[Mixelflick]

Agreed.

I'm at HSBC and loving it right now. You can find slightly better rates here and there with higher balances, but for no minimums and the highest consistent rate out there, (not a promotion) HSBC is it.

And yes, it does take a little longer to open an account. In retrospect though, I actually feel good about it. The security measures they take are cumbersome but once it's set up, reassuring.