Just have an ordinary account.
Trust me, when the charges do come, the're much more than you would think. You get charged for EVERYTHING. Paying money in, pay per cheque, a percentage of cash paid in, paying with your debit card, having a direct debit, having a standing order, monthly 'management fee', drawing money out.
Set a second account up on the internet. Always pay cheques through the drop box, so they can't ask questions. Trust me, after my free year at lloyds, the second year is still discounted and cost 60 quid a MONTH. If it went into full price it would have been double that.
Stay clear.