![]() ![]() It’s easy to open and maintain an account. This account also offers helpful online and mobile features for day-to-day money management: You can manage your debit card, set up auto-pay for bills and pay friends and family, all from your account dashboard. There are five rewards tiers, each of which increases your earning potential after you meet certain transaction or direct deposit qualifications within a statement cycle (see Details).īeyond interest earnings, account holders have access to surcharge-free ATM withdrawals at approximately 91,000 ATMs across the country and the bank offers unlimited domestic ATM fee reimbursement. But you’ll have to jump through some hoops to earn the full APY. Balances above $50,000 do not earn interest-a very competitive rate among checking accounts. You can find out more about Royal Bank of Scotland banknotes on the Royal Bank of Scotland website.This is the second year in a row that Axos’ tiered interest rate Rewards Checking account has been on our list. Commemorative banknotes issued for special events are not included in these ‘tutorials’ but you can find out about them by visiting the website pages on “Current banknotes” here on the Scottish Banks website. These ‘tutorials’ show in detail the different standard banknotes issued by the Royal Bank of Scotland, Bank of Scotland and Clydesdale Bank. The Scottish Banks worked together with The Committee of Scottish Bankers to produce banknote ‘tutorials’ that can be accessed on the Scottish Banks website. You can find out about Bank of England banknotes on the Bank of England’s website, and Northern Irish banknotes on the website of the Association of Commercial Banknote Issuers. Additional Educational Material available: If you have a banknote that you believe to be counterfeit, and you know for sure who gave you the note, you should take it immediately to the police for investigation. What to do if you find yourself in possession of a counterfeit banknote: The Bank will then authenticate the banknote before forwarding all counterfeits to the National Crime Agency for analysis.Ĭounterfeit banknotes are worthless therefore no reimbursement will be given unless the banknote submitted is subsequently found to be genuine. The bank will complete a "Retention of Counterfeit Currency Form" and give you a copy for your records. If you do not know who gave you the banknote you are required to take it to any local branch of the affected bank of issue. Genuine banknotes are dull under a UV light with only the special UV features present in the note highlighted yellow. We recommend that you mark a suspect banknote diagonally from corner to corner. When applied detector pens leave a dark line on most counterfeit notes if the note is genuine the pen leaves no mark. If a genuine note bears a hologram the colours/images will change depending on the angle the note is held. Colours should be clear and distinct – not hazy. Lines and print should be sharp and well defined with no blurred edges. Raised print is used in some of the features on genuine banknotes and should feel slightly rough to the touch. Genuine notes have a metallic thread embedded in the paper and when the note is held up to the light the thread appears as a bold continuous line. Genuine watermarks should be hardly apparent until the note is held up to the light when the clear portrait with subtle light and shade becomes visible. Genuine banknote paper should be reasonably crisp and not limp, waxy or shiny and the special printing processes give banknotes an individual feel. Genuine notes have unique serial numbers therefore if you have two notes displaying the same serial number at least one of them is a counterfeit. Instead check for as many as possible of the following: Serial Numbers Never rely on looking for only one feature – the feature you choose may be one the counterfeiters have attempted to replicate. We advise that when trying to authenticate a banknote, you should look for genuine security features, comparing a suspect note with one that is known to be genuine. ![]()
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