Steer well clear of Santander lost cheques the list goes on now with Lloyds 18 months free banking but the branch is local so I can speak to them direct as opposed to trying to go through an automated service before you actually spoke to someone in person.
I called into the branch(Newcastle) to close the account on the 23rd March which was told by staff all done got statement last week £175 in charges for direct debits that have been bounced as I took all the money out that day,whilst waiting to speak to someone there were 3 other people having similar problems with their personal accounts.
All banks are the same when things are going ok its when things go wrong that they lose interest