Just had a call from a company called Think Banking, they have said I would get a cheque book, Debit Card and never have to pay overdraft charges again! (the last bit appealed to me) I have looked round a few review websites and there all all mixed opinions on them as a bank, anyone here had dealings with them recommend them or stay away? They have to different accounts as well (what the agent told me on the phone) one for bills and one for spending's so that seems quite cool..