Anonymous 1 needed this 'Off the Record'

I am in the process of moving my bank accounts with Santander ex Abbey, Alliance & Leicester, to another bank.
In the past I banked with the Coop, who had a system of transferring from my Savings Account to my current Account, when necessary, to avoid overdraft charges.
They have discontinued above, years ago, and now play cat and mouse with their clients, who for one reason or another become overdrawn. On one occasion in the past I had to pay some £70 because I accidentally overdrew.
Can anybody advise, whether any bank does such transfers automatically, preferably one with local branches or with telephone banking.
I do not want all my banking to be done on the internet.

If you know you are going to be overdrawn and you have internet banking facility, why not just do the transfer of funds yourself?

Alternatively transfer £100 from savings to current and keep it topped up at this amount on a month to month basis checking it at this interval - simple.

Yu can always ask for an ovrdraft facility without a fee - I have one for £100 and can overdraw by this amount each month with no charge as long as I dont go over the £100 facility.

Anonymous 1 needed this 'Off the Record'

Jon Gallagher
Thank for your response. But the issue here was that with variable direct debits, eg phone, kids on mobiles etc, one would need to constantly monitor the situation, or else have a significant amount in the bank to act as a buffer. The system as I described it did away with all that, it was simple, and allowed one to check the account balance on receipt of the monthly statement, without constant diligence.
Victoria
Thank you for your efforts. As an alternative are there any Building Societies with Current Accounts that do what I am looking for?
Please also advise which banks do text alerts, at least then one gets a warning and has time to do something about it..

PS What I have also noted is that banks often keep reducing the overdraft facilities year on year, for no apparent reason other than to catch you out. Some more devious banking? Anyone else experienced ever reducing overdraft facilities for no known reason?

HSBC recently did this for me on my HSBC Advance account. I am not sure if it was a one off or they do this as standard. It might be worth checking out.

LLoyds TSB also send you a text mini-statement every Friday.

Not a bad account too, no problems in the 4years I've had an account.

I still prefer Smile tho for my main current a/c tho, not sure why,