Trustee Savings Bank clear ground rules on ownership and accountability, neither of which was clear under former legislation. Airdrie Savings Bank refused to join the single entity, and remained the only independent such bank in the UK until it announced its closure in 2017. In 1984, TSB adopted an advertising slogan by which it is still generally remembered today: "The Bank That Likes To Say Yes". In 1986, the Central Trustee Savings Bank Limited was renamed TSB England and Wales plc and Trustee Savings Bank plc was renamed TSB Scotland plc. In 1986, the shares of TSB Group plc were floated on the
The Co-operative Bank the bank undertook an advertising campaign to promote its Ethical Policy. The Co-operative Bank brand subsequently came top in YouGov's survey of the most improved brands of 2015. The bank launched a separate internet-only operation known as smile in 1999. It has around half a million customers. Smile has its call centre based at a unique pyramid building in Stockport. In October 2008, it was reported that Co-operative Financial Services was in talks with Britannia Building Society with a view to sharing facilities and possibly a full merger. Such a venture was facilitated by the passing of the Building Societies