Online rip off HSBC Bank For five years I held a Savings and a Payment Checking Account at HSBC Online. I kept most of my money on the Savings and programmed several of my bills to be charge to the Payment Acct. Since the transfer of funds between those accounts is immediate, I used to command my transfers one day before the bills due date. Everything worked fine until last month. The transfer I schedule (2, 2K) was not performed, for some reason. When the charges (3) hit the Payment account the funds were not there. HSBC "kindly" paid the bills and assessed a $105 "Insufficient funds fee". I immediately called Customer Service, and after a long explanation they agreed to remove $70 dollars from that fee. I did not accepted that solution, I am absolutely sure I ordered the transaction, as I did every month for five year, and did not receive any error messages at that time. I start wondering if they do not deliberately create those "failed" transfer to rip customers off. So, I am closing all my accounts with HSBC and will engage in the almost impossible task of finding a fair financial institution. Beware if you hold accounts at HSBC. Check your account/balance online daily. If you have to make transfer between accounts, do it one extra day in advance, so you can go online and confirm the transfer was executed before the bills hit the account. Actually those advices should be observed for all banks, I think. They are out there to get us!