For a Graduate Current Account:

• Maintain your current account balance within account limits and avoid unpaid charges, overlimit item charges and interest surcharges. If you don't have enough money in your account to pay outstanding cheques, direct debits or standing orders, talk to your branch in advance about arranging an overdraft or increasing your overdraft limit
• If you have an agreed overdraft¹, check your account regularly to ensure the balance reverts to credit for at least 30 days each year from the date the overdraft is received, in order to avoid interest surcharges. Using Bank of Ireland 365 phone and online services is an easy way to check your balance
• Keep your statements carefully and record details of cheques on your cheque book stub. Copies are costly to provide and are charged for accordingly. Alternatively, use 365 online to select, view and print all transactions (or specific types of transaction eg all lodgements, all ATM withdrawals, etc) on your account for the previous twelve months.

Read our brochure "Schedule of fees and charges for personal customers" (PDF, 252KB) for the full list of fees and charges, including Government Duty, that apply to your current account. The Schedule of Fees and Charges brochure is also available in your local branch

With over 1,100 Bank of Ireland ATMs nationwide, you have easy and convenient access to your cash whenever you need it. You can also withdraw cash from other ATMs.

ith most Bank of Ireland ATMs you can:

• Check your account balance
• Order a statement
• Pay most regular bills - this service is available to Republic of Ireland customers with a valid Bank of Ireland ATM PIN. To register for the service simply call us on 1890 365 365
• Change your PIN
• Top up call credit on your mobile phone

Bank of Ireland is the only bank in Ireland that offers an ATM bill payment service, allowing you to pay the following bills*:

• ESB
• Eircom
• Bord Gáis
• Vodafone
• NTL
• O2
• Chorus
• Bank of Ireland MasterCard
• Bank of Ireland VISA
• American Express

* Subject to account balance, certain limits apply. Terms and conditions apply to the use of Bank of Ireland 365 online services.

If your card is lost or stolen, or used in an unauthorised or irregular manner, contact your branch immediately or telephone 1850 333 333 (if abroad, call +353 1 400 5050)

Bank of Ireland phone allows you to do your banking by phone - just call 1890 365 365.

It offers the convenience of day-to-day banking 24 hours a day, 365 days a year - so you can bank at a time and place that suits you.

It's easy, convenient and secure. You can:

• Check your balance
• Find out about your recent transactions
• Pay a bill or transfer funds between Bank of Ireland accounts or to third-party accounts (subject to account balance, certain limits apply)
• Add a new beneficiary for payments
• Get a statement
• Check standing orders
• Check or cancel direct debits
• Check your credit card balance and transactions
• Re-issue / cancel cards and PINs
• Stop payment on a cheque
• Order interest or balance certificates
• Make an inquiry about foreign exchange rates
• Apply for a loan, mortgage or credit card
• Change your 365 PIN

There are three simple steps to get started:

• Step 1 - Register: Simply call 1890 365 365 and we will register you
• Step 2 - Validate PIN: We will send you your six-digit PIN. Validate your PIN with Bank of Ireland 365 Customer Service by calling 1890 365 365 and pressing the ? key on your phone
• Step 3 - Start: Once you've validated your 365 PIN you can use the service immediately

Our customer service agents are available from 8am to midnight, Monday to Friday (excluding bank/public holidays), and 10am to 2pm on Saturdays.

Just phone 1890 365 365 and follow our self-service menu.

If you forget your 365 PIN, simply call 1890 365 365 during customer service agent assisted hours and we will issue you with a new one. When you receive your new 365 PIN, you will need to call us again to validate it.

Please note: You cannot use 365 phone or online services until your new 365 PIN is validated.

For security reasons, do not write down your PIN or Online User ID or disclose this information to anyone.

Banking 365 phone charges

1890 365 365 is a LoCall number and local call charges apply.

If you are calling from outside the Republic of Ireland, the number is +353 1 404 4000, and international call rates apply.

If you have a joint account and both account holders wish to access the Bank of Ireland 365 phone and online services, each of you must apply separately.

Bank of Ireland 365 online offers access to your personal Bank of Ireland accounts online. You can manage your account any time, day or night, at home, at work, or even when abroad.

Check out our online demo on www.365online.com to see how easy it is.

What you can do on Bank of Ireland 365 online
Three steps to get banking online
Important security message

What you can do on Bank of Ireland 365 online

• Check your balance and transactions
• Pay credit card, ESB, Eircom, Bord Gáis and other bills
• Transfer money to and from your own accounts or to other designated accounts
• Customise a statement to your needs
• View your standing orders and payments pending
• Apply for a loan, credit card, overdraft or mortgage
• View or cancel direct debits
• Register and view new and existing Bank of Ireland accounts, such as mortgage and savings accounts
• Set up future dated payments, for example when you're on holidays

If you are not banking online yet, try our 365 online demo and see how easy and convenient it really is.

Terms and conditions apply to Bank of Ireland 365 phone and online. Subject to account balance, certain limits apply.

• Step 1 - Register: Call 1890 365 365 and we'll set it up for you
• Step 2 - Validate PIN: We will send you your six-digit PIN. Validate your 365 PIN with Bank of Ireland 365 Customer Service by phoning 1890 365 365 and pressing the * key on your phone
• Step 3 - Start: Once you have validated your 365 PIN we will provide you with your 365 online User ID and you can then access the service immediately

We never ask you for your full personal login information such as online User ID, full six-digit PIN and personal password information (either over the phone or online) in an unsolicited manner.