Since the explosion of the Internet a couple of decades ago, practically every service and product you could buy, use or apply for on the high streets is now available with a few clicks of a button through our PCs. Being able to hold an online bank account is no exception to this rule, and in fact having an online bank account is the norm for many people. There are many benefits associated with having an online bank account, such as complete convenience, ease of use, financial control, and constant access to your finances. With many if us working during normal banking business hours, an online bank account provides an effective means of managing our money without interfering with our busy lifestyles.

Using an online bank account will not mean compromising on quality, services or products. Practically every mainstream bank offers customers the option of holding an online bank account. And once you have set up your online bank account you can do everything you could do through a high street bank, but from the comfort of your home. An online bank account enables you to pay bills, view statements, check transactions, transfer money, cancel direct debits, set up or amend standing orders, and order cheque books and other stationery. Your online bank account will also allow you to apply for products such as loans, credit cards, insurance, accounts and investments, and mortgages.

Having an online bank account doesn’t mean that you will be unable to receive support from the bank if you need it. Quite the contrary, in fact – most banks that offer an online bank account also provide live telephone support for those who may be experiencing difficulties or have an account enquiry. And there is no need to worry that someone else will access your details with an online bank account, as banks go to extreme measures to ensure the security and protection of their online bank account customers.

First Direct Offer One of the most featured online Bank Accounts around at the moment,

- Automatic £500 overdraft
- Overdraft interest rate of 9.9% EAR
- 2.10% AER interest on all credit balances
- No arrangement or renewal fees on overdrafts up to £10,000
- Account balance sent as a text message to your mobile phone as often as you wish
- Real-time banking on most transactions, allowing balances to be updated in seconds 7 days a week
- 24-hour access from anywhere in the world, with calls always answered by a real person
- £100 cheque guarantee card with Switch (which can be used at home or abroad through Maestro and Cirrus)
- Statements are provided by post, on-line, through ATM's or your mobile phone

Not only do first Direct to bank accounts they also do mortgages, loans etc too !