The Community Interest Company legislation is an evolution that will change the way people do business in the UK
John Mulkerrin If you are having issues you should look at the Monzo, Starling, Revolut type online accounts. In essence they are credit accounts rather than debit accounts but you will be able to get an account for online banking, payments, direct debits etc but you wont get overdrafts etc.
A huge generalisation but they might be options, Co-op offer free banking via their Community Direct Plus Account, again these are not recommendations just products to research.
Best of luck