I've been with Bank of Scotland since I had a SuperSavers account at primary school (remember the wee squirrel?). Anyway I've only ever had a problem with them once and even then a little bit of light persuation ended up in the fee being waived. The good thing about HBOS is that they seem to have around 3million branches in Aberdeen, so on average you're never more than 27 steps away from one. Personally, I blame the banker from Deal Or No Deal cos he makes up the charges to pay out the prizes, or so I was told... p.s. surprised nobody has made the banker/wanker connection yet