There is no such thing as a standard bank account any more. 24-hour banking Decide what you want Be realistic about the type of account you want and the type of customer you are. Packaged accounts from banks, such as Barclays Additions, come with a monthly fee even if you are in credit - so watch out. These start at 20 and rise to 250. But not all accounts have them.
Some accounts have no fee.
Shop around as you can pay twice as much with the worst buy bank account than with the cheapest. And that is where you have strayed within an agreed overdraft limit. Make sure you know. If you are charged on a quarterly basis all you need to do is dip into the red once in that three month period and you will charged the fee. If charges are monthly you will only pay one month s fee.