Shropshire Council

Do I need a bank account?

WalletYes. It's a requirement that your direct payment is paid into a separate bank account that isn’t used for any other payments. The only exception is if the direct payment is a one-off payment which can be paid into an existing account. A separate direct payment account also makes it easier for you to send us your bank statements showing how the money is being used.

You can open a new account, or maybe you have an existing account that you could use if it's empty and not being used for anything else. You can choose whether to use a high street bank current account or a Just Credit Union direct payment account. 

The benefits of each type of account are shown below: 

Services High Street bank  Just Credit Union 

Provide statements 

Monthly/online Annually or when requested

Card/BACS payment facility 

Yes - both No - only pay invoices

Share monitoring information with the council 

No Yes

Take responsibility for making payments  

No Yes

Work with your payroll provider  

No Yes

Able to use flexibly  

Yes Yes

Take a look at this Video from Just Credit Union explaining their direct payment bank accounts: