When I set up as a limited company I moved to the Royal Bank of Scotland (RBS) for convenience sake - in Scotland some of the English banks (such as HSBC, which I used while as a sole trader) have few branches up here.
But RBS has been a pain in the butt since I started.
For starters, it took them 3 months to actually set up a business credit card on the account, instead of the project 3 weeks.
During this three months they decided to charge me for access to the card I hadn't even received!
Also, when first set up, I received a letter from the branch business manager welcoming me - but he managed to include out of date contact information so I couldn't even reach him!
The credit card itself is a pain - the staff close at 5 and don't work weekends, so if you have something you need to checkup you can only work with them during office hours - not good when you're working with the 24/7 internet.
Also, a couple of times this year I've had problems with my card being declined. Turned out my original credit limit was too small.
Yet even after contacting them 3 months ago about raising the credit limit to £5k/month, I've just had the card declined again - because it's still running on the original £3k/month limit.
This is despite my speaking with the business manager and his assistant twice to ensure it had been raised after the first payment was declined - and they claimed it had been raised.
So now I've got to waste valuable time in a week of deadlines chasing up the RBS, simply because they are incapable of doing their own job properly.
Of course, another big flaw with RBS is they don't offer merchant accounts - instead, you get fobbed off to that over-priced outdated merchant gateway called Worldpay. Not exactly a great choice for a serious business.
Overall, bloody annoying points I shouldn't have to deal with - seriously can't recommend RBS to anyone for their business banking.
ADDED: The branch business manager AND his assistant are currently off sick. Now have to chase around another office to hope for a call back today.