And if the bank ever needs to call me, they a) call and get unanswered, b) leave a note in my bank account's message system which c) sends me an email telling me I have an unread note and to log in to read it.

The few times this has happened, the note is simply 'call the bank's 0800 number and quote your account number', their robo menu will then automatically forward me to whoever is trying to reach me as soon as I hit the 'speak your account number' menu point (and if for some reason that fails, it then goes to a human operator who will then forward me to whoever was trying to reach me.

I've never even had a whiff of them being annoyed by this chain of events the 3 or 4 times it's triggered (always due to steam triggering fraud protection)