[ripwho]

As I'm still working for a major intl bank (the 'worlds local bank' that happens to have hsbc in it;s name!!), I do know we spend alot of time trying to distinguish ourselves from all the others. The bank has an SVP whose sole job function is to focus on customer service... we try but I'm sure sometimes miss the mark. We do understand that customer service is at the top of the list in retaining customers and acquiring new ones. CS is the tiebreaker in alot of cases . While I'm on my soapbox, check out our online products. We've had alot of success with the online savings product - no mins, totally liquid and the highest rate inthe USA (better than ING)...I should know as I manage the systems behind it and am a customer myself!!!