Which services offered by your band do you use most ?   I use several services . Of course , I deposit and withdraw money quite often . I often use my ATM card to take money out of my current account . I use my bank to exchange money form once currency t   Do you ever ask you bank for traveller's cheques ? They are much safer than carrying lots of cash around .   I sometimes use traveller's cheques , but sometimes I travel to countries where they are hard to exchange for cash .   Do you use your bank to pay your utility bills ? I use direct debit .   Yes , I do . It saves me a lot of time . I also have standing orders for my subscriptions to magazines .   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 . 