FD lauded for their first class customer service is a bit misleading. Yes they are generally quick to answer the phones but what is not mentioned is their unhelpfulness when they do.

I joined FB around four years ago, I must admit I've had no issues that being said I've never had need to contact them.

At the time of joining one of the he 'perks' was an overdraft interest free up to £250. When I joined this was not set-up but I had no need for one so it was of no concern.

Today I had to contact FB regarding a chargeback on a purchase (which they couldn't help until 30 days) and whilst there I enquired about the overdraft. I was asked all the standard questions to be told we will need to access it further and to allow 48hrs. As a customer of four years paying in £3k+ per month and never overdrawn and a good credit score I would have thought a £250 overdraft would be a formality!

I'm not one to bank hop, having been at my previous bank for 20+ year and only leaving when they closed walk in brances but I have been considering options for moving banks to one with more 'bells and whistles' online and with the joining offers currently available I think FD's lack of interest to help has made that decision for me.