You’ve got good answers here 
Topping up is just as easy, we have reached out to the community due to the costing of stripe tops. We would prefer transfers into your account as it costs us less. You could even set up a standing order of the money you choose to use for monthly spending 
We do report our current accounts to call credit. Any searches we make are soft searches. This is how mine appears on Noddle:
The overdraft feature is slowly being rolled out. This is an opt-in feature and if we can exclude you from these products if you contact us and request this. We want you in control of your money 
Let me know if you have any further questions, @anon59948793!