The banking industry in the UK is very different to the US. Virtually all current accounts (checking accounts) are free to operate in credit, yet come with full

The banking industry in the UK is very different to the US. Virtually all current accounts (checking accounts) are free to operate in credit, yet come with full ebanking capabilities, a chequebook, debit card and so on. I'm surprised that the retail banking environment hasn't crossed to America; it really does seem to be more customer focussed and yet still highly profitable.