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@Daveypants
I'm about to leave Natwest because of the the much published OD charges fuckery. I forgot to cancel a standing order, lost £1600 into the bank account of a landlord I couldn't get hold of, went to the bank the day it happened and they told me there was nothing they could do about it. Paid the £35 charge there and then, forgot about it and focused on getting my money back. A month later I get a second charge for £35 because the woman in the bank failed to tell me I would be charged interest on top of my charge resulting in an unauthorised overdrawl of £0.19. The staff in the Camden branch were such hard sellers that in the end I had to go to a different branch and kick up a fuss there. Very ugly experience and one I do not wish to repeat.
Co-operative sounds great to me, as soon as I've paid off my student overdraft with Natwest I'm hightailing it...