Gillie,
I think for the next 2 months ptsb will still give free banking subject to lodging 1,500 +per mth into current account.
Call to any ptsb and or phone them to be sure.
On closing AIB ac the system is set up to seamlessly transfer over dd,s so,s etc, the bank does this.
(I am sure there maybe some glitches)
With mortgage check things like ,have you too much insurance? is your insurance competitive.Would it pay you to change (or threaten )
If electricity provider @ home charges more than 15 cent per unit ,change = save 150 per year if you are on standard charges.