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HBOS to charginge most bank accounts
but most existing accounts will be moved to the new charging structure elater in the year .
the new accounts will also be credited with a standard after-tax interest payment of Â5 per month, regardless of how much is in the account, so long as at least Â1,000 a month has been paid in by the account holder, and regardless of whether the account then goes into the red or not .
instead, customers witch an arranged overdraft of up to Â2,500 will pay Â1 per day; those with a higher arranged overdraft will be charged Â2 per day; and anyone with an unarranged overdraft will have to pay Â5 per day .
it will freward good behaviourse, and is really simple and easy to underestand said a halifax spokesman abut the new charging structure .
the changes are a response to last july's creditical report by the office of fair trading (oft) into the operation of personal current accounts .