crud fratkid, I forgot you were waiting...my checks arrived Tuesday so that would be 6 full days (4 business) after opening the account. (add in last Tuesday night when I opened the account and this Tuesday morning before the mail came and you technically get 7 days)

two books too (my HSA only sent me one book), that should last me quite a long time if not forever since I imagine I would be more likely to use the check card.

agreed about the ease of use on the web site, but let's remember, ED and ING (I don't know anything about HSBC) are so difficult to get into for a reason....multiple layers of security but I'm not too worried about it.