With the Local Housing Allowance, benefit payments are made direct to you - the customer. In order to receive your payments, you will need to set up a bank or building society account.

Opening a bank account may be easier than you think. For a basic account most banks do not need to do a credit check. The Government has made it clear that basic bank accounts should be available to everyone, even those with a poor credit history.

What are the advantages of having a bank account?

• Have your benefits paid straight into your account.
• Avoid delays – getting your housing benefit paid directly into your bank account is much quicker than a posted cheque.
• Avoid rent arrears and pay your rent on time by setting up a Standing Order to your landlord.
• Budgeting is made easier - pay your bills on time by Direct Debit.

How do I open an account?

Most accounts can be opened ‘in branch’ when you supply the necessary identification. Some may require you to fill in an application form that will be processed within 8-10 days. The bank will be able to help you with the application. If you think you will have difficulty in satisfying the identification requirements, the bank will be able to offer you more help and advice on what they will accept.

Your application may be declined if you have a history of fraud or are an ‘un-discharged’ bankrupt. Please contact the bank for further advice.

Which Banks or Building Societies should I contact?

Bath & North East Somerset Council are not qualified to give financial advice on which account is best for you. This information is only a general guide to what ‘basic bank and building society accounts’ are currently available.You will need to contact individual organisations direct for more information and advice.

The leaflet we have produced (available on the right under Related Documents) details all the local Banks & Building Societies and the details of their basic accounts.

Setting up a Direct Debit or Standing Order

It is very important to note that if you set up a Direct Debit/Standing Order to pay your rent or a bill, you must ensure that you have sufficient funds in your account. A will charge be made by your bank/building society if a direct debit/standing order is unpaid. information.

The bank will provide you with detailed information on any relevant bank charges