Hey!
Well my RBS is used solely for 4 boring shared household DDs and a standing order. I wouldn’t need the app much other than the odd balance check (I did use RBS for cheque imaging but I work next door to a Coop branch and have trained my Gran to top up by link/card on Revolut now when she wishes to help out 
)
Beyond that I kept the BAM bank for the purposes I’ve referenced (prospective large payment)
I thought the secure messaging approach for CHAPS looked good as I’d have the provided bank details in black and white
I reckon it’d probably suit my needs - so yeah go ahead - will have the benefit of being opened as a joint account rather than separately as with Starling
Assuming joint accounts are eligible at the same amount? I’ve/we’ve never been with Coop before - msg me if you need to to get the ball rolling