People slag them off but i think it goes by how good your personal banker is.I have been withh lloyds tsb for over 25 years and everything i`ve asked my PB for i have got,brilliant.All banks are good till you ask for something.Free banking is worth buttons if they won`t help you when you need a few quid or go over your overdraft,open a business account with the bank you`ve been with the longest and get a personal banker,then have regular catch ups with her/him to form a relationship.good luck Mark,Dan