An everyday account with a debit card, savings and fair loans
We plan to offer a basic everyday account with a contactless Visa debit card for your wages, benefits and bills, alongside savings and affordable loans. We'll start simple and grow with our members. Rates and terms will be set once we're authorised, and members will help decide what comes next.
Everyday account with debit card
A simple account for your wages, benefits and bills, with a contactless Visa debit card. No overdraft, so you can't go into debt by accident.
- Get paid into it, and set up direct debits and standing orders
- Pay by card in shops and online, and take cash out at cash machines
- Send money to any UK bank account with Faster Payments
- Open even if your credit history isn't perfect
Savings account
Save as little or as much as you like, from £1 a week. Pay in at the branch, online or straight from your wages.
- Any surplus shared with savers as a dividend, voted on by members
- Protected by the FSCS up to £120,000 per person once we're authorised
- Your savings help fund fair loans for your neighbours
Junior savers
Help children build good money habits early. Accounts for under-16s, opened by a parent or guardian.
- Small, regular saving made easy
- Money-skills sessions for young members
Personal loans
Affordable loans for the things life throws at you: bills, a car, home repairs or a family event.
- Clear rates with no hidden fees and no penalty for paying early
- We look at you as a person, not just a credit score
- A real alternative to payday lenders and doorstep loans
Payroll saving
Members can save or repay loans straight from their pay. It's free for employers to offer and a simple staff benefit.
- Set up with local employers and organisations
- Saving happens automatically each payday
Money help
Free money-skills workshops at our community table, plus friendly support if you're struggling to keep up with payments.
- Budgeting and saving workshops
- Free credit score checks, with tips to improve yours
- Signposting to free, independent debt advice
Ways to bank with us
Use your account however suits you.
- Our branch in Birmingham city centre
- Online banking and a mobile app
- By phone with our local team
£10 to join
When we open, you'll pay £10 to become a member. That buys your membership share, makes you a part-owner and gives you one vote. We're not taking any money yet.