For five years I held a Savings and a Payment Checking Account at HSBC Online. I kept most of my money on the Savings and programmed several of my bills to be charge to the Payment Acct. Since the transfer of funds between those accounts is immediate, I used to command my transfers one day before the bills due date. Everything worked fine until last month. The transfer I schedule (2, 2K) was not performed, for some reason. When the charges (3) hit the Payment account the funds were not there. HSBC "kindly" paid the bills and assessed a... read full review »