Advantages Ability to check account whenever you like
Disadvantages A lot of view only areas
|Efficiency of service|
|Competitiveness of charges/rates|
|Staff courtesy||Not Applicable|
|Promptness of service||Good|
|Online - Content/organization of site||Good|
|Online - Reliability/speed of site||Good|
|Online - Ease of applying for products||Excellent|
I am a customer of Lloyds TSB and I like to check my account most days to ensure the credits and debits are correct as I have had some past problems, so needless to say I was pretty pleased when they introduced internet banking, as previously I was using the automated phonebank, and I always like to see facts in figures in front of me, so the internet is a preferable option.The website address is www.lloydstsb.com, or www.lloydstsb.co.uk, and you log in or register from the home page for either personal or business banking.
To log onto your account you enter your user ID and password and off you go.The first page that comes up shows the account(s) that you hold, the account number and sort code and the present balance and you just click on whichever one you want.
Then you are taken to a page which has the following options:ACCOUNT LIST: Duplicates the account details seen on the 1st page.
ACCOUNT DETAIL: Shows account balance and available funds, and the amount of any overdraft you may or may not have.STATEMENT: Shows all credits and debits, and this is where you can print off your own mini statement. I have started to doing this and keeping them for my own records, as once a new statement page is started on screen, you cannot go to the previous page.
MAKING A PAYMENT: You need to choose ARRANGEMENTS in order to set up or delete a bill payment or pay a bill whose details are held on your account. PAYMENTS DUE will tell you when any of these are due.STANDING ORDERS: View or amend standing order details.
DIRECT DEBIT: View direct debitsMostly view only, and you cannot order a chequebook online or cancel direct debits, so you will still find the need to use the branch a lot.
You can also get a home or motor insurance quote on this site, and an extra feature means that when you log out of your account there is a link which takes you to Amazon.co.uk, and a special offer of chart CD's for £8.99 especially for LloydsTSB customers.
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