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Do you have a question about You-View?
Just click on the relevant question from the list below for further information.

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Introduction What is You-View?
What can I view on my Savings Account?
What can I view on my Mortgage Account?
What can I view on my Insurance Account?
Getting Started Who can register for You-View?
How do I register for You-View?
Password and Memorable Information
User ID
How do I log in to You-View?
What is an Activation Key?
Viewing my account(s) How do I view my account(s)?
How do I view my account details?
How do I view my transactions?
How do I download my transactions?
How do I view my savings interest statements & request an Interest Statement?
How do I view my mortgage interest statements?
Paying money in How can I pay money in?
Making withdrawals Withdrawal and Transfer Terms & Conditions
How do I transfer money to my bank account?
How do I make a transaction request?
Closing an account
Pending Requests How do I view my pending transaction or Interest Statement requests?
How do I cancel a pending transaction or Interest Statement request?
Applying online How do I apply for an onthedot internet savings account?
How do I apply for an onthedot joint internet savings account?
How do I apply for a mortgage online?
Making changes How do I change my internet account type?
How do I change my email address?
How do I change my address?
How do I change my security details?
Staying Safe online Keeping your security details safe
Contacting us securely
Logging off securely
Troubleshooting Common problems with security details
What if I forget my security information?
If I need more information what do I do?

What is You-View?
You-View is the online Interactive System from Market Harborough Building Society that provides you with 24 hour access to your existing Savings, Mortgage and Insurance accounts, and the ability to apply for Mortgage and Internet Savings Accounts. Features include: a view of your mortgage and savings balances, current interest rates and due dates, transaction history, the ability to make transfers between Society accounts online or to your bank accounts with other providers, send and receive secure messages and much more. You-View can assist those who like to enjoy the benefit of a building society account, but find it difficult to get to a branch due to opening times or other commitments.
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What can I view on my Savings Account?
You can:
  • View account details and the current interest rate.
  • View the cleared balance.
  • View when interest is next payable and how it will be paid.
  • View interest statements for the previous and current tax year.
  • View transactions for at least the last two years.
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What can I view on my Mortgage Account?
You can:
  • View account details and current interest rates.
  • View outstanding balances.
  • View payments for at least the last two years.
  • View how payments are split if the mortgage has sub accounts.
  • View interest statements.
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What can I view on my Insurance Account?
You can:
  • View insurance cover start and finish dates.
  • View premium amounts.
  • View insurance cover amounts.
  • View payments for at least the last two years.
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Who can register for You-View?
Anyone aged 16 years and over can register to use You-View. Where an account is held jointly, both parties must register independently to use the service. The service is available on joint personal accounts only where the parties have previously agreed that either party may make withdrawals from the account. It is not available to clubs or associations.

Signatories to business and charity accounts are able to register to use You-View on behalf of the business/charity. Each signatory must register separately. Where a signatory has already registered to use You-View for a personal account, they will not be able to use this for the business or charity account. In this case, they will be required to register a second time to use this service for the business or charity account. Only business and charity accounts requiring two signatures will be eligible for the transaction service in You-View.
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How do I register for You-View?
Simply go to www.mhbs.co.uk and select the You-View tab on the homepage.  Select 'Register' from the left hand menu and confirm that you have read the Terms & Conditions before continuing to complete the You-View Registration.  As part of this process you will need to select a Password and piece of Memorable Information, which form your security details.  It is important that you remember these security details, as you will need them every time you log in.
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Password and Memorable Information
You will register a Password and a piece of Memorable Information as part of your You-View Registration.  Together, these two items make up your Security Information and you will need both of these every time you wish to log in.  Please do not tell anyone this information. 
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User ID
Once you have registered for You-View, we will immediately email you a six digit User ID Number to the email address you supplied in your registration. You will need this every time you log in. This is not secret information and can be written down. If you lose this ID Number, please contact us on 01858 412250.
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How do I log in to You-View?
Logging in to You-View is a very simple procedure.  Go to www.mhbs.co.uk and click on the Log in button at the top of the page. You will be asked to enter your user ID and your Password. Select 'Login' to proceed to the next page, where you will be asked to provide characters from your Memorable Information. Please use the drop-down menus to select this information, and select the 'Login' button. If it is the first time you are logging in, you will also be asked to enter an Activation Key. If however, you are taken back to the log in page, there is an error in the information you have entered, so please try again. If you are still having difficulty, please refer to Common problems with security details or What if I forget my security information?

