new job new account!!

[ginger 69]

have just started a job after six years on benefits. Am a single mother of three. Have been refused for a proper bank account many times, although i have credit and store cards without late/missed payments.I do have a savings account with an electron card so i tend to transfer money over. When if ever, should i apply for a full account or will i be refused. I have had poor credit in past. My monthly income is now about five hundred � plus more than it was. around 1200 without child support etc. Any ideas?

[spudqueen]

You could ask your employers if they will recommend you to their bank, especially if they're going to pay you by paying money into a bank account.

[mongos bird]

If the bank begin to see your account run in good order for a few months, ie regular credits, staying within your account limits, they'll probably consider an account with a maestro card (avoid credit cards at all costs - they're the devil's work!!) They usually allow direct debits/standing orders on those accounts too. Good luck!!

[stevie21]

If you've got an electron card then I'd have thought that this wasn't on a savings account : it'd have to be on a current account of some sort.

[stanleyman]

Try the Abbey Bank, you can get a simple account and a electron card to start with.

[ginger 69]

no stevie21 its a saving account with the cooperative. You get electron card with the basic one and a visa delta with the premier saver. Odd aint it!

[jon1968]

My sister had a similar problem, she just needed an account she could do Direct Debits from, she got a Basic Nationwide Flex Account but without 'full banking facilities' ie no cheque book and you can only use the card as a cashpoint card.
As was said before after a few months of regular credits they automatically upgraded her to the full package.