Is there some huge advantage in keeping a current account with Ulster Bank until the bitter end?
It's not like moving a mortgage where you have to pay a much higher rate with the new lender.
Most current accounts are roughly speaking the same.
I wouldn't worry about fees because they are not that significant and not that different from each other. I would pick one for functionality and service.
It would be a good time for someone to do a survey of users of AIB, BoI and permanent tsb to see which has the greatest customer satisfaction.
In the UK, Which? would have done this a long time ago.
Brendan