# FYI: HSBC Online-Only Savings 4.25% APY **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [January 3, 2008, 11:09am UTC](https://forums.speedlife.net/t/fyi-hsbc-online-only-savings-4-25-apy/41158 "2008-01-03T11:09:47Z")\ **Posts on this page:** 1\ **Showing post:** 22
**Author:** ![eclipsed](https://avatars.discourse-cdn.com/v4/letter/e/bbce88/32.png) [@eclipsed](https://forums.speedlife.net/u/eclipsed)\ **Post date:** [January 3, 2008, 12:55pm UTC](https://forums.speedlife.net/t/fyi-hsbc-online-only-savings-4-25-apy/41158/22 "2008-01-03T12:55:58Z")
> [@Avatar](#): > > Maybe, but overall they are horrible. I didn’t even bank with them when I worked there. Their loan rates are shitty and customer service hideous. Plus I’d rather bank with HSBC and find a branch anywhere than a smaller regional bank anyday. LOL what is horrible about m&t? and for that matter, i dare you to differentiate their consumer lending and consumer banking products as well as customer service from another bank. also, in terms of comparing m&t to other lending institutions, m&t was one of the lesser contributors to the sub-prime mortgage fall out. when comparing m&t’s write down of sub-prime mortgage assets to the competition, their main mortgage business was not nearly as dependent on crappy high risk loans. so from an investment perspective, m&t is certainly not crap (again, comparing within their industry). sounds like your main beef with m&t is that they are regional. to each his own, i guess. sorry to get off topic, back on :rolljerk: --- _[View the full topic](https://forums.speedlife.net/t/fyi-hsbc-online-only-savings-4-25-apy/41158)._