Hi,
I've gone for the natwest step account as they offer a DD facility as well as the cash card. I'm hoping you can have internet banking with it. I'll let you know. I'm interested in Bookworm's comment about Barclays and paying in before 3pm as this is what I've done before now & they've still bounced DD's all over the place with me and charged me.
Sorry if this counts as a hijacking, still haven't sussed that one yet.