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In my attempt to take advantage of HSBCDirect’s 4.8% interest rate, I hurried up and put my application in. After going through a length application form (although you do get to do it online), I set up a savings account with them and thought it was all good to go. Not until I was ready to wire in some more money that I found out HSBCDirect doesn’t really naturally link to other checking account. You need a separate pin number in addition to your online password and account number. Not to mention both of these numbers will only arrive via mail. The worst part is that you will have to deal with their banking branch to set up your second pin. And who knows what process I have to deal with after getting a gazillions different pins and ids. I start to scratch my head… Where is this “Direct” part of the “online” banking? I know I am done with HSBC. It’s way too complicated for my little cow brain to handle.
ING Direct, on the other hand, is designed to deal with online transactions without local branches. I am really a big fan of ING. By the way, they just raised the rate to 4%, although it does mean that all of the loan rates are rising too.
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