You've got me worried - I'm actually in the process of moving my bank account to HSBC. Jon's used them for years and the folk at our local branch know exactly who we are and bend over backwards to be helpful. I've been impressed so far. It was the fact that it took me over an hour at a branch of Barclays to get my address changed when we moved that was the final straw, and our joint account and mortgage is with them, so it made sense.