HSBC's website is not user-friendly at all. I feel very disappointed. Maybe I'm spoiled by the nice look of ING direct. But HSBC's website is just junky looking and on top of that they tried to withdraw the money from my account before it was even in there. (I scheduled a withdrawal to be taken out in about a week). Now I have an NSF fee..which I am counting on HSBC to give me back. The extra interest really doesn't seem worth the hassle....