[peteretep]

    > No overdraft/credit/direct debit bullshit
    > to be concerned with

I admire your faith in the altruism of banks, but my UK bank used to happily let me go overdrawn using my debit card, and then hit me with an unarranged overdraft fee.

[d4rti]

Sure, this can happen. I think it's a reasonable assertion to say that the UK banking system is, by and large, better than the US one across all income groups.