Advantages: Easy way to keep track of finances Disadvantages: Can be slow at times
successfully logged in it will immediately take you to a 'customer communication' page. This is where any security alerts that you need to read will pop up on the screen then once you click 'proceed to internet banking' you will be at your account overview screen. This is where you can check your balance, make bill payments, transfer money, set up standing orders, print statements & if necessary make ammendments to direct debits. All of this is very easily done as Lloyds gives you clear concise instructions.
On your account overview screen you will see a left hand column, this is where you can apply for things like loans & mortgages. You can even set up your mobile services which is basically where you can receive text messages informing you of your current balance on a certain day & time of every week. This is free but if you require the entire ...
Advantages: easy to use, clear information, quick to load, easy to apply for new products Disadvantages: none
rectified by calling Lloyds TSB (who answered very promptly) and answering security questions and this was reset within an hour.
The home screen is really easy to use. You can see all of your accounts in one place, together with their balances and anydetails of overdrafts etc. You can then click on the view statement button by the side of each account and gain access to transaction histories. It's very helpful for me to track my finances in this way and has allowed me to 'go green' and stop receiving paper statements.
It's also really easy to set up standing orders and make payments. All you need to do is set up the bank account details and re-enter your password. I havefound transferring moneyin this way to be quite slow with Lloyds compared to other accounts I hold though. When I do this with other accounts, the money is there ...
Advantages: good, clear website. reasonable rates and charges Disadvantages: Poor support, no communication between departments, worrying security lapses
Having banked with LLoyds for 27 years, I am now seriously considering whether to move my money elsewhere. Post "credit crunch" , the powers at LTSB clearly thought that, instead of looking at their own failings, they would respond to the financial crisis by shedding thousands of experienced staff doing the day-to-day admin of the bank, relying on cheaper costing minions who frankly haven`t a clue instead.
In the last few weeks, LTSB have "lost" long-standing direct debits , failing to provide an explanation as to what had actually happened. (this included the one that paid off my LTSB credit card bill, with the bank charging me a late-payment fee - because I "failed to clear my bill" - ridiculous).
More worryingly, I also received a text from them, telling me that my debit card had been used fraudulently abroad,and was told that ...
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