Hsbc

Ive been a member of hsbc for about 6years now and my boyfriend has been a member for about 9years, we thought they were very good which is why we were with them for so long.
Recently joining another bank for a mortgage we realised thst hsbc wasnt so great after all they pay very poor interest on joint accounts (we have now switched) and the difference is astonishing!
The other problem is you find out how unhelpfull they actually are when you get into a bit of problems with your overdraft (my boyfriend) they just keep adding those charges. anyway i dont have an overdraft with them but when i went overdrawn by £16 which i put money back into straight away i was surprised to see i had been charged £16 aswell, i was shocked but very glad i rang up because they refunded the extortionate charge and the customer service i recieved was very good that day.
Sometimes thay are good but their interest rates are getting lower and lower.