[wpclean]

There is no such thing as "free banking", the bank hold on to your cheque for a week, and gain interest on that money, and if you go overdrawn on your account you will be hammered with charges that work out more costly than Wonga !

[deeege]

@Davids3511

Your right, how dare they make a profit on our money, they should be looking after our money and making multiple daily transactions for us all for free. Just like we should be offering our services at cost price.

A private company that aims to make a profit??? Whatever next?

[Tomboler]

@Davids3511

Your right, how dare they make a profit on our money, they should be looking after our money and making multiple daily transactions for us all for free. Just like we should be offering our services at cost price.

A private company that aims to make a profit??? Whatever next?

well they could, for a start, pay back the money owed to the British public that was given to them to help prevent their profitable  money fiddling scam business folding (how much of it do we own 70/80%?)

after that they could try building a solid business based on customer service and not antagonizing customers (without customers they are nothing)

not many folks expect anything for free but they all ready get plenty to invest, if only they would properly

[Crystal-clear]

@Davids3511

Your right, how dare they make a profit on our money, they should be looking after our money and making multiple daily transactions for us all for free. Just like we should be offering our services at cost price.

A private company that aims to make a profit??? Whatever next?

well they could, for a start, pay back the money owed to the British public that was given to them to help prevent their profitable  money fiddling scam business folding (how much of it do we own 70/80%?)

after that they could try building a solid business based on customer service and not antagonizing customers (without customers they are nothing)

not many folks expect anything for free but they all ready get plenty to invest, if only they would properly

Hehe nice post
I like it!

[deeege]

@Davids3511

Your right, how dare they make a profit on our money, they should be looking after our money and making multiple daily transactions for us all for free. Just like we should be offering our services at cost price.

A private company that aims to make a profit??? Whatever next?

well they could, for a start, pay back the money owed to the British public that was given to them to help prevent their profitable  money fiddling scam business folding (how much of it do we own 70/80%?)

I realise Natwest are a part of RBS (and so part owned by the public) but did Natwest do anything wrong or play a part in the whole RBS cock up? I'm not sure they did.

after that they could try building a solid business based on customer service and not antagonizing customers (without customers they are nothing)

This will vary depending on branch but I have 0 complaints. Banked with them for 30 years personal and 8-9 years business. I've received a good service on the whole. I've had worse experiences with nationwide and Santander.

not many folks expect anything for free but they all ready get plenty to invest, if only they would properly

It seems to me that most folks in this thread do expect free banking. That's the part I don't understand. I don't get other services for free, why is banking any different?

[dave0123]

so why a personal bank account free then? am with lloyds for my personal account ive never paid a penny to them.. they welcome my money cash that i put in.

But if i want to go and open a business account i get stonked on every bit of cash or cheque i put into the account 


they make a enough out of the money you put in and the chargers they add onto you if u miss payments or direct debits as it is!!  yes have had millions n millions of tax payers money to keep them running!! then stonk us with chargers for it 

[Tomboler]

Deeege, crystal - I find banks really annoying, we've no choice , we have to use them & they try to control our every move, like a slave master & for that reason I wish i could say ' I'm out' but of course I can't they've got me by the mortgage short n curlys, plus where else can I put my readies 'safely' . Banks have too much power & we don't really have any choice  

[gary999]

banks have no need to charge anyone for the privilige
of you entrusting with it infact they should be paying a fee
for having to do no more than sit there and accept your money.

do you not think  that banks make money out of the cheques
that they are priviledged to have recieved from you before they
decide its okay for them to release the funds that they have
been holding onto which are yours into your (god im so lucky to have one
 ) account.

overdrafts loans etc fair enough but charging for the privilige of you
entrusting them with YOUR money its a joke

ir i clean a conny i charge once i dont go back when ive finished
and tell the customer ive used 40 more brush strokes  than i thought
so i would be charging them for it.

some people really are brainwashed by
 the banking system
most feel they have to deal with because of convenience

[robertphil]

my first 2yrs in this biz i ran it cash only, no cheques . it only nearly burned me out  the collecting was gruelling ,  i was on the road 24-7 like a bleedin taxi

 these days i never pay in at the counter,i always use the slots   and find the Halifax and the Nationwide to be the ones who dont ask questions ,especially nationwide

[davids3511]

@Davids3511

Your right, how dare they make a profit on our money, they should be looking after our money and making multiple daily transactions for us all for free. Just like we should be offering our services at cost price.

