don't know how to edit the wiki, but maybe themicah or another user can do it for me. HSBC doesn't charge any flat fees above the 3% forex fee for atm withdrawals for both it's online payment and online savings accounts.

http://www.us.hsbc.com/1/2/3/persona...oao_disc#disc3

the eft fee list was updated 11/07, so it's the most recent copy. for those two online accounts, the fee should be a flat 3%.