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Depends on the number and type of transactions going through the account, whether you use the branch network to any significant degree or write a lot of cheques; my company doesn't currently pay any bank charges with HSBC.

No, that will depend on the outcome of the OFT investigation. The Banks have argued that the Office of Fair Trading had no right to undertake an investigation into whether their overdraft charges are fair, reasonable and reflect the actual costs involved. This contention has been rejected by...

The Court of Appeal has ruled against the Banks/Building Societies and said that the OFT (Office of Fair Trading) is entitled to look into their overdraft charges. Leave to appeal to the House of Lords is denied. BBC NEWS | Business | Bank charges appeal is thrown out