In most countries, you are charged to bank with them for more than the most basic of accounts, maybe that will come in. I currently pay £7 a month to Lloyds TSB, but then for that I get AA cover, Key cover and mobile phone insurance. I think our banking (is you stay within your limits) is very good, but like everything else in this country, when they hit you, they hit you hard.
I could never understand why they needed to send you THREE automated printouts to say you had insufficient funds for the DD's, and then charge you £20 each, I can understand someone phoning me up and telling me so and charging £20, but not for a letter.
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