I agreed with all others, this bank is worth 1 star the most. I live at 23rd Street NYC. In the pandemic period, I helped my mother to open a new account in HSBC for the first time for the purpose of earning a bonus. The bank had 2 occasions giving me the impression that its staff's not honest. The first, when I went with my mother to the branch on the third Ave, I left to get a document. When I came back, the staff already processed a credit card paperwork for my mother, I told her to stop several times, we did not want the credit card, and she promised to stop the process. And the next week, in my mother's account there is a new credit card. I called to cancel it. So what is the HSBC credit for customers' trust to deposit their money in it? Your staff is not trustful when she has some bonus to earn. This is like a Chinese company, not being trusted. I mean when I entered the office I smelt some kind of Chinese culture. I am Chinese I know it. The second, after my mother followed the instructions to earn the bonus, for several months the bank did not give her the bonus, I called customer service, the first time is a Hongkong office people picked up, she promised it will respond to me in 1 week, and three weeks passed no one responded. I called the customer service again, this time an Indian picked up the phone, and also promised me to respond in 1 week. Two weeks passed, none responded. I emailed the customer service three times, asking for the bonus, no one responded. I did not really want bonus, but at least they need to respond me and tell me what happened. I wrote an email to close the account, and told them I was not responsible for the charge they were slow to close the account, this time they responded fast. Overall, HSBC is not like a British bank. it is like a Chinese bank, no credit, no trust. Pay attention to it. My experience is real. If it cheated your small amount, it will cheat you bigger. I will never have any business with this bank since then, and not encourage people to do business with this bank.