According to a survey by The Poverty Site, less than 6% of UK households today do not have at least one bank account. This is hardly surprising given the fact that the vast majority of employers pay salaries monthly and direct into a current account, deducting tax at source. In fact for most of us it is hard to imagine living life without some kind of current account - from taking cash from an ATM to sorting bills and payments online, a current account has become an integral part of modern life.

Yet, given the daily part current accounts play in our lives, most of us can't remember why we chose the bank we did. In many cases the decision was made for us as a child; you collected the incentives like piggy banks or pencil cases, stuck with your bank through the lean days of studenthood, came out the other side - and here you are faithfully placing your monthly salary into the institution. However, switching current accounts is an option and can be a lot easier that you might think. After all, loyalty can be expensive and is rarely rewarded.

And given the fact that interest paid by banks or building societies on credit balances in current accounts is either minimal or non-existent, it's important to make sure your current account comes with the right features and facilities to suit you instead. For example how long it takes cheques to clear, how user-friendly its online/telephone banking service is or even where your local branch is in relation to home or work.

However long you have been with your current accout provider, it's never too late to ensure it's the right one for you. To help you do this, check out the guides below and our comparative tables.

Types of Bank Account

CashQuestions Guide to Choosing an Account

CashQuestions Guide to Switching your Bank Account

CashQuestions Guide to Banking Online

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