I opened my bank account when I was just a girl of seven. It was the jeans scheme of the original TSB bank, and I was so proud of the little denim bank book, although I sometimes wished I had joined the NatWest instead and got those piggies. Over the years I stayed with the same bank, until TSB and Lloyds Bank merged, and then un-merged in a Farage style manner. The accounts have changed over the years, but one thing has stayed the same, I don’t pay for my bank account. But many people do. The packaged bank account has become a trend in recent years. This is a…