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    A lot of truth has been said here about bank service. Howard is of course quite right.

    I currently use two banks for basic banking services and have direct experience of 3 of the big four clearing banks. Generally for the most basic banking services they are OK, specially when you can cut out going into the branches and use them on-line.

    Anything more than the basic services and anything complex is where they start to unravell. Sadly we have to use these institutions for certain things (current accounts/payment services/deposit taking/overdrafts) but, wherever there are non-bank alternatives consider them. Be careful though specially when sourcing new companies and services on-line or via email (specially), there are a lot of scams about.

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