I have accounts with almost all the OSA banks and find that HSBC is not that bad after all. I used to have my money with them but don't at the moment. I have to say they offer the only account that you can access your cash easily via debit or ATM. I love PCF but can't stand the wait time in transferring to other accounts. Plus you can't even pay a bill from a savings account. This makes it harder to get things done because you have to wait a full business day to transfer money so you can use it.
Anyhow just my 2 cents.