Creating better futures
Cambridge & Counties Bank is a unique partnership between two established and respected institutions – Trinity Hall, Cambridge and Cambridgeshire Local Government Pension Fund.
We are banking specialists for small to medium enterprises (SMEs) within the UK and are dedicated to helping businesses of this type grow, consistently providing quality banking services and support.
In today’s climate, we recognise that their success is crucial to the success of our economy as a whole. It is our aim to provide them with responsible business lending, expert knowledge and a safe home for their money.
Growing business together
Cambridge & Counties Bank works in mutual partnership with SMEs to build strong relationships and fully understand your business needs. We offer a range of competitive products that suit SME needs and give answers swiftly enough to make a real difference to your business. We are dedicated and committed to helping businesses to grow, which makes Cambridge & Counties Bank the ideal business partner.
Contact details:
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Contents Page
1. Online Account Access 2. Paying In
3. Withdrawing 4. Interest 5. Statements 6. Balance Enquiries 7. Changing Your Details 8. Closing Your Account 9. Complaints
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1. Online Account Access
To access your account online, visit www.ccbank.co.uk and select the ‘View My Account’ option from the top navigation bar. From here you can register as a new user or log in once registered.
This facility enables you to view your balance and transactions and send us secure messages.
2. Paying In
Once your account is opened with your initial deposit, no further deposits can be made into your Bond.
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3. Withdrawing
No withdrawals can be made during the term of the Bond. We will typically write to you a minimum of 14 days prior to maturity to advise you of the options open to you. If we do not receive any instructions from you before the term has expired, your account will become easy access and withdrawals can be made at any time. To withdraw, once your bond has matured, a ‘Withdrawal Request’ must be completed and returned to us. A copy of this form is available on our website at www.ccbank.co.uk. Alternatively, email us at savings@ccbank.co.uk or call us on 0344 225 3939 and we’ll send you a supply. All sections of the form must be completed and then an authorised signatory (as per your original application form) must sign the form. Any one of the signatories can sign—not all signatories need to sign. The form can be returned to us by post to our Charnwood Court address, by email at savings@ccbank.co.uk or by fax on 0116 254 4637.
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4. Interest
Interest is paid annually on the anniversary of your Bond opening and can be paid either Gross or Net according to the tax status of your organisation and is subject to change.
i) Earning interest
Cheques received will start earning interest from the second working day after the day of receipt, so a cheque received and banked by us on a Monday starts earning interest from Wednesday.
ii) Changing tax status
If you need to change the tax status of your account between net and gross interest, please write to us at our Charnwood Court address or email us from the nominated email address, at savings@ccbank.co.uk with details of the change.
iii) Interest payment
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5. Statements
Statements are issued annually, or in the case of a 1 Year Bond, on maturity.
6. Balance Enquiries
Your balance can be viewed via our online access facility which is available on our website, see Section 1–Online Account Access.
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7. Changing Your Details
i) Business addressPlease write to us including your account name and number, together with previous and new addresses. Please also confirm if this is a change to your correspondence address, registered office or both. The letter must be signed by one of the signatories to the account as originally provided by you. ii) Your personal address
Please send us a signed letter stating both your previous and new addresses. iii) Your name
Please send us a marriage certificate or deed of change of name, along with a letter with your old and new signatures.
iv) Your company email address
Please send us an email from your current business email address stating the new address to be used. If your old email account is unavailable, please send us a letter signed by an account signatory stating both the new and old addresses. We will send confirmation to both email addresses for your peace of mind.
v) Account signatories
To change who can sign on the account, please complete a “Signatory Amendment Form”. This form is available on our website, in the “Existing Customers” section or call us on 0344 225 3939 and we’ll post you a copy. This form must be signed by the authorised officials of the organisation as shown on your original application.
vi) Nominated current account
To change the nominated business current account, please write to us with details of your new current account and include supporting evidence such as a letter from your bank, statement or a void cheque for the new account. This letter must be signed by the authorised officials as shown on your original application.
8. Closing Your Account
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9. Complaints
We always work hard to provide great service to our customers, so if you have an issue you would like to raise, we’d like to know so that we can try to resolve the situation as quickly and efficiently as possible.
Please telephone us on 0344 225 3939 or email complaints@ccbank.co.uk. Alternatively, you can write to us at:
Complaints
Cambridge & Counties Bank Charnwood Court
New Walk Leicester LE1 6TE
Please include your name, address, contact phone number and account number. We’ll do all we can to handle your complaint and will write to you within five working days to tell you what we’ve done to resolve the problem or to let you know when you can expect a full response. We’ll also let you know the name and contact details of the person dealing with your case. If we haven’t issued our ‘final response’ within eight weeks from the date you first raised your complaint, or if you’re dissatisfied with our response, if you are “eligible” (see below) you can ask the Financial Ombudsman Service (FOS) for an independent review. You must do this within 6 months of the date of the final response letter.
The Financial Ombudsman Service will only consider your complaint once you’ve tried to resolve the issue with us, so please contact us first and we’ll do all we can to help. For a complaint to be FOS “eligible”, the complainant has to be:
• a private individual, or
• a business with less than 10 employees and has a turnover or annual balance sheet that does not exceed €2 million at the time of the complaint, or
• a charity which has an annual income of less than £1,000,000 at the time of the complaint, or
• a trust which has net assets of less than £1,000,000 at the time of complaint. Financial Ombudsman Service
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10. Financial Services Compensation
Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors, including individuals and businesses, are covered by the scheme.
For the current level of cover and further details including the FSCS information sheet and exclusion list visit our website at www.ccbank.co.uk/fscs
Contact details:
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CB01
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Registered Office:
42 Castle Street, Cambridge, CB3 0AJ United Kingdom
Company Registration No: 07972522 Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Financial Services Register No: 579415
Tel: 0344 225 3939 Fax: 0116 254 4637
e-mail: savings@ccbank.co.uk www.ccbank.co.uk
Cambridge & Counties Bank Limited Charnwood Court
New Walk Leicester LE1 6TE
