I was in this situation 2 years ago. Between us my partner and I had 4 bank accounts with HSBC, including a business account for my partners Ltd company. We used to get charged around ??? 600 a month? Including going OD when bank charges were added. We begged and pleaded with HSBC...... nothing they could do. Saw the light one day, opened a bank account with Santander. We both bank with them now and have never looked back. Granted my partner folded his business and got a job but we still struggle to repay debts from that time (including all the bank charges). We also only have things on Direct debit that HAVE to be, like house insurance ect. Not even our mortgage is on DD - I am also now self employed, I make money but if people pay late ect. i don't want things bouncing. Also Santander are very keen on bouncing things if the money isnt there the day before, unlike HSBC who give you until 14.00 to get your cash in. meaning we have HAD to take more care of our money. Good luck