You may have an option within your Internet browser software allowing you to save the Password you use to access You-View.  We recommend that you do not use this option.
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What is an Activation Key?
An Activation Key is a security code. When you view your mortgage or savings account online for the first time, you will have been sent an Activation Key to activate access to your account(s). Once you have received the Activation Key, log in to You-View by entering your User ID, Password and Memorable Information. Once these details have been entered in correctly, you will be prompted to enter the Activation Key as it appears in the letter. When you have successfully used this to gain access to your account, you can destroy the written record of the key as you will not need it again.
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How do I view my account(s)?

Personal Savings Accounts


You can ask to have access to as many personal savings accounts as you hold with the Society. Select 'Add your accounts' from the left hand menu and enter your account number. We will then automatically add all of the savings accounts you currently hold with the Society and any you may hold in the future.  You will not have immediate access to these account(s), as first we have to verify your account details.  If this is your first account on You-View, we will send you a letter of confirmation once we have done this, which will also contain an Activation Key. For subsequent accounts, we will send confirmation via secure message. Where you have requested access to a joint account, you will only be able to transact on this account if it is set up so that either of you may sign for withdrawals. You cannot transact online on joint accounts which require multiple signatures; however you can still use You-View to view a joint account.

Personal Mortgage Accounts

You can request access to as many personal mortgage accounts as you hold with the Society. Select 'Add your accounts' from the left hand menu and enter your account number. Repeat this until you have recorded all the accounts you wish to add. You will not have immediate access to these account(s), as first we have to verify your account details. Once we have done this, we will send you a letter of confirmation which, if this is your first account on You-View, will also contain an Activation KeyYou cannot transact online on mortgage accounts; however you can still use You-View to view them.

Business & Charity Accounts

Signatories to business and charity accounts can ask to have access to as many savings and mortgage accounts as the business/charity holds with the Society. Select 'Add your accounts' from the left hand menu and enter the first account number. Repeat this until you have recorded all the accounts you wish to add. You will not have immediate access to these account(s), as first we have to verify the account details. Once we have done this we will send you a letter of confirmation which, if this is the first registered account, will also contain an Activation Key. We will also send an Application to conduct online transactions form for non-personal accounts which you should sign and return if you wish to use the You-View transaction service on behalf of the business/charity. Only business and charity accounts requiring two signatures are eligible for the transaction service in You-View. The transaction service will not be made available until both signatories have separately; registered in You-View, requested to add the business/charity account, and signed and returned an application to conduct online transactions form for non-personal accounts.
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How do I view my account details?
When your accounts have been added to You-View they can be viewed by selecting 'Your applications and accounts' from the left hand menu.  To view the details of each account just click on the account number.
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How do I view my transactions?
To view your transactions on one of your accounts, please click on the account number as explained in the previous section, then click on 'View Transactions'.  You-View automatically displays all transactions made on an account during the last 3 months.  If you wish to expand on this range, you can use the date selector provided.
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How do I download my transactions?
To download the transactions on one of your accounts please select your account number, then click on 'View Transactions'.  Next click on 'Download' and a .csv file will be created which can be used to import your transactions into an Excel spreadsheet.  To import the file for use with Microsoft Money you'll need to convert the .csv file to a .ofx file.  There are tools available on the internet for this.
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How do I view my savings interest statements & request an  Interest Statement?
Once you have selected a savings account to view, select 'View Interest', this will display interest details for the current and previous tax years. If required, you can request a Section 975 Certificate of Deduction of Income Tax for the last tax year.
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How do I view my mortgage interest statements?
Once you have selected a mortgage account to view, select the required sub-account and select 'Fiscal Statement'.  This will display interest for the previous tax year and estimated interest for the current tax year.
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How can I pay money in?
There are various methods of paying money into your account depending on the type of account you hold. Please refer to the terms and conditions relating to your account for more details. 

