Thanks Perplexed. That was my initial understanding too. I called into my local branch yesterday and the lady strongly advised me not to change accounts. She said graduate banking was free and I thought a regular account was also free but she advised me otherwise. I didn't change my account based on her advise but I will phone BOI for further clarification after reading your post.
Irishpancake, what are you experiences of the Halifax personal banking website?
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