Whether it’s down to customer behaviour, cost-cutting or both, banks are closing branches left, right and centre – in fact, 100s of branches have been shutting their doors every year. So this week we wanted to know when you last used your main bank's branch. We last did this poll 18 months ago - so let's see if things have changed. Please select ONE option under the relevant category:

Credit cards are like fire. Used right and they're a useful tool, but get it wrong and they burn. So this week, we want to know if you have a credit card and if you do, how much debt – at 0% or otherwise – do you have on it? Please tell us your credit card balance under the relevant category.

So who are MoneySavers? For the sixth year running, rather than data-mining, we reckon the politest way to find out is just to ask. Plus we think you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). Welcome to the sixth annual MSE census. Please answer the following 11 questions.

Bank branches are closing and the digital revolution is taking over – not just online, but now with a host of app-based banks too. We wanted to find out how you access your bank and whether it depends on your age. Please select the way you MOST COMMONLY interact with your bank.

Retailers love us to have a relationship with them. Indeed, many feel an almost intimate connection with some brands, but wouldn't be seen dead crossing others' thresholds. So let's see… Please pick up to FIVE that you love and up to FIVE that you loathe...

Buying new school uniform can be a costly exercise – especially if your child has to wear pricey branded items. So does your child's school let you buy from supermarkets, or are you restricted to a specific shop? Which of these is closest to your situation? You can vote in each category if you've got children in different schools.

Two in five debit card payments were made using contactless last year. Yet at the moment, the maximum amount you can spend using contactless is just £30 (barring some using Apple Pay), which is done to cap spending if someone takes your card. While of course it'd be nice if limits could be personalised, if not, where would you say it should be set?

So are we a nation of savers or debtors? Take any unsecured debt (ie, EXCLUDING ANY MORTGAGE/STUDENT LOAN) away from any savings and where do you end up? Whether you've "net worth" or "net debt", pick your relevant option:

Every six months, we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which have got better or worse. So, please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Ignore rates or any other products, and service if it's more than six months old.

We can tell you which are the cheapest broadband providers, but to keep our customer service ratings updated, we need your help. Please rate your BROADBAND provider on customer service (not price) over the past SIX MONTHS. Switched broadband recently? Rate the provider you were with the longest over the last SIX MONTHS.