Branch Accounts
Postal Accounts
Onthedot Internet Accounts
Pay in money at any of our branches using your passbook.

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Transfer money between accounts at any of our branches using your passbooks.

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Transfer money between accounts by posting your passbooks and signed instructions to our Head Office address.

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Post your passbook and a cheque to our Head Office address.  Cheques must be made payable to the account holder and not to the Society.

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Send a cheque to our Head Office address together with a completed onthedot internet account paying in slip. Cheques must be made payable to the account holder and not to the Society.

 

 

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Transfer money from a branch based or postal account to an onthedot internet account by sending your passbook and signed instructions to our Head Office address.

 

 

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Transfer money between your accounts with the Society online.

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Transfer money from a bank or another building society into your Society account using the following numbers:
Sort Code: 20-49-08
Account Number: 70608386
Roll/Reference Number: Your 11 digit Market Harborough Building Society account number.  Do not enter any dots or dashes.
Please note that certain banks do not automatically provide a roll or reference number field if you bank with them online.  You may have to telephone them so that they can set up this information for you.

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Withdrawal and Transfer Terms & Conditions
Please refer to the terms and conditions relating to your account at http://www.mhbs.co.uk for terms & conditions relating to withdrawal and transfer requests.
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How do I transfer money to my bank account?

Personal Savings Accounts

Once you have added a savings account to You-View, you also have the option to register the details of up to two personal current accounts that you may hold with other providers, and to which you may wish to make funds transfers.  Adding a bank account is a simple two stage process, either click on 'Add bank account' at this point, or come back later and select 'Add your bank account' from the left hand menu option 'Your external bank accounts'.

Step 1: Enter and submit details of your personal current account.  You must also print off, complete and sign our Addition of Bank Account form.  For money laundering purposes you are obliged to prove that the account is held in your name.  We will therefore require you to either send a cheque or electronic payment for a nominal amount (£1) from this account, or post a recent bank statement from this account with the form, which should then be posted to our Head Office address.

Step 2: Once we have received your documents we will validate the account.  Customers should allow three Working Days for this process to be completed after the required proof of ownership of the bank account has been received by the Society.  Your bank account details can be viewed by selecting 'Your external bank accounts' from the left hand menu.  Whilst we are processing your request your account will be displayed with a status 'Pending review'.  This will change to 'Approved' once the account has been validated.

When your nominated bank account has been approved
, you will be able to make outgoing electronic transfers from your savings account(s) registered in You-View.  You-View does not permit you to set up incoming transfers.  Instead you need to arrange a transfer with your other provider, please refer to How can I pay money in?
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Business and Charity Accounts

If transfers to a bank account are required, two signatories to the savings account of the business or charity will need to register the details of the bank account of the business or charity. Only bank accounts held in the name of the business or charity can be registered. You have the option to register the details of up to two bank accounts that the business or charity may hold with other providers, and to which you may wish to make funds transfers.

Adding a bank account is a simple two stage process, either click on 'Add bank account' at the point of registering the business/charity's savings account held with the Society, or come back later and select 'Add your bank account' from the left hand menu option 'Your external bank accounts'.

Step 1 : Enter and submit details of the business/charity's bank account. You must also print off, complete and sign our Addition of Bank Account form. For money laundering purposes you are obliged to prove that the account is held in the name of the business/charity. We will therefore require either a cheque or electronic payment for a nominal amount (£1) to be sent from this account, or a recent bank statement from the account, which should be posted with the form to our Head Office address.

Step 2 : Once we have received a signed Addition of Bank Account form from each signatory and relevant proof of ownership of the bank account we will validate the bank account. You should allow three Working Days for this process to be completed after both forms and the required proof have been received by the Society. The bank account details can be viewed by selecting 'Your external bank accounts' from the left hand menu. Whilst we are processing your request the bank account will be displayed with a status 'Pending review'. This will change to 'Approved' once the bank account has been validated.

