• Interest-free overdraft - 0% EAR, while you have a Graduate account*
• Up to £5,000 Graduate loan - Lending criteria, terms and conditions apply**
• Cards available - click for details
• Fee-free banking on standard transactions.***
• Access to your account 24 hours a day. with telephone, online and mobile phone banking. Subject to terms and conditions, available on request from any branch. ****

Graduate account is available if you graduated in the past 12 months (and your course lasted at least two years). The graduate package is valid for 12 months. In July after the end of this 12-month period, we will change your account to a Current Plus Account (depending on the terms and conditions of the account). We will write to you 60 days before doing this.

Credit is available to over 18s only, depending on your circumstances, terms and conditions apply.

* Overdraft is repayable on demand. The overdraft facility may not be exceeded without the prior permission of Ulster Bank. If you exceed your overdraft limit, surcharge interest in addition to debit interest will be applied on any amount over the authorised limit, other charges may also apply. Please see our booklet "A Guide to Personal Accounts Fees and Interest" (PDF) for details.

** You must begin to repay the loan within 12 months of graduating and finish paying it off within five years. You can delay the repayment for up to two years if you are going on to further studies.

*** Charges for additional services apply. Please see our brochure "A Guide to Personal Account Fees and Interest" (PDF), available in branch or our website www.ulsterbank.co.uk

**** Ulster Bank Mobile Phone Banking and Text Services are currently free of charge to all personal customers. Data Charges may apply on the Orange & Virgin Networks for anytime mobile phone banking.
Mobile Phone Banking and Text Services are provided in association with Monitise Europe Limited. Mobile Money™ is a service which is delivered by Monitise Europe Limited.