I have been banking with cahoot since they started and must say the service has been on the whole patchy. Internet banking is a little scary really. You have to weight the advantages of being able to do things from work without going out in the rain with the fact that no branch network leaves you in a hole when cash machines refuse point blank to give you cash whilst telling you you have lots of money in your account.
What sold it for me though was the 0% credit card. Must check when that runs out :o)