I am part of the customers that got moved from HSBC to First Niagara. It was supposed to be smooth without glitches. It is not. First of all I am a mac user and quicken user. None works; I have to use a windows computer and internet explorer to use their online service !!! No download of activities and reconciliation of account with Quicken Essentials for Mac. Their credit card service does not provide also any online link to Quicken. Basically all what I was doing with HSBC online, I can't anymore. I went to HSBC because it was an international bank; not anymore. You have to go through Mellon Bank to handle any type of international transfer you may have; very inconvenient when you have family members overseas. By the way, I am still waiting for an answer to my emails from their customer support; actually to be fair I got one reply 48 hours later to one of my complaint: credit card: we do not support quicken download.
We deposited $1128 dollars into the account, and through the time it was in there on top of a payroll deposit as well, we continued to rack up $37 dollar fees (13 in all after the two days after the deposit) to a point where it was $500 +/- in the hole!
We asked for an explanation and all we received was that is the way the system works, something about debit places hold etc. I said OK could understand that on the day after but the majority (13 of them) were 5-6 days later, on debits of $30.00 we received $37.00 dollar charges. They will not and say they cannot do anything about it, a week before Christmas and 6 kids? We are 500 in the hole?
All i have to say about these reviews is if you took some personal responsibility there wouldn't be as many issues. Everytime there is a fee change or an account change the bank notifies you 60 days ahead of time... maybe you should read your mail and stop blaming the bank for your laziness!!! Also, the include statement inserts... so if you opened your statement it would avoid 2 issues: you would know about the fee change and how to avoid it and you wouldn't over draft your account because you would be able to properly balance your check book! I've worked for many many banks and they are ALL the same! The bottom line is the customers have to have some personal accountability we can't do your banking for you we can only provide you with the information you need to do your own banking