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i have one...it starts off as 5% for the first year, after that it fluctuates....right now i bounce back and forth between 4.25 & 4.5% which is still great.....the key is you CANNOT deposit or withdraw through the HSBC bank...you must link the account to your other savings accounts online and you can only transfer funds online....it takes about 3 days.....i use it as our wedding fund so i dont access it very often, i put a load of money in it and just let it sit for the most part.......i made like $500 in interest last year!
