Happy FamilyWe offer a range of ethical savings and loans products and services that help improve the financial wellbeing of our community and its people.

Each account has been tailor made with facilities and benefits designed to make managing your money easier ad our friendly member services team ensure you get excellent customer service throughout.

We offer a prepaid card with a whole list of benefits and our budget account is designed to take the hassle out of managing bills and help you become a better saver! Our great savings and loans products are available to all members.

To find out more simply choose an account type from the menu above and if you are unsure, please contact a member of our team.

Which account is right for me?

To help you decide which account is best for you, choose the features that are most important to you from the list below.

If your bills amounts for each supplier do not vary very much from month to month you may want to consider the Clockwise budget account.

The Clockwise Budget Account provides regular bill payments

If you would like to set up regular amounts to pay bills or to repay a loan or to save money you will need the standing order facility available with the Prepaid money card or the Clockwise Budget Account

Standing orders are in your control (not your supplier) and take up to three days for the payment to be received  so set them up at least three days before your supplier is expecting the payment, longer if the date falls on a weekend or bank holiday. You need to have sufficient funds in your account for the payment to be made.

Budget account bill payments are also in your control, but the bill is received on the date you state as long it doesn’t’t fall on a weekend or bank holiday. Once set up you will need to give two weeks’ notice to us to cancel them. This is the best account if you often find yourself getting behind. You need to have sufficient funds in your account for the payment to be made.

If the flexibility and control of having standing orders are important you will need our Prepaid Money Card

If safeguarding money for priority bills is important to you and you are on a tight budget then the Budget Account is best for you

The prepaid money card will allow you to get cash out of a bank cash machine for a small fee of 75p. If you want to avoid this charge some shops offer a cash back service. This means they add the amount to your bill and give you the difference as cash. This is FREE of any charge

Some cash machines will charge you for cash withdrawals. Please check that the service is offered for free before using your card

If you just want to pay for your card as you go then the prepaid money card is a very affordable option.

All the services provided by the current account cost Clockwise money and so we cannot provide free card accounts. The good news is, as a not-for-profit, we do not make any profits from the fees and we do not charge high fees like many other bank accounts to pay for free banking.

 

Loans with values

8 reasons to choose a Clockwise loan over your bank

Great value loans

See how much you could save with our calculator

Phone Service

Balance & withdraws by phone 24/7