We will contact you two weeks before your bond matures to ask what you would like to do with the funds.

For online banking customers, we will also send you a text message to confirm your account is approaching maturity, and you can login to provide your instructions from that day onwards.

If you are not registered with us online, you can sign up here. We will send you your username and password by email. This will arrive in the form of a secure link. You will need to provide a few characters of your National Insurance number for security before being able to view the document. Please ensure you check your junk or spam folder in case our email arrives there.

Should you not provide instructions before your maturity date, we will automatically place your deposit into an easy access account at the bank’s prevailing rate, which will be notified to you. You can find the interest rate and useful product information in the product’s Key Features Document here.

For maturing ISA accounts, if we don’t hear from you, your funds will be placed in an instant access Cash ISA at the prevailing account interest rate. This account tracks the Bank of England base rate (currently 4.50%) minus two per cent.

The funds will retain their tax-free status within the ISA scheme while they are held in this ISA Call Account.

There are options available paying a higher rate of interest so please don’t delay in telling us what you would like to do when your deposit matures.

If you have registered for online banking, we will send you an SMS notification to let you know when you can give us your maturity instructions. Simply log in, select the account in question and then choose ‘Maturity Instructions’.

If you are not registered with us online, you can sign up here. We will send you your login details by email upon successful registration, where you will then be able to apply your instructions.

Alternatively, you can give us your instructions here. Please ensure you include your name, account number and the details of what you would like to do.

We will contact you two weeks before your Fixed Term Bond is due to mature, detailing the options available to you. If you do not hear from us, please contact us here.

The best way to avoid missing your maturity date is to register for our online banking service, allowing you more freedom on when to supply your instructions.

If we don’t hear from you, we will automatically place your deposit into an easy access account at the bank’s prevailing rate, which will be notified to you. You can find the interest rate and useful product information in the product’s Key Features document here.

For maturing ISA accounts, if we don’t hear from you, your funds will be placed in an instant access Cash ISA at the prevailing account interest rate. This account tracks the Bank of England base rate (currently 4.50%) minus two per cent. The funds will retain their tax-free status within the ISA scheme while they are held in this Call Account.

There are options available paying a higher rate of interest so please don’t delay in telling us what you would like to do when your deposit matures.

This is most likely because you did not let us know what you wanted to do with the funds prior to the original maturity date.

Should you wish to invest some or all of the funds into another fixed term, please login to your online banking and use the ‘New Application’ option to open your new account, and then send us a secure message to request us to transfer the desired amount across.

If you are not registered with us online, you can sign up here.

Yes. At maturity, should you wish to only reinvest part of your balance and have the rest returned to your nominated bank account, you can do so. Just remember, you need to keep at least the minimum balance of £5,000 in your United Trust Bank account for it to stay open.

Yes. At maturity, should you wish to split your balance over several different terms you can do so. Just remember, you need to deposit at least the minimum balance of £5,000 in each of the new accounts.