Bring back getting paid in cash and do away with monthly pay.
Don't know about other banks, this bit of info only applies to the black horse. If you go overdrawn and you haven't done so in the previous twelve months you can ask for any charges to be waived, BUT you have to ask. They won't...
Up far too early, travel too far, sit in too much traffic, work, sit in too much traffic, get home far too late, don't see enough of the wife and kids. Ah well, at least I've got a job.....this week anyway.