To start with, this organisation advertises itself as not having to look after shareholders. It doesn't need to make a profit, just a surplus (it makes a HUGE surplus). It claims to be here for its members. Why, then, did it close the Cookham branch, which had been open for many years and was the only 'bank' in the area? How did that serve its members? It offers puny interest rates whilst pretending to look after those who are long standing members (in my case +35 years) and there are a number of building societies who offer considerably more on sign up. To transfer money to new payers involves using a little plastic machine, which stops working after a few years. When applying for a new machine, one is told by this gracious organisation that it will be given free (expect it in 3 days) but future machines may be charged for. 8 days later, I'm still waiting. Thank you, Nationwide, for a lovely 30+ years, but there are other institutions which offer far more. Most of my money is now going to STARLING.