I want proper interest on my bank accounts not the piffling end of year accountancy irritance that is the ridiculous 0.005% or whatever it is you offer as standard. Nor the necessity to manually spend time transferring my moneys around to get better interest rates in other accounts as this is also a waste of existence.

I do not want to support the expense of business advisors who I have not have the need of for the last 15 years in business. Have a business account that offers proper interest on business accounts with limited risk fro a little interest growth with no charges of any sort on positive balances over X, that does not support a clique of barclays advisors, as others who borrow money may need such support, and I do not wish to be lumped with the expense of such employees just because a small proportion of other customers make use of them ?

I do not wish for an overdraft feature on any of my accounts, because ultimately I would like conditional balance based bank transfers to operate between my accounts so that when my drawings accounts reaches a certain level it is topped up automatically from the account which receives my income, As overall the combined balance between all my accounts, has always been in the positive by some degree ? Conditional logic has been around programmatically since the dawn of computing how come banks haven’t caught up ? Kind of like Oyster card balance auto top up but between bank accounts ? this is relatively simple ?

Please Design your bank statements properly, they are awful, If you want you are welcome to contact me , I have degree in graphic information design and am happy to redesign them for you if you pay me ? as you are surely currently paying someone to do it badly ? you are making obvious mistakes ? whether on the downloaded or printed versions, And If you continue to advertise your services on my numbered bank statements, I will start sending you adverts for my services on communications I artificially feel the need to send you !

Why whenever a set of cheques is paid in do they appear as some anonymous lump sum on my bank statement ? after all these years couldn’t you have managed by now to engineer a way whereby the sums are split up and represented by the various cheques paid in and their sources, as of course i can manually track them in a paper system at my end but again this is a waste of life ?

Why do you lock my pdf’s statements of mine that I download so they cannot be digitally annotated as I do with my physical statements ? and why do you name the downloaded files in the most awful fashion which will not even sit in the correct order in a folder on a computer, or be legible from a filename perspective ? and please provide the ability to download all my digital bank statement in one hit from the website ?

Why not have business accounts that can do proper invoicing and reconciliation as standard without extra charges ? after all this is just a bit of software on a server and should not cost a great deal to add proper digital banking, to your current online offering ? … do I have to move to HSBC so that I can use third party systems that have been licensed to integrate with their banking system just to get a hold of banking integrated invoicing and reconciliation ? AS most people are currently operating lots of software systems and paper methods to do all this when in reality computers have been capable of it for 40 years ?

I am seriously considering moving to a bank that does not have shareholders either(co-operative in some form), as I do not wish to support the shareholder class either, I want to belong to a bank where the depositors are the shareholders and where another class the market speculators are unbundled from the banks operations, or if present, are working on the depositors behalf and not shareholders or the banks employees. Obviously I would also want this bank to be selective as to who it would loan to and there was some strict limits on the quantity of depositors at such a bank, whose accounts operate in the permanent negative, as I do not wish to support this class of debt based operators either, in any bank in which I leave permanent Positive balances. ie a bank that has a sensible ratio between deposits and loans, and not based as the current economy appears as perceiving debt as a symbol of wealth. To be honest you’d be better of starting again with a fresh bank, year zero digital banking startup under another name, as currently banks seem to have lost the plot as concerns serving depositors needs. Also if cheques were disposed of and consultations were online as concerns arranging finance for those who need it, Im not sure the need for me to belong to a bank with a high street operation either, as currently I pay all my remaining cheques in via the post office (a barclays arranged service i do approve of) as its much closer and not as busy as the local branch. Hopefully in the future we can get rid of cheques completely.