If you're looking for the most frustrating banking experience of your life, look no further. HSBC's phone and in-person representatives are polite but offer no substantial help. I have had issues for more than 6 months, called multiple times, and gone in-person to the branch and I have not had my issue resolved. All their processes are seemingly secure but actually could be streamlined to make it easier for the user and just as secure. I would tell anyone who wants a user-friendly experience, timely service, and hassle-free banking to take their service elsewhere.