reader etc makes internet banking easy. I just wanted to say I owe RBS credit card but have never worried about that affecting my Natwest a/c.
Deb

[CashClown]

We recently applied to Nat west for a Step Account using the on-line service, after reading comments on here and other forums. They sent us through a welcome pack very quickly and did not ask for any proof of ID, just our signatures to open the account.

We then received a letter asking us for copies of bank statements, name and addresses of employers, copy pay slips etc etc. I called and was advised taht since the income quoted was reasonably high we would have to prove the income. I was told that even though we required no credit and this is a basic account, a full credit check had been carried out and they required this proof of income to open the account.

I asked them to close the application as we are not signed up to an IVA yet and we need to get a new account urgently without our current bank finding out. However, we receive a reminder by email almost daily that ssys our account is ready and waiting foir us - please send the signed documents back!

I do not think I would want an account with them anyway, but it just goes to show that the response of different banks varies enormously.