Current Accounts - Diamond Trust Credit Union

Current Account

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Personal Current Account

A current account that meets your needs – and fits your values. With Triodos, your money makes a positive impact on people’s lives, protects the planet, and builds stronger communities.

Our different approach to banking means your money works harder - changing lives, protecting the environment and building strong communities.

Apply for an interest free arranged overdraft up to $500. Overdrafts including interest free amounts, are subject to application, financial circumstances and borrowing history.
If you apply for a higher limit, we will charge you 35.0% annual rate of interest (variable) on any balance exceeding your interest free limit, up to your arranged overdraft limit.

Access exclusive products

As a Premier customer, you can apply for exclusive Premier mortgages, loans and savings accounts.

Fee-free international payments online

We won’t charge you fees when you send an international payment online or in our app. Fees for payments sent from a branch start at $15. The recipient’s bank may still charge a fee, depending on its location.

General information about overdrafts

An overdraft limit is a borrowing facility which allows you to borrow money through your current account.
There are two types of overdraft - arranged and unarranged.

An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any interest free limit you may have.

An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility.

You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. We will always attempt to return any transaction that could take your account into an unarranged overdraft position. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.

On very rare occasions we may be unable to return a payment (e.g. due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. No additional charges will be applied in this situation.

Information regarding the conduct of your account may be sent to credit reference agencies. As with any debt or borrowing, this may affect your ability to get credit in the future.