Hmmm - this sounds very depressing, I was banking on a year's salary when I finally decide to go.
I'm willing to bet that you could take the piss in a way that didn't lead to a misconduct charge but at the same time made them want to get rid of you. Plus, with banks moving more and more people to low cost centres I would think they would be pretty open to a 60+ person approaching them and saying I'm ready to leave for a redundancy package. It's one year' cost for many years savings.