Personal banking depends on your own lifestyle and personal needs. Nobody needs a cheque account any more, as it is an outdated form of transacting. You only need this if you need an overdraft, but then it is easier to get credit on a credit card. You only need the discipline to clear your card account IN FULL at the end of the month. (You do NOT want to pay this exorbitant interest!). There are options available with debit or credit cards linked to internet which allows you to transact electronically. Some credit cards have other benefits linked, such as Discovery, with discounts from Kulula, BA, P&P etc. My Discovery cash back last year (up to 10/1/11) was ...... wait for it....... R2,741.62!!!! Just look around. There are many options available and you do not have to stick with your outdated bank package.