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HI If you do not want to pay any charges then try the CoOP bank. Join the Federation of small businesses who campaign for all banks to support small businesses. They recommend the Co OP bank because of the free charges...If you opt for a bank such as Lloyds and they tell you that they will charge you X amount for your custom then suggest that you are thinking of moving to another bank...they will react very quickly and will possibly give a a reduction in fees. One very important point...no matter how nice the bank manager business advisor seems to be...beware!