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Useful information

Electronic statements - Your online statement explained

The simple, convenient and secure way of accessing your accounts online - anytime, anywhere.

Your statement is a record of all money going into and coming out of your account over a period of time. You can access your statements online via Anytime Internet Banking, via our Mobile Banking app or on paper.

Your statement will show your balance at a given time and the money you have available to take out of the account.


What's on a statement?


Going out (debits):


Payments made by using your debit card in a shop

Your available funds are usually decreased by the amount of your purchase but there won't be any immediate impact on your balance and you won't be able to see the transaction on your statement.

Retailers can take up to 4 days to claim the funds from your account and your balance is reduced thereafter.

On Anytime Internet Banking the transaction will appear as "Debit Card Transaction" within your Account Summary mini-statement.

More information - the last four digits of your card number, the date of the transaction and the name of the retailer is usually shown within your full statement on the Anytime Banking online service. You can also see more information on the Anytime Account Summary page as a tool tip when you hover your mouse over a transaction.

Regular payments such as Direct Debits and Standing Orders

When a standing order or Direct Debit is claimed from your account, your balance and available funds will be reduced by the amount of the claim.

For example, if your regular payment is due to be paid on a Monday, your balance and available funds are usually reduced by the amount of the transaction on the previous Saturday morning.

On Anytime Internet Banking the transaction will appear as "Standing order" or "Direct debit" on your Account Summary mini-statement.

More information is shown in your full statement within the service e.g. JOHN SMITH CLEANING, 26/06/12 30, 33041853145939000R.

Online banking payments

If you make a one-off, online payment via Anytime Banking to another person or a company, your balance and available balance are usually updated instantly. Your payment will usually reach the recipient next day if you have sent the payment before 3.30pm.

If the payment is made after 3:30pm, it will be automatically scheduled to send the next working day, usually reaching the recipient the day after it's sent. Your balance and available balance are usually reduced immediately, and the date the payment is sent will show on your statement.

If you are making a payment to another Ulster Bank account your balance and available balance will update instantly and the payment will reach the recipient immediately.

Payments made from Anytime banking will normally appear on your statement as "CALL REF.NO.XXXX" where XXXX is a unique number that identifies your online banking session. Once our systems complete their processing - a full description will be displayed on your statement as well as the original call reference number.


Coming in (credits):


Your salary

Most salary payments are made automatically and usually appear in your account along side a reference from your employer.

Funds paid in at a branch counter

If you pay in cash, it is immediately reflected in your balance and available funds. This will appear as a "Teller transaction" on your mini-statement. The sort code of the branch you used will also be displayed in full online statements on the following business day.

If you pay in a cheque, it will appear in your balance on the following day but your available funds are not increased until the cheque is cleared. This usually takes 3 days. (if you are paying in an Ulster Bank cheque to your Ulster Bank account it will clear more quickly).

Cheques can be returned unpaid, so you should allow at least four full working days before you use money from a cheque you've paid in. In some cases, because cheques may still come back unpaid after this time, it may take up to five working days for a cheque to clear and postal delays can extend this period further.

Payments

The majority of payments will normally be processed without delay. However, transactions considered unusual to the normal operation of your account will be referred for further investigation. If this occurs the payment will not be sent until the investigation has been completed.

Statement references

A reference is placed against most transactions on your statement. These references help identify what sort of transaction is showing on your statement.

View a list of common statement references and what they mean

A reference is placed against most transactions shown on your statement.

These are the most common references you are likely to see along with an explanation of what they mean.

What's displayed What it stands for What it means
ATM Automated Teller (Cash) Machine A cash dispenser or cash machine transaction
BAC Automated Credit Deposit cash or cheque over the branch counter with your pay in book
BGC Bank Giro Credit Deposit cash or cheque over the branch counter with your pay in book
BSP Branch Single Payment Bill or third party payment made within branch
CDM Cash & Deposit Machine Cash & Deposit Machine's are advanced ATMs which can be used to process pay-ins, bill payment sand withdrawals, as well as cash withdrawals
CHG Charge fees debited against your account
CHP Payment by CHAPS transfer Electronic transfer for large payments between accounts sent and received on the same day i.e. mortgage settlement
CHQ Payment by CHAPS transfer Electronic transfer for large payments between accounts sent and received on the same day i.e. mortgage settlement
CHQ Cheque A document that orders the payment of money from a bank account to another person or organisation
CUI Centralised Unpaid In (Unpaid Cheque) Transaction on your account which relates to an unpaid cheque
D/D Direct Debit A regular payment of a variable amount from your account to a third party or company
DIV Dividend An electronic credit to your account from shares held by you
DR Account Overdrawn or Debit Item An indicator on your statement to show that your balance is less than zero
DWP Department for Work and Pensions Deposit into your account by the Department for Work and Pensions
ERTF Exchange Rate Transaction Fee - Debit related to the use of your debit card at an ATM or POS outside the Republic of Ireland.
IBP Inter-Branch Payment Transfer of money between accounts at different branches
INT Interest or debit on your account associated to interest earned or incurred on your balance
ITL International Transfer of money from your account to an account outside the Republic of Ireland
NDC Non Dividend Counterfoil A credit to your account from shares held by you
OTR Online Banking Transaction Transaction carried out by using Online Banking
POS Point of Sale/Debit Card Transaction A purchase made with your debit card e.g. within a retailer or online
S/O Standing Order A regular payment of a fixed amount from your account to another account, a third party or company
SBT Screen Based Transaction A transaction processed by the branch on your behalf
TSU Telephone Banking A transaction carried out using telephone banking
TFR Transfer Transfer of money between accounts
TLR Teller Transaction A transaction carried out using branch banking

If you make a payment or transfer via online or telephone banking you will see a unique 'call reference' on your statement next to the transaction.

More information on call references

If you make a payment or transfer using online or telephone banking a unique CALL REF.NO.XXXX is assigned to all the transactions made during that session.

When an Anytime Internet or Telephone Banking transaction is initially debited from your account the call reference number will show as the transaction description on your statement. Once our systems complete processing of the transaction a full description will be displayed on your statement as well as the call reference number. The full description for these transactions is normally available by the next working day.

You may notice some call ref numbers showing as 0000, the CALL REF.NO. 0000 is a Transfer/Payment made using our mobile banking app.

Online and Mobile Banking app statements

How statements are shown online may differ slightly to those in our Mobile Banking app - in general more information is presented in the online version.

Your 'statement' in our Mobile Banking app shows the last 6 transactions for each account.

In Anytime Internet Banking you can also see this 'mini statement' view as well as being able to see and search statements and transactions going back up to 7 years.

The mini-statement shown on the Account Summary page of Anytime Internet Banking displays the last 6 transactions on your account. Each transaction has a basic description against it to give you an indication of what the transaction was for.

You can however see a full description of the transactions by viewing your bank statement. To view your statement you can either select the 'View full statement' button under your mini-statement or by selecting 'Statements' from the main menu followed by 'View transactions'.

Top Tip: If you hover your mouse cursor over the transaction on your mini-statement a more complete description will be displayed as a tool tip if it's available.

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