At Bath and North East Somerset Council we are encouraging staff to save via payroll deduction direct into one of our 2 local credit unions. We are served by Somerset Savings and Bristo CU. On Wednesday this week I signed up to save direct from my payslip into both unions. They are the best way to get access and loans for the many people who for whatever reason do not have bank accounts and they are certainly preferable to the loan sharks and pay day lenders that are on offer.