I've just discovered the forum and have been obsessively reading posts about everything. I was so worried about not getting a bank account and it seems loads of people feel the same.
I owe NatWest (RBS Group), HSBC and Barclaycard (Barclays) among others and thought I would really struggle with a mainstream bank but I went to Lloyds first and they were amazing. Though I know there are people on here who had a different experience.
They offered me a regular account with a Visa debit card and a cheque book. As I declined the overdraft (I was offered one despite a credit check that made my skin crawl with shame) they also put me onto a preferential rate of interest.
I am literally in love with Save the Change. They round all your transactions up to the next pound and transfer the change to an instantly accessible savings account. I often have £5 - 10 in there at the end of the month which comes in very handy just before payday!