[Gareth]

Like etc says, you're actually an ideal customer. Also, it's worth bearing in mind that you're earning your bank money as opposed to costing them money. As surprising as it may seem, they'd be more annoyed at someone leaving who has an overdraft with them, than they would be if that person ran their account impeccably and never went overdrawn. If you don't incur charges at all, you're costing the bank money, whereas they can charge you interest for your overdraft and hit you with penalties if you go beyond your limit. And, as etc points out, you're young so you're more likely to need a mortgage, buildings/contents insurance, life insurance, redundancy protection, credit card insurance, etc... than someone who has already arranged all of these things 30 years ago.

On another note, I saw an article where Neil Faulkner of the Motley Fool calculates that only 11% of customers have filed for claiming back charges, and 40% were even unaware that they could do this.