Tried to switch a joint account to a fuss free first direct account. Not fuss free needs three passwords for Internet and three different pass words for telephone banking. You cannot switch a joint account on line. Apparently they want you to set up two accounts and then join them together. Decided not to switch as building society I was with for over 20 years was much more customer friendly. First direct has ruined my credit score by not deleting there hard search and calling me wilful. According to trustpilot other potential customers have had the same problems. The CEO and his team were no use. It certainly was not fuss free, quite the opposite. 69% bad feedback on trustpilot.