Been with Halifax all my life with personal accounts and am only staying with them the fact it will help me when getting a mortgage (having banked with one organisation for years). I personally think they are shite, branches are unhelpful locally, they shut early on Saturdays, my online banking and telephone banking never works (they keep telling me to go into a branch to sort my id etc out so i do, go home, login again and it still dont work!! - given up now!!).

My business account is Lloyds and have so far had no problems with them!

Chris