When the nominated bank account has been approved and you have both returned an
Application to conduct online transactions form for non-personal accounts, either signatory will be able to request or confirm outgoing electronic transfers from the business/charity's savings account(s) registered in You-View. You-View does not permit you to set up incoming transfers. Instead you need to arrange a transfer with your other provider, please refer to How can I pay money in?
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How do I make a transaction request?

Personal Savings Accounts

You can transfer money between your Society savings accounts or to your Society mortgage account, transfer money to a nominated bank account, or request a cheque withdrawal from a postal or branch account.  You must ensure that these accounts are already set up on You-View.  You can only transfer to your own accounts using You-View, you cannot transfer to another customer's account.  To request a transaction simply log in to You-View and select 'Request a transaction' from the left hand menu and begin the simple 3 step procedure.

Please note that the system will not allow you to continue if:
  • Your account requires multiple signatures for withdrawals.
  • You have an onthedot internet account and your registered bank account has not yet been approved.
Step 1: Firstly select from the dropdown box the account you would like to make the transaction from and then the type of transaction you wish to make. Select  'Continue'.

Step 2: If you are requesting a transfer, select the account you would like to transfer to, insert a reference and the amount you would like to transfer.  If you are requesting a cheque withdrawal, enter an amount only.  It is at this stage that you are asked if you would like to give notice if it is an option on your account.  Select 'Continue'.


Step 3: All the details you have entered in Step 1 and Step 2 are displayed for you to check. Finally, complete your request by entering the specified security information and select 'Confirm'.


Once the request has been completed all your pending requests will be displayed for you to review. If you have made a mistake or you change your mind before a request is processed, you can cancel the request - see How do I cancel a pending transaction or Interest Statement request?

Please note that requests you make via the You-View system, such as withdrawal transactions, will not show immediately on your account; your account details and transactions are updated twice a day.  We may in some cases require some further information from you in order to carry out these requests. If you are unsure or concerned about anything please contact us directly via a secure message, or call us on 01858 412250. We will be happy to assist you.
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Business and Charity Accounts

Only business and charity accounts requiring two signatures are eligible for the transaction service in You-View.

Before the transaction service will be made available both signatories must each; register in You-View, request to add the business/charity account, and sign and return an
Application to conduct online transactions form for non-personal accounts.

Please note that when you make a transaction request it will not be received by the Society for processing until the request has been confirmed by the other signatory. It is the responsibility of the signatory requesting the transaction to ask the other signatory to log into You-View to confirm the request. Where appropriate, notice periods on requests will be calculated from the date the second signatory confirms the request.

Either signatory can request to transfer money between the business/charity's Society accounts, transfer money to a nominated bank account, or request a cheque withdrawal. You must ensure that these accounts are already set up on your You-View registration. You can only transfer to other accounts if they are held in the same name.

Signatory Requesting Transaction

To request a transaction simply log in to You-View and select 'Request a transaction' from the left hand menu and follow these steps:

Step 1 : Firstly select from the dropdown box the account you would like to make the transaction from and then the type of transaction you wish to make. Select 'Continue'.

Step 2 : If you are requesting a transfer, select the account you would like to transfer to, insert a reference and the amount you would like to transfer. If you are requesting a cheque withdrawal, enter an amount only. Select 'Continue'.

Step 3 : All the details you have entered in Step 1 and Step 2 are displayed for you to check. Finally, confirm your request by entering the specified security information and select 'Confirm'.

Step 4 : Once the request has been confirmed all your pending requests will now be displayed for you to review. The transaction just requested will be displayed as awaiting confirmation by the other signatory. If you have made a mistake or you would like to cancel a request before it is processed, - see
How do I cancel a pending transaction or Interest Statement request?

Step 5 : You will now need to contact the other signatory to ask them to log into You-View and confirm the request.

Signatory Confirming Transaction

Step 1 : Log into You-View. A message should be displayed stating that there is a transaction request that requires your attention. Either click on the message or select 'View pending requests' from the left hand menu option 'Request a transaction'.

Step 2 : Any transaction requests requiring your confirmation will now be listed. Tick the boxes beside those transactions you wish to confirm and enter the specified security information. Click on 'Confirm Selected'. Once confirmed the pending request will be displayed as 'Awaiting Processing'. If you have made a mistake or you change your mind before a request is processed, you can cancel the request - see How do I cancel a pending transaction or S975 request?

