TBH banks don't WANT personal customers. Unless you have millions on deposit you cost more than your account is worth to them. The steady erosion of service at almost every mainline bank is well known and documented.
For me the penny dropped (sorree...) 25 years ago when talking to Barclays about a Business deal and they said they didn't want any new business under £ 50 mm as "it wasn't going to make them enough money"