What checks are used on a basic savings account ?

[HAYLEY B]

Hi everyone, i have recently been turned down by natwest and barclays for a basic bank account , i am not bankrupt but do have bad credit history. i have been given a cheque and need to cash it, i was thinking maybe try a basic savings account, but wondered if anyone knew if the same credit checks are used just for a savings account ?

Many thanks
I live in the UK are the chexsystems still applied ?

[Ken D]

Anything to do with any credit or Bank accounts a credit check is always done usually with the companies Equifax, or Experian, you can get a copy of your credit record from Experian which Cost £2.00 on line, type in Experian.

[jackie m]

Local Building Society, I used Dunfermline Building Society, I took my passport and a phone bill and opened the account there and then - you dont get a cash card, it is the old fashioned savings account with a passbook.

[mystycal2u]

at some banks, they do run a credit check for savings accts.

[Smokey69er]

Basic savings account need proof of identity and address nothing else, they dont do a credit check so you open one straight away, alternatively some banks offer bog standard bank accounts like Halifax - cardcash account which is done by form and require same proofs as savings but they take up to 3-4 weeks to open as forms need to be proccessed, if your in a real hurry then go for a simple instant saver from the Halifax i only know about there products because i work for them...

good luck.

[Kevin M]

Try Halifax, they'd give a Cat a bank account if it strutted in with the right I.D

[mary344949]

Try the co-operative bank. 08457212212, I had a bad credit history and opened an account with them

[Marie C]

im sure no credit check are made for a savings account as there is no credit offered

go into a halifax and try for a cashcard account this is very basic account they do check credit but you do not get a cheque book or overdraft with this account