Personally I have had nothing but good experiences with them, the internet banking is very good indeed, and nobody will get through the security questions unless you tell them.
I also really like their ethical approach, and they are upfront about charges and such. The telephone banking is very good and they have always been very helpful with me, especially with thieving TV shops taking multiple payments (another story!).
If there is a down side I would say that it’s the lack of branches compared to the big banks, but with t’internet and the telephone service that hasn’t been a problem. Having said that, I’m Manchester local and head office is a short trot from Victoria station when I’m passing through. I do know someone that lives in Stevenage -who don’t have a branch- and banks happily with them.
Being a professional Northener it chuffs me somewhat that head office is in the capital city of Lancashire!
Overall, great, can’t fault them.
Best, LJ.