Your T&Cs are due to your choice of account I suspect, you could choose one without. There are now banks with opening at evenings and weekends (Metro Bank, now

Your T&Cs are due to your choice of account I suspect, you could choose one without. There are now banks with opening at evenings and weekends (Metro Bank, now in many places, although they only have 32 branches so far). The banks that actually provide customer service do cater for the better off though (eg Handelsbanken).