With the financial crisis seemingly behind the bank, is latest advert features staff members running a radio station. To the soundtrack of "Gold" by Spandau Ballet, they find excuses to give each other "high fives", so promoting the bank's current account that pays £5 a month to customers (as long as you pay in £1,000 a month).  Halifax, the former building society that now belongs to the part-nationalised Lloyds Banking Group, is well known for its adverts featuring its own staff.  Howard, the frontman of its earlier efforts, went on to become a star in his own right (he even released a charity single, You're the First, The Last, My Everything, that reached the top 20), although his ads were regularly voted among the most annoying on television.  It is not the first time Halifax has flirted with the gold theme. Its infamous Liquid Gold account – promoted as a "nice little earner'' by George Cole in his role as Arthur Daley from the Minder TV series in the 1980s – still has thousands of savers despite paying a paltry interest rate of 0.05pc.  Customers may also remember that late last year the bank changed its charging structure so that anyone using an arranged overdraft of up to £2,500 would now be charged £1 a day for each day they use their overdraft. If they use an agreed overdraft of more than £2,500 the daily charge is doubled to £2.  Steve Griffiths, director of brand and customer marketing for Halifax, reckons its new advertising campaign focuses on "the core message that Halifax rewards its customers for their business and shows that our colleagues are enthusiastic, friendly and approachable".  He added: "We have a long history of entertaining adverts that feature colleagues and our latest adverts build on this heritage."  But every family in the country faces a liability of £5,500 as a result of the state bail-out of the banking industry, it has been claimed. So would you give this advert the high fives? Use the comment box below to have your say.
Halifax's latest TV ad boasts of giving its customers a little extra help with    a fiver a month &ndash; yet bailing out banks such as Halifax has cost families    around &pound;5,500 each.