Elective and Intercalated Documents These are the most up to date versions of these documents. Contract Documents Guide to personal banking (NI) Personal current account terms and conditions Personal current account charges explained Overdraft brochure UK Overdraft Terms and Conditions: valid from 19 January 2023 (NI) Our Rates and Service Charges Rates and products guide Schedule of service charges for personal customers Privacy Notice BOI UK Privacy Notice Deposit Guarantee Scheme Deposit Guarantee Scheme Other useful documents Smarter banking Using our bank services at Post Office