So, competition in banking has worsened, according to research cited by the FT this week, and Which? is back on the warpath against "complicated and exorbitant" unauthorised overdraft charges.
Accenture's research found that in 2011 only 11% of customers switched at least one product and only 6% switched their current account - and 90% of us "had no desire to change providers".
Financial services consultancy Oliver Wyman chipped in with this gem:
"if [banks] made their charging structures completely transparent, no one would want to pay them."
Forrester, the research firm, found that less than 25% of UK customers thought "their bank put their interests above the desire to generate profits."
Yet more reasons for levelling the playing field between banks and alternative finance models.