What is the best bank to bank with?

I am fed up with the service i am getting from llyods and want to move all my banking. i have 2 cuurent accounts 1 joint and the wife also has a current account. i am never in the red and always have some cash in one account for that rainy day.(1) can i move all my dd, so and payments with no fuss or cost (2) can i bank on line (3) no charges for having an account with then. any help out there. . . .
Answer
I dont know the best but the worst is citibank