My bank is charging £25 and more promised because a direct debit came earlier this month than before and I had one more day before a cheque cleared into the account. I regard such iniquitous charging as a reason to move to another bank. Yes I know they are all as bad. Bt to run a business in a way that in no way puts the customer first is a disgrace. They know I have funds in another account, but would they tell me I needed to tranfer funds? No they want to take my money and keep it. Banks are the pits. The only reason cheques take days to clear is because it is in the bank's interest and too many MPs are bank directors.