Hello Wilchil64!
Get an Account that allows you on-line Access.
Then you can log-in at any time, and see where the bank thinks you are.
Likewise, you can pay Bills via BACS, when you are ready to pay.
Most BACS Transfers these days only take 2 hours, so it's getting pretty good, at long last.
Forget Cheques, because they take forever, and you tend to lose track of the damned things.
All banks are not to be trusted, but the lesser of many evils seems to be the Co-Op, or perhaps one of the Building Societies.
The key is on-line Access, and a bank that is not part of the same banking group as the one you use now.
Once you are on-line, you can transfer over what you need into your old bank Account, until such time as you can either dump it, or reduce the Overdraft to zero as you manage your funds and budgets.
Keep the old bank AC if you can, just as a fallback, a reverse Parachute Account if you like (one to have for later).
There's no reason not to, provided it doesn't cost you.
Do not let anyone have a Direct Debit on the new bank Account, keep that free of parasites. Use BACS or Standing Orders, never Direct Debit.
The one exception may have to be the Mortgage, but you could always leave that where it is, and BACS over the funds a day or two ahead of the payment going out.
The key is to regain full control over your money and funds, and that won't happen while elements of the Debt Industry are dipping into your bank Account when ever they feel like it.
The software suggestions are just to help and, as I say, you may be surprised how little you need to pay if you can find a copy on eBay or perhaps Amazon etc.
Cheers,
BRW