SOLUTION to Roger Squires No. 3451:

Across - 1 Bank account, 7 Psi, 9 Catch, 10 Racecards, 11 Broadside, 12 Bread, 13 Nearing, 15 Next, 18 Stem, 20 Session, 23 Other, 24 Sunbather, 26 Horsehair, 27 Lurid, 28 Rod, 29 Sharp answer. Down - 1 Backbone, 2 Not so bad, 3 Ached, 4 Carving, 5 Unclean, 6 Tuck boxes, 7 Porter, 8 Inside, 14 Internees, 16 Withdraw, 17 Intruder, 19 Mascara, 20 Suntrap, 21 Mother, 22 Shored, 25 All in.