Well this is first of two very different reviews. We opened our joint account with M&S Bank about two years ago. The lovely service assistant, Janet, was really helpful and could not do enough to help us. We spent an entertaining two hours in the Merry Hill store while she explained the details of their banking service, opened up our new account and managed our internet access set up. This was all in middle of a heatwave. I have to say the M&S bank assistants all deserve five star reviews. I hope they have found new positions now all of the in store banking has been closed.