   neutral   Do you use your bank to pay your utility bills? I use direct debit.     neutral   Yes, I do. It save me a lot of time. I also have standing orders for my subscriptions to magazines.  
    happiness   That ’ s good idea. You don ’ t need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too.     neutral   Yes. My bank offers very good terms and conditions on mortgage. There ’ s a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others.  
    neutral   I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher.     neutral   
 How does it work. Are they different from other kinds? For example, how should I decide when
 What kind? Of savings or current account.    surprise  Really, you