Please note that requests you make via the You-View system, such as withdrawal transactions, will not show immediately on your account; your account details and transactions are updated twice a day. We may in some cases require some further information from you in order to carry out these requests. If you are unsure or concerned about anything please contact us directly via a secure message, or call us on  01858 412250. We will be happy to assist you.
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Closing an account
Only Internet accounts can be closed using You-View.  All Postal accounts must be closed by sending a letter of authorisation to Head Office.  Branch based accounts may be closed by visiting a branch or by post with a letter of authorisation.  For both of these types of account the passbook must be produced.
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How do I view my pending transaction or Interest Statement requests?
Until we process your transaction or Interest Statement requests you can view them by selecting 'View pending requests' available from the left hand menu option 'Request a transaction'.
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How do I cancel a pending transaction or Interest Statement request?
If you have made a mistake or you change your mind before the request is processed, you can cancel the request.  Select 'View pending requests' from the left hand menu option 'Request a transaction'.  All your pending requests will now be displayed.  To cancel a pending request, tick the box next to the request(s) you wish to cancel and then select the 'Cancel Selected' button.  The pending request(s) will then be cancelled.
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How do I apply for an onthedot internet savings account?
You-View also enables you to apply for an onthedot Internet Savings Account with us. Simply log in to You-View and select 'Apply for a savings account' from the left hand menu. Select the type of onthedot internet account you wish to apply for.  Fill in your personal details and nominated bank account details and submit your application.  You will then be asked to print the application form and sign it. Please send your signed application form with proof of your nominated bank account, cheque deposit or transfer instructions, and any proof of identity we have asked for to our Head Office address. When your account has been opened we will confirm this by letter, which will also include an Activation Key if this is your first account on You-View.

This service is not currently available to business and charity customers.
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How do I apply for an onthedot joint internet savings account?
If you are applying for a joint internet savings account, you need only apply for the account using one person's User ID. Once you receive notification that the account has been opened, the other account holder can register for You-View (if not already registered), and request access to the account - see How do I view my account(s)? Each account holder will need to nominate a bank account for withdrawals - see How do I transfer money to my bank account? Your notification letter will also include an Activation Key if this is your first account on You-View.

This service is not currently available to business and charity customers.
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How do I apply for a mortgage online?
You-View also enables you to apply online for a mortgage with us. If you are applying for a joint mortgage account you need only apply for the account using one person's User ID. Simply log into You-View and select 'Apply for a mortgage' from the left hand menu and fill out the online application form, choosing the mortgage product you wish to apply for. Once completed, print the application form and return it to us together with the relevant documents and proof of identity. Whilst your mortgage application is being processed you will be able to use You-View to view the progress of your application through its key stages. When your funds are released, your mortgage account will automatically be accessible via You-View. We will confirm this by letter, which will also include an Activation Key if this is your first account on You-View. The other account holder of a joint mortgage can also register for You-View (if not already registered) and request access to the account - see How do I view my account(s)?

This service is not currently available to business and charity customers.
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How do I change my internet account type?
If you wish to change your onthedot account to a different type of account, please log in to You-View and select 'Change my onthedot account' from the left hand menu.  Download the form and complete all details in black ink. For joint accounts please ensure both account holders' details and signatures are included on the form. Nominated bank account details will remain the same. You may wish to keep your original internet account type but change when you have the interest paid (annually or monthly). If you would like to do this, then please send us a secure message with your instructions (see Contacting us securely) - a new application form is not required.

Please note this service is not currently available to onthedot Fixed Rate Bond accounts or to business and charity customers.
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How do I change my email address?
If you change your email address, log in to You-View, and select 'Change your email address' from the left hand menu option 'Change your personal details'.  It is important that you do this so that we can send you email alerts when you have a new secure message.

