I used to be a big HSBC fan, but I fell out of love with them. I closed my account about a month ago. I hope my other long-time favorite GMAC stays in for the long haul.
I'm also surprised at the systemic rate drops. I disagreed with Aleta in another thread when she said they'd all drop, but she was right. (Apologies if Aleta is not a 'she'.
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I'll step further out on this cracking limb I'm on and say these lowered rates won't last. Inflation is going to rear its ugly head and the Fed will have to reverse the trend fast.