Normal use accounts, no credit cards necessary, maybe savings accounts options would be a good idea, I think they would be.
Yeah it's the Scott Pape partitioning thing ,that's the main thing really. Anything else like what Ubank offers would be interesting bonuses. We don't open and close accounts often, it's just so hard to get hold of the current bank to change anything. We've got to somehow be in the same place, for a phone call during business hours in the week. That's hard to coordinate, or even remember to coordinate for people working and with kids.