I have just joined the federation for small businesses, the main reason for me joining was free business banking for life. I am currently with HSBC but i will soon be telling them where to shove it. My charges with them have been creeping up and up for years, now it's around £30 per month. I now only have one yearly membership of £100, so in essence less than a tenner a month. Loads of other cheap stuff with them, legal documents to use and download. Plus you can bank at a local post office as well. Anyone else a member? how did you get on?