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Cooperative Banking

Barring investments and pensions, the Cooperative banking service covers the majority of financial products; focussing on loans, credit cards, mortgages and insurance as well as standard bank accounts.
The most basic account is the aptly named Cashminder, which comes without any credit facilities but offers access via the Electron card (similar to Solo if you're familiar with that brand). The Cooperative's long standing link with the Post Office allows you to get cash from Post Offices as well as Cooperative branches.

Next comes the standard current account which includes a Visa credit facility. Whilst you won't get much in the way of interest, despite an ethical stance, going overdrawn is as unpleasant with Cooperative banking as with other banks: unauthorised borrowing stacks up with a £25 monthly administrative charge, plus £15 per day each time your overdraft increases. Other charges are fairly standard (banker's draft: £10, stopped cheque: £10, copy statement £5).

The third account option is a premium service (at £6 per month) called "Privilege". You will receive free travel insurance, lower cost banking including a £100 free overdraft and lower fees on other borrowing, plus a range of other discounts from wine and books to hi-fi equipment. But be aware that most banks offer some sort of free overdraft anyway, so unless you can justify the extras, a basic account will do just fine. Alarmingly rates of current account interest are not apparent on the (otherwise excellently designed) website.

All these accounts operate within a strict ethical policy (your money, whilst it is with the bank, will not be invested in countries or companies which contravene the Universal Declaration of Human Rights. Additional clauses relate to GM foods, animal welfare, ecological impact and global trade policy).