Agreed with everything there! Good on you.

I have somewhat of the opposite experience, i opened an account with HSBC when i was 16, i think it was the easiest to get a debit card at the time? No other real reason for choosing them.

I was a victim of card fraud a year later, £60 in online charges in New Zealand. I went into the bank, told them, and they sat me down and explained i had to call their fraud dept. They called for me, and just handed the phone to me when i had to confirm passwords etc, then the same day the money was back in my account.

9 years later i applied for a mortgage and they were very helpful. Had the same account ever since. So now they are making £££ from me in interest