How do I change my address?
If you move address please let us know by logging in to You-View and selecting 'Change your living address' from the left hand menu option 'Change your personal details'.  Unless you instruct us otherwise the Society will use this new address for all correspondence.
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How do I change my security details?
It is important for your protection that you never tell anyone your Security Details.  If you need to change these, this can be done online.  Simply log in to You-View with your existing Security Details and then select 'Change your security details' from the left hand menu.  Here you will be required to enter your current security details.  Your password is case sensitive, so please remember whether you have used Caps Lock on your keyboard.
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Keeping your security details safe
If you write down your Password or piece of Memorable Information in case you forget them, please ensure that it is in a way that is not readily identifiable by somebody else. If you need to write them both down, keep them in separate places. Both your Password and Memorable Information are required to be between 8 and 15 characters long. Please be aware that your password is case sensitive (see Common Problems with security details for more information).

At Market Harborough Building Society security is one of our key priorities.  Some customers of banks and building societies have been targeted by fraudsters who use fake emails requesting details of passwords and other security information.  These emails appear to have come from the bank or building society.  Market Harborough Building Society will never ask you to divulge your Password or Memorable Information by email or through any other form.  If you receive any email requests of this nature DO NOT RESPOND TO THEM. Instead, contact us immediately. To prevent identity theft, the Society has decided not to include links to our website in any marketing emails we send.  If you receive an email that appears to contain links to our website, DO NOT CLICK ON THEM. Instead contact us immediately.
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Contacting us securely
If you need to get in touch with us why not send a secure message? To send a secure message log in to You-View and select 'Messages' from the left hand menu.  Click on the 'New message' option and enter your text, then click 'Send Message'.

When we send you a secure message you will be notified that you have a message waiting to be read by an email that is sent from
You-View@mhbs.co.uk. To read your secure message, log in to You-View and select the red envelope that appears on your You-View homepage, or select 'Messages' from the left hand menu.  Click on the subject title of the new message, then click on the latest new message for that subject - you will now be able to read your secure message.
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Logging off securely
Once you have logged on, do not leave your computer unattended, as this might permit someone else to access your account.  For your security You-View will automatically log you out if you do not use the system for several minutes.  Always log off properly either by selecting 'Log out' from the left hand menu, or clicking on the 'Log out' button at the top of the page. You will then be asked to confirm you wish to log out.
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Common problems with security details
You can put right most logging-in problems yourself, as they are often a case of mis-entering information. Common problems often include the use of the Caps Lock.  Your password is case sensitive, and You-View will only recognise it in the format it was registered.  Please ensure that the Caps Lock is turned on and off appropriately when you are entering your security details.  The same applies to the Number Lock.  Please ensure this is turned on if you use numbers in your security details.  Please also make sure you are entering your 6 digit User ID number correctly, and not an account number.  If you are having problems accessing You-View, then please also check that you are entering the correct number of characters for your Password.  You can do this by counting the number of bullet points you have entered into the password field, before you click the 'Login' button.  If you have registered your Password as two separate words with a space between them rather than as one complete word, then this space will also have been registered as a character.  You will therefore need to include a space when entering your password, by using the space bar on your keyboard.

Errors with Memorable Information can include not correctly selecting the specified characters asked for, or registering your Memorable Information as two separate words.  If you have used a space between these, then this space will also have been registered as a character, and will need to be considered when selecting from the drop downs.  The space character can be found on the memorable data drop down list below the letter 'z' and before the number '0'.

If you get your security information wrong too many times, we may suspend your access to the system.  You will then be required to register for Lost or Forgotten Security Details - please refer to the next section below.
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What if I forget my security information?
If you forget your Password or Memorable Information, or you are having difficulty logging in, please reset your Password and Memorable Information by registering for Lost Security Details.  Simply select the You-View tab on the homepage and select 'Reset your security details' from the left hand menu.  You will need to enter your User ID, and an account number if you already have accounts registered in You-View.  If you have yet to register any accounts, please leave this field blank.  You can then enter a new Password and new piece of Memorable Information.  We will then send you a new Activation Key through the post to re-activate your access.  Please do not attempt to log back into You-View until you receive your Activation Key.

Please note that the Society does not have access to your security information.  We are therefore unable to see what you have registered for your Password and Memorable Information if you are having problems logging in.
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If I need more information what do I do?
Please call us on 01858 412250 or email us at CustomersFirst@mhbs.co.uk.
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