Work out what to look for in a bank or savings account

Help me work out what to look for in a bank or savings account.

What I need it for: [everyday spending, emergency savings, goal saving]
What annoys me about my current account: [list, or "I don't have one"]
Must-haves: [e.g. no monthly fee, good app, branch nearby, FSCS protection]
Nice-to-haves: [cashback, pots, joint account]
Any constraints: [bad credit, under 18, non-UK]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A must-have versus nice-to-have checklist for my situation.
2. Fees and traps to look for on any provider's page.
3. Questions to answer before I switch or open one.
4. Remind me that FSCS protection and up-to-date rates must be checked on official pages.
5. Point me to MoneyHelper for guidance, and do not name a 'best' bank.

Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.