I have had a savings account at Yorkshire Bank ever since I was in first school. I find that Yorkshire Bank is a reliable bank, but that is really all there is to them.

Interest rates at this bank are poor unless you have huge sums of money. This was my favourite account when I was younger because the branch near mine was nice and small and friendly, and the interest on my account was really quite high. But once I hit the age of 16, it plummeted because it became a standard adults savings account. So then I looked into changing it into a 40 day notice account thinking that it would surely be quite high, only to find that the interest wasn't that much better unless you had over 10 grand in the account. I am currently still with them but I intend to close my account pretty soon.

It's slightly sad because I feel attached to the bank because I have been with them for so long, but as everyone says, you have to shop around to get the best.

I have registered onto their online banking service which is so-so. Having also signed onto HSBC's online banking service, Yorkshire bank leaves a lot to be desired. You can view your balance, transactions etc, but there's not a lot more you can do. Everything must be done at the branch which is not always that convenient.

I feel that Yorkshire Bank are still stuck in the past, whereas others have evolved. I also feel that little effort has been made by them to ensure that I get the best out of their services.

I can not speak on behalf of their current accounts, but if you plan to open a savings account with less than 10 grand, steer clear of Yorkshire Bank.