Re: Amateur Banks
@Alien8n - I briefly worked as a programmer as an employee of NatWest early in my career. They would only pay my salary into a NatWest bank account, which they insisted I open, and would not grant an overdraft as employees were expected to be exemplary at handling their money and thus should not need an overdraft.
So every month my salary went into my NatWest account, and the next day the totality of it was transferred by Standing Order to my existing current account with another bank. Apart from the month they messed up and I got hit with bank fees for a failed Standing Order, which they had to reimburse.
They also royally shafted me on holiday pay buy-back and other benefits when I moved on to another job a year or so later.