We are getting grief from Lloyds at the moment but its only because they want to screw us for more bank charges. Thats what it all comes down to.
Its a wonder anyone banks with lloyds imo, I used to but they take the mick that lot.
I had free 18 months free banking with lloyds when I started up my business but at the end of the 18 months I had a meeting with the bank manager. I told him I will get no added benefit by carrying on with the biz account and will end up paying unneccessary charges. I told him I want to open a personnal account and use that. Of course he didnt like it as he is missing out on charges but if you are polite, friendly and firm and stick to your guns they will back down.
That was 3.5 years ago now. Every Saturday I deposit my cheques and occasionally one of the girls makes a comment that I should be using a biz account. I always say that I discussed it with the manager and WE decided that I will not benefit from it.