My recommended deal out there would be the Reward current account from Halifax. You are paid £100 for switching, which is credited as soon as your new account opens and then £5 a month every time you pay in over £1000, which for those working shouldn't be a problem.
There is an overdraft facility, but if you are one liable to regularly go into the red then this is probably not the account for you, as you'll be hit for £1 everyday that you remain overdrawn. You can apply on-line, as well in branch, but be quick because the offer ends at midnight on 19th February 2012.
Other than that, it is pretty par for the course - you get a Visa debit card, 24/7 telephone and on-line banking and a £300 ATM withdrawal limit. See the Banking & Finance page for the link.
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