Life Insurance
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Bank account costs
You will be able to run some bank accounts free of charge if you never do things like ask for duplicate statements or stop a cheque. The danger zone for charges is undoubtedly the overdraft.
Some banks let you overdraw by a small amount - for example, £50 - without charging. But normally, if you overdraw without prior agreement you could be heavily charged - and with a fee on top too! The bank can refuse to pay your 'bouncing' cheques or Direct Debits too.
Paying the fees associated with an agreed overdraft is infinitely wiser and much, much cheaper than going overdrawn without consent