I know someone who has a Bank of Bermuda -- an HSBC Group bank-- Premier account with less than 25,000 in it on a consistent basis. Though it was set-up by this person's private banker by HSBC (Private Bank) in the US which supposedly has more than 100,000 in it. You probably have to have 100K to open, and then can reduce but they may catch on - especially when you have a dedicated relationship manager who knows thier clients well.