Commercial Banking

Helping your business with a responsible and customer-led Relationship Banking Service.

Our commercial banking customers include a wide cross section of businesses and organisations across a broad range of sectors, who have a turnover typically above £2 million per annum or have borrowing needs above £250,000.


  • Direct access to a relationship manager

  • Personal and responsive service

  • Flexible, proactive and fast decision-making

  • Invested and engaged with you and your business goals

  • Regular telephone and face-to-face contact

  • Dedicated Relationship Account Support Team who provide telephone support for your everyday banking needs

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Commercial Banking Centres

To locate a Relationship Manager or the best team to support you, take a look at our Commercial Banking Centres and contact us page. 


Charities and Co-operatives

Our values are strongly aligned to the registered charity, co-operative and social enterprise sectors. 

Our Community Directplus account benefits from free day-to-day banking, providing you do not exceed any of the following annual limits:

  • Credit turnover exceeds £1 million
  • Deposit more than £100,000 in cash
  • Deposit more than 5,000 cheques

If your annual turnover is typically more than £2m, our dedicated relationship managers can provide a tailored service to support your organisation.

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We have various products that could help to service your organisations needs and day to day banking requirements.

Consider our:

  • Current accounts
  • Lending and finance
  • Savings accounts
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FD Online

FD Online is an online banking service which allows customers to customise access and supports complex payment needs.

You'll benefit from:

  • Non-signatory users
  • Bulk BACS
  • Complex secondary payment approval
  • Administrator controlled user access

Read our Annual Performance Results for 2022 in full below