Re: HSBC Direct $25 Bonus vs Emigrant Direct Bank (Is ING even in the competition?)
The major thing to note with HSBC: most of the customer service is outsourced to India (like vonage's) - you'll get a live person to talk to relatively quickly though, unlike with Emigrant. With ING, the customer service is very good IMO. The transaction times with HSBC is sluggish, like with Emigrant. The biggest benefit with HSBC is probably the chance to go to a real branch and conduct real banking. Daily compounding is a plus versus ING's monthly.
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