Right, er, if you want to draw out cash for yourself you can make the cheque payable in your own name or "to cash".

You can also withdraw cash from a cashpoint machine with a cashcard.

These are extremely useful as they enable you to withdraw cash from your account during the day or at night. Q18

There is also another card called Switch or Delta and you can use this to pay for things in shops.

It takes the money right out of your account, so you don't need QI9 your chequebook.

Now—you may want to take more money out of the bank than you have in it.

This is called having an overdraft. Be very careful with this you should not do this without permission from your bank.

Overdrafts usually incur charges though Q20 some banks offer interest-free overdrafts to some students.

But find out before you get one! Right?

Well, that just leaves opening times—when can you go?

Banks used to be open from 9.30 am until 3.30 pm from Monday to Friday but many main branches are now open until 4.30 or 5 pm on weekdays and some of the bigger branches in Q21 London and other major cities are now open for a limited time on Saturdays.

OK—any questions?