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HSBC is probably a good one, too.  Largest UK bank, if I'm not mistaken.  Probably not going to fail.

That said, my experience with them was incredibly frustrating.  They were very bureaucratic and generally just dumber than catshit.  I eventually wound up just using my BoA card with my American account.

The only issue I could possibly see is that I think HSBC largely does the online account thing.  Not a lot of branches in the states, or at least there weren't last I looked.  I don't personally like the idea of not being able to head down the road to the branch and get hold of my money.  (He who gets there first avoids the FDIC headache, after all.)  But I'm paranoid that way, having grown up in a household suffering a two-generations-long Depression Mentality.

And maybe they do have branches near you, which would make it an entirely different story.

Conservatives want live babies so they can raise them to be dead soldiers. - George Carlin

by Drew J Jones (myfriends@thisispancakes.com) on Mon Sep 15th, 2008 at 07:49:36 PM EST
[ Parent ]
Also, the question becomes, "Is HSBC America a completely separate entity from HSBC UK, and, if so, is it thus much more likely to fail than the parent?"

Conservatives want live babies so they can raise them to be dead soldiers. - George Carlin
by Drew J Jones (myfriends@thisispancakes.com) on Mon Sep 15th, 2008 at 07:51:59 PM EST
[ Parent ]
Right, and I don't know the answer.

I really like etrade - their online banking is the best in the business, which I will need while on the road for a year, and the security is awesome as well as it uses a security token. So in order to steal from my account, you need my username, password, and physical possession of the security token. Nice for when you stop by that internet cafe in India...

you are the media you consume.

by MillMan (millguy at gmail) on Mon Sep 15th, 2008 at 08:07:19 PM EST
[ Parent ]
Drew J Jones:
They were very bureaucratic and generally just dumber than catshit.

Do I even need to mention this normal for UK banks?

It took six weeks and five calls to my 'relationship manager' before my bank finally sent me a slip of paper with a phone number on it when I wanted to find out what was involved in setting up a credit card merchant account.

by ThatBritGuy (thatbritguy (at) googlemail.com) on Mon Sep 15th, 2008 at 08:15:36 PM EST
[ Parent ]
I was being nice, ya schmuck. ;)

Conservatives want live babies so they can raise them to be dead soldiers. - George Carlin
by Drew J Jones (myfriends@thisispancakes.com) on Mon Sep 15th, 2008 at 08:28:34 PM EST
[ Parent ]
Well I've just got a "We dont believe you have moved bring us something to prove you have a new address" letter in response to my "I've moved house letter"

Guess which address it got sent to. yes, the new one which they dont believe I've moved to.

and guess how many letters there are at my old address saying "Someones just tried to move your bank account" and yes that would be zero.

Any idiot can face a crisis - it's day to day living that wears you out.

by ceebs (ceebs (at) eurotrib (dot) com) on Mon Sep 15th, 2008 at 08:34:46 PM EST
[ Parent ]
I'd believe banks are legally supposed to have a "proof of adress" of their account owners. It would be dumb to ask for it at your old adress as they know you've moved...

Un roi sans divertissement est un homme plein de misères
by linca (antonin POINT lucas AROBASE gmail.com) on Tue Sep 16th, 2008 at 04:47:05 AM EST
[ Parent ]
Well if their letter had said that, rather than something along the liners of "We don't believe you've moved that would be fine.

Any idiot can face a crisis - it's day to day living that wears you out.
by ceebs (ceebs (at) eurotrib (dot) com) on Tue Sep 16th, 2008 at 05:14:12 AM EST
[ Parent ]
Which one will actually get a reply by your average lazy customer ?

Un roi sans divertissement est un homme plein de misères
by linca (antonin POINT lucas AROBASE gmail.com) on Tue Sep 16th, 2008 at 06:23:55 AM EST
[ Parent ]
Well I would have thought you'd send one out saying "We won't allow you to take any money out till you've shown us proof of address" rather than the two that give an option.  the sudden lack of money access would concentrate the mind.

Any idiot can face a crisis - it's day to day living that wears you out.
by ceebs (ceebs (at) eurotrib (dot) com) on Tue Sep 16th, 2008 at 07:34:25 AM EST
[ Parent ]

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