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Select Account?

Firstly, Happy New Year to you all. May this be the year we all become debt free!!
Secondly, this is my first post but I felt that it was time to be as pro-active on these boards as I am attempting to be with my finances. My questions is this, I currently pay £7 a month for the privilage of having a Lloyds Select account and as far as I can see the only benefit I have ever used is the AA cover. Should I change the account to a basic account, and if I should do I just go into the bank and ask them? I'm afraid that up until now I have been a 'head in the sand' kind of girl when it came to money so any advice would be much appreciated.
:rotfl:

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