Cumberland Day 2 Day Current Account

Call (01228) 403 141 or pop into your local branch to open a Day 2 Day Current Account today

A more basic bank account with a lower, minimum funding requirement of £200 per month but no overdraft. Good for young people and those not requiring an overdraft and without the income to meet Cumberland Plus’s funding threshold.

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Account Summary

  • Cumberland Plus Current Account
    Minimum age
    131
    Must be main account
    Yes
    Minimum funding requirement
    £200 per month for those aged 24 and over. No minimum funding requirement for those aged 23 or under 2
    Charge if funding requirement is not met
    £2 per month3.
    Current Account Switch Service
    Yes
    Standing Orders & Direct Debits
    Yes
    Contactless Visa debit card
    Yes
    Visa Secure and One Time Passcode protection
    Yes
    Cash withdrawal at Link cash machines in the UK
    £300 per day
    Mini statements from Cumberland ATMs
    Yes
    Cash withdrawal at Cumberland branches
    £500 per day
    Cash withdrawal in foreign currency outside the UK and debit card payments in a foreign currency
    Free4
    Cheque book
    Available on request to over 18s5(£5 charge per cheque book)
    Statements
    Free
    Use of all Cumberland branches
    Yes
    Internet banking
    Yes6
    Mobile banking
    Yes
    Text alerts
    Yes
    Pay2Mobile (Mobile Payments)
    Yes
    Customer Service Helpline
    Yes
    Overdraft facility available
    No
    Unarranged overdraft interest rate
    14.99% EAR7 (variable)
    Credit interest paid into your account
    Minimum balance £1
    Variable Gross Interest8/AER90.00%

    Credit interest rates correct at 01/02/18.

    1. Applications from 13-15 year olds must be approved by a parent/guardian.
    2. You must fund your account with at least £200 per month from an external source. Transfers from other personal Cumberland accounts (except current accounts which require funding of £750 or more per month) will not count towards the minimum funding requirement. Transfers from Cumberland Business accounts will count towards the minimum funding requirement. This requirement does not apply to customers under 24 years of age. In the case of joint accounts, one such source of income is acceptable.
    3. If you do not meet the minimum funding requirement in a calendar month, a charge of £2 will be applied to the account in the following month. The charge will be applied for every calendar month that the minimum funding requirement is not met. The charge will not be applied if the average balance of your account during a calendar month is £1,000 or above and your account has remained in credit. Further details of this charge can be found in the ‘Account Funding’ section of our Current Accounts leaflet.
    4. The Cumberland does not charge you to use your Cumberland card but the provider of a cash machine or a retailer may apply a charge.
    5. In the case of joint accounts, all account holders must be over 18 for a cheque book to be issued. The £5 charge for a cheque book will not apply if the account holder also holds a current account which requires funding of £750 or more per month.
    6. Internet Banking is a requirement for all new accounts where all applicants are under 24.
    7. Effective Annual Rate (EAR) is the actual annual rate of an arranged overdraft. It does not take into account other fees and charges.
    8. Gross interest is the contractual rate of interest payable (without deduction of tax) and you will be responsible for paying any tax you owe on interest as per your individual personal savings allowance.
    9. Annual Equivalent Rate (AER) illustrates what the interest rate would be if interest was paid and added each year.
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Your eligible deposits with Cumberland Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk.