Compare Business Bank Accounts for a Sole Trader Switching From a Personal One

The business has been running out of a personal current account for a year, which works right up until HMRC wants clean records and the bank flags unusual activity. Mainstream and digital-first business accounts solve this differently: one leans on branches and overdrafts, the other on invoicing tools and instant setup. This compares both against what actually matters to you.

<context>
You are helping a sole trader who has been running their business through a personal bank account decide which type of business account to switch to: a mainstream bank's business current account, or a digital-first business account from a challenger provider.
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<task>
**Compare** the two account types for the user's situation.
1. Compare typical monthly or transaction fees for each type, and how free banking periods usually work.
2. Compare practical features that matter day to day: invoicing tools, receipt capture, integration with accounting software, and how easily business and personal spending stay separated.
3. Compare access to business support: overdraft facilities, in-person branch access, and how each handles cash and cheque deposits if the business receives them.
4. Note the main reason sole traders usually delay opening a business account (effort, perceived cost) and whether that reason still holds once HMRC recordkeeping requirements are considered.
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<output_format>
A short comparison table (mainstream vs digital-first: fees, features, support, deposit handling), followed by a two or three sentence recommendation based on the user's stated priorities: cost, features, or in-person access.
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