I left HSBC in January because I found out that my branch decided independantly how to handle my money. My branch manager was such a fraud, he had allowed a check that was almost a year old, that I had put a stop payment on to be cashed when it was finally "found" in the mail... $700 something later in overdraft fees after everything else in my life went through, I decided to go to Wamu. I say three cents back is better than getting raped by the place that is supposed to be "managing" my money and helping me feel more secure. I've racked up a "whopping" 8 dollars so far, but who cares? I say thank you Wamu for giving me something back. All I ever got from HSBC was a headache.