I moved from Barclays to First Direct in 1990, and I really rate them. I just gradually left less money in the Barclays account in order to cope with unexpected hits and then closed it.
My wife was driving to Cornwall a year later for a holiday, and phoned me from a service station on the M5 to say that she had left her wallet behind and could only put £10 of fuel in the motor. After that she would be totally and utterly skint, and without any cards or cash at all.
I phoned First Direct and explained the problem. They came up with a password solution so that she could visit her bank (nothing to do with the First Direct/HSBC group) and transfer money for her to withdraw from my account, over the counter, to a bank in Taunton half an hour later. I asked what the charges might be for arranging that. Nothing at all. That bought my loyalty, and I'm still happy with their service.