present perfect vs present simple

Nice _______________________ (have) a Youth Today Account for two years.

He says the account ___________________ (offer) many benefits.

For example, all secondary school pupils ________________ (receive) a free debit card.

Nick ___________________ (like) having a personal overdraft facility.

Nick likes having a personal overdraft facility, even though he __________________________ (never use) it.

______________ you __________________ (decide) to open a bank account?

And _____________ you __________________ (want) a convenient account that's good for you?

Do you want an account that _______________ (fit) your needs?

Nick's advice __________________ (be) to open a Youth Today account today.