I find the Co-op fine, a bit slow updating the account balances online, but otherwise OK.
Not keen on their "3 strikes and you are out" policy, but overcame that by opening two Cashminder accounts: One has my salary paid in and all my bills paid out ..... knowing exactly what I spend on regular bills I leave that amount, plus £50 in that account, which then takes care of itself. The balance gets put into the other Cashminder, from where I pay for housekeeping, petrol and all the flucuating spending. This one needs more careful monitoring, but I only have to keep in mind what I have just spent, rather than thinking ahead to what DDs or SOs are due out.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014