1. They mail you an account number. You go to try to log on with the password you thought you created initially. They shut you out permanently after your third try. You have to call to get unstuck.

2. They don’t tell you, but a few days later the password will also arrive in the mail.

3. If you go to change your password, it will likely tell you that it’s unacceptable, but give you no reason why. You search help, to discover that it must be 6-8 characters, with numbers. Why not tell you that when you are rejected? Then you create one 8 characters including two numbers, and it too is rejected. But simply dumping the numbers suddenly makes it acceptable.

4. All the other direct accounts I have make you give your bank info once, when they take the initial deposit. HSBC makes you do it again after getting your account info. Bu, hey, they don’t take back their verification deposits!

5. You cannot make bank to bank transfers witout setting up a Security Key. But when you set one up, it says sorry we can’t do it unless you have one of our credit/ATM cards. Another call to Customer Service to get someone to bypass this.

6. I was on hold for 20 minutes for each of the three calls I’ve had to make so far.

Did you get the $25 bonus yet?