A private company that aims to make a profit??? Whatever next?

I never said they shouldn't make a profit. If you have to misquote me your argument must be gash.

[formb]

I am afraid I agree with the cashier on this one. You are running a business you should have a business account. It does not have to be a negative thing though. Make an appointment to see a few business managers at a few different banks, write down what you want from your bank; free cheque deposits, free overdraft, direct dial to a manager, that sort of thing. See which bank offers the best options for you and negotiate with them. Banks are just money shops, if a shop stops stocking what you want you go to a different shop.

[sean liam]

Does a business account offer you anything that a personal account does not?(other than charges)

[formb]

Does a business account offer you anything that a personal account does not?(other than charges)

Yes. Admittedly banks can be useless sometimes but I have no problems with mine. Santander for example were a joke; 'free banking' my arse.

I am now with RBS who offer a good service at a reasonable rate with decent benefits. It's all about negotiating the right deal for you and for them.

[PoleKing]

Santander +1. Not been in for years. Just use the machine outside and BACS online.

HSBC were very very good but expensive. I got the free 18 month deal but they tell you how much you've saved on the deal each month. It was usually around the £100 a month mark.

I had 18 months as a sole trader with them then (with the managers help) he closed that and immediately opened a partnership account (though I was still a sole trader).
I got 3 years of the best service ever, for free. When that ended he said I was pushing my luck to get to 4.5 years without paying anything. So I politely left and went to Santander.

[robertphil]

even on a personal account the bank does well out of you , doesnt rake in as well as if you are in the business tarriff but they still do allrite.
  iv no sympathy for banks , i paid a fortune to them when i had a biz account in a former life as a mechanic and now and then i used to rub an grubby oily soled boot into the carpet at the branch / catch that on cctv you barstewards/ and i felt much better for doing it

[deeege]

even on a personal account the bank does well out of you , doesnt rake in as well as if you are in the business tarriff but they still do allrite.
  iv no sympathy for banks , i paid a fortune to them when i had a biz account in a former life as a mechanic and now and then i used to rub an grubby oily soled boot into the carpet at the branch / catch that on cctv you barstewards/ and i felt much better for doing it

That'll teach 'em. 

[Mike #1]

Some folks are lucky in that they live in a town with 2,3 or 4 different banks were i live their is only 2 and the Natwest is the best one i dont really like paying £25.00 a month .

But in the next town is Lloyds bank which is crap and the nearest other banks would be a 16 mile round trip so i stick with the bank that offers the best customer service i have ever had out of a bank and that is only a few minutes walk from my house .

Also they open at 8:45 am which is handy if i need to pay money before i go off to work . Mike

[sunshine windies]

If a custy said I want my conny roof cleaned 3 times a year for free would you do it for free? Like #### would you. You run a business you need a business account, get over it and worry about more important things in life.

Again, not a proper analogy. The bank gears up and lends out whatever you have in your account.

That is my view too its annoying thou but to save arguments with cashiers , ill have to fold to it , the other post made sence get over it a few quid a month for an easy life makes sence I feel like paying that parking ticket that I didn't feel was fair but couldn't be botherd to fight it in court,

 if only everyone stuck together or if everyone was like me then we would have free banking as they can turn one away but they can't turn away everyone !

Dont do it !!!! lloyds have been on my case for 3 years for the same reason . stay strong and they'll get bored 

[formb]

I pay for business banking, I think everyone should.

The trick is to get your monies [money's?] worth.

[sunshine windies]

I pay for business banking, I think everyone should.

The trick is to get your monies [money's?] worth.

well GOOD FOR YOU