Just paid a visit to Nat West Bank.  Wasn't eavesdropping but overheard a conversation between someone with an existing current account, trying to open an additional account and a member of staff.  He was being told that the only person who could open an account for him was fully booked with appointments all day.  Really?  I have no issue with the staff in my local branch.  They are both friendly and helpful.  It's the rules.  I mean Jesus Christ, do they want our fucking money or what?  He already had an account there, he didn't just walk off the street.  So, we are to believe that in the entire branch, there is only one person that can do this highly skilled job of opening an account whilst at the same time, they are employing a person who is standing about, just in case people need help in operating one of the machines, yay, let's get rid of one more human.  When it is possible to open an account online with other banks, why are some still treating it as if it is such a difficult task?  Shoulda made a scene!