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Start saving now to make Christmas extra special

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Save more, your way. Easily open a free extra savings account to organise and grow your money with flexibility.

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Why NCB?

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Save smarter with Payroll Plus

Join the free Payroll Plus scheme today and make your money work harder.

Keep Scrolling

Take Home More Than Just Your Pay

Build savings and access affordable loans, straight from your wage. With Payroll Plus, managing your money is simpler, smarter and stress-free. Join today and start shaping a stronger financial future, one payday at a time.

What Is Payroll Plus?

Payroll Plus is a free, confidential wage deduction scheme that lets you:

  • Save automatically from your salary
  • Repay loans easily through payroll
  • Avoid missed payments or manual transfers
  • It’s a simple, secure way to stay in control of your money, backed by local employers who care about your financial wellbeing.

Why Join Payroll Plus?

Whether you’re saving for Christmas, a rainy day or just want to feel more in control, Payroll Plus makes it easy.

No setup fees or charges

Save directly from your wage, you choose the amount

Loan repayments made automatically

No missed payments or budgeting stress

Our Money Matters section provides hints, tips and money management guidance

Accounts remain fully confidential, your employer only sees the deduction, not your balance

Easy to Use, Simple to Manage

You can manage your account anytime through our secure mobile App or online Account Area. You’ll be able to:

  • View your balances
  • Request 24/7 instant withdrawals
  • Loan calculator & simple application
  • Secure messaging
  • See recent transactions,
  • Access and view statements
  • Financial education

Bereavement Fund

The Northern Community Bank Bereavement Fund is an extra protection on savings and loans at no added cost to you. Not only does choosing to borrow and save with Northern Community Bank support your local communities, it also means your loved ones are supported should you die, through our Bereavement Fund. Like most things it’s subject to terms and condition. You can find out more information about the Bereavement Fund here:

Our bereavement fund means:

  • Your savings balances, plus additional fund value could go to the person that you name as beneficiary
  • Outstanding loans could also be cleared upon death

How It Works

Be eligible

Check your employer is part of the Payroll Plus scheme

Join online - choose how much you'd like to save

We arrange everything with your payroll department

Sit back and watch your savings grow

Save As You Borrow

If you have a loan, a small amount is set aside into a savings account as you repay, helping you build a financial cushion for the future. Once your loan is repaid, the savings are yours to keep.

Flexible Savings Accounts

Choose a savings option that suits your lifestyle:

Long-Term Savings

Build gradually over time

Find out more

Instant Access account

No restrictions, save and withdraw as needed

Find out more

Christmas Savings

Lock away funds until November/December

Find out more

You can also top up your savings any time, even if you're repaying a loan.

Northern Community Bank's Payroll Partners

If your employer is not on the list, please get in touch with a member of the team

  • AllScope Projects
  • Borough of Pendle
  • Burnley Borough Council
  • Burnley Leisure
  • Calico
  • Calico Acorn
  • Castles & Coasts
  • Cherrytree Bakery
  • Cumberland Council
  • Cumbria Recycling
  • Eden Housing Association
  • New Era
  • Pendle Polymer Engineering Ltd
  • Sovereign Group
  • Together Housing Association
  • Veka
  • Westhouse
  • Westmorland & Furness Council

Open a Payroll Plus account

Are you already a Northern Community Bank account holder?
This application is for savings, directly from your wages. Would you also like to apply for a loan?

Please provide your full address including house number or name, street details, town and postcode below.

Please provide your full address including house number or name, street details, town and postcode below.

ABOUT YOUR BENEFICIARY

The person you nominate to receive any savings held in your account and any eligible life insurance (subject to terms and conditions) in the event of your death. Please note, subsequent marriages and civil partnerships will revoke your beneficiary.

Please provide full address including house number or name, street details, town and postcode below.

Clear Signature

ABOUT YOUR BANK (FOR WITHDRAWALS)

If you wish to have a telephone or email facility to authorise withdrawals to your bank account please provide details:

Payroll Deduction Order: 

I authorise Northern Community Bank to arrange this amount to be deducted from my wages at the first possible pay day until instructed otherwise. I authorise Northern Community Bank to be notified of my leaving or termination of employment date. I wish my Payroll Deduction to be allocated as shown here:

Are you paid

Did someone recommend Northern Community Bank?

Are you happy for us to send you news and updates about Northern Community Bank? Please note we never sell or pass your information on to others for marketing purposes
Northern Community Bank Terms and Conditions

Please tick this box to confirm that you have read and understood our terms and conditions found here  

Financial Services Compensation Scheme (FSCS)

Northern Community Bank is part of the FSCS which protects your deposits with us.

This means that the FSCS will protect the money you have in savings accounts with Northern Community Bank. It is the body which gives you automatic protection up to £120,000 if your bank, building society or credit union goes out of business; and you will normally get your money back within seven days. FSCS is funded by the financial services industry, and is free to consumers. So whatever your money is for, it is good to know it is protected.
Please tick to confirm that you have read  about the FSCS here
Northern Community Bank Data Protection Statement.

Please read Northern Community bank’s data protection statement, found here. This community bank will process your data in accordance with your rights under the Data Protection Act 1998. The policy details how Northern Community Bank could also share account holder’s information and how to request the information we hold. I have read the Data Protection Statement 

ACCOUNT HOLDER AGREEMENT

I would like to open an account at Northern Community Bank and agree to abide by their rules. I have read and agree to the Terms and Conditions of the account(s) and the information regarding the financial Services Compensation Scheme. I agree to an electronic ID check. The information given by me on this form is true and correct. If we need anything further, all correspondence will be sent via email unless I state otherwise in writing. 

Start Saving with Payroll Plus Today

Want to find out more about the Payroll Plus scheme? The friendly team will be happy to help

Contact Us