Boycotts are important. Yes, the Halifax along with a few other banks have a complete monopoly. But while there is any choice at all people should move. Even if all the banks are owned by the same parent bank, it's still important to boycott such companies. The people at the top might not care but you can show employees that if they work for such a company they may find themselves out of a job. You can show employees that they should be putting pressure on their bosses and refusing to go along with nonsense. Time is runnng out and so is my patience with people who just want a quiet life.