I am really pleased to hear that your bankruptcy is finished. Congratulations on your discharge I agree with the advice already given regarding speaking to the OR. It won't hurt and it will give you peace of mind.
Hayden is quite right regarding the income payment agreement. If this has not been set up before you are discharged, then the OR loses the opportunity. As you have had no IPA set up, then if your income increases in the future this extra money will be yours to keep. If you have a windfall then this will be yours to keep as well.
Do let us know how you get on with opening your new bank account. I would think to think that Co-Op will help you without issue.