I like Nationwide for their Flexaccount cheque account. I have a 1000 overdraft, which I have needed briefly a few times. I can do internet banking which is fairly secure if you keep your PC free of trojans, which I do. I can quickly pay biils online, change standing orders, direct debits. When Telewest cheekily debited the wrong amount, they got it back for me!! I have a debit card which I can use for payments at home and abroad, no currency charges. I get interest on the balance. As a member, I am also a shareholder. There are no charges unless I make a mistake.