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Sometimes a balance given by a bank will include payments that have been made to your account, but are not yet available because they havenвЂ™t cleared. The amount of money you have in your account at a particular time.

Payments using BACS will usually take three to four working days to credit the beneficiary's account. The Bankers Automated Clearing Service (BACS) is a free service for making direct credits and debits. We will tell you the APR for your loan or credit card before you sign an agreement.

You can use it to compare different credit and loan offers. APRДЄPR stands for the Annual Percentage Rate of charge. If you use anti-virus software you should regularly download updates from your anti-virus software supplier.

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Anti-virus is only as effective as the last update so you should update your anti-virus signatures and software regularly. Antivirus softwareДЄnti-virus software will detect and delete viruses that attempt to get on to your computer. It shows what the interest rate would be if your interest was paid and compounded once each year. This means you can use the AER to compare accounts. Whenever you see an advert for a savings account which shows an interest rate, you will see the AER. AERДЄER stands for Annual Equivalent Rate. Also, it will only show when you use Internet Banking and won't show on your normal bank details, like statements.

If the account is a joint account and the other person is registered for Internet Banking they won't see the nickname as it's for your use only. The nickname can be any letters or numbers you choose up to 39 characters long. You can give your account a name that describes what you use it for, like 'Household Bills', 'Holiday Money' or 'Payments to Suppliers'. You can use Internet Banking to give any of your accounts a nickname.

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