Soldato
How often do you guys contact your banks?
With internet banking I can't say I contact any of them more than a couple of times a year and they are all fine, just depends who you get (and I have 7 current accounts) so personally free money > customer service I don't use.
That's just what I was thinking as well...
I've spoken to Halifax twice in the last 10 months, once to open the account, once to sort the issue with the incentive payment, first time took about 20 minutes (and was a call back following me going through the process online, so no "on hold" time), second about 10, plus 5 minutes on hold..
I can't see saving 5-10 mins on hold/year being worth £60 to be honest