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We’re introducing an NHS and emergency services banking hour, from 6-7pm every day. We’d ask that customers avoid calling us for their routine banking needs during this time.

Glossary

Access to Funds Scheme

This is an arrangement that will allow an individual, individuals or an organisation to access your funds to pay for your day-to-day living expenses and any debts due when you are no longer capable of accessing them yourself.

Attorney

A person/people appointed to look after the finances/property and affairs/health and welfare of another person.

Certified copy

A photocopy of a power of attorney document which bears a certificate signed by an authorised person (e.g. the donor, a solicitor, a notary public) at the end of each page to confirm that it is a true and complete copy of the original.

Court of Protection Order

The Court of Protection protects the rights of people who do not have mental capacity. If a person (or donor) were to lose their mental capacity without having made, or being capable of making, a power of attorney arrangement, the Court of Protection can decide who can handle their affairs. A court order will set out what decisions the deputy (normally a family member or close friend) can make on their behalf (for example, it might say that decisions can only be made about the donor’s pension or mortgage).

Deed of revocation

A formal document which may be used to cancel a power of attorney.

Deputy

A deputy is appointed by the Court of Protection to handle the day-to-day running of a person's finances and property.

Donor

An individual who wishes to give another person/people the authority to act or make decisions on their behalf.

'Jointly'

If there are multiple attorneys appointed, this means that all of the attorneys must act together at all times.

'Jointly and Severally'

If there are multiple attorneys appointed, this means that the attorneys can either act individually or together.

Notary Public

A Notary Public (or notary) is a qualified lawyer, a member of the third and oldest branch of the legal profession in England and Wales. Notaries are appointed by the Court of Faculties of the Archbishop of Canterbury and are subject to regulation by the Master of the Faculties.

Stockbroker

A stockbroker is a regulated professional individual, usually associated with a brokerage firm or broker-dealer, who buys and sells stocks and other securities for both retail and institutional clients through a stock exchange or over the counter in return for a fee or commission.

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