First, is the proper web address http://www.hsbcdirect.com I'd hate to begin opening an account only to find out I'd reversed some letters and was on a rouge site. I've seen this online bank mentioned here, but have only personally dealt with ING, which I LOVE. I was considering the othr because of the higher interest rate and wishing to do some aggressive, yet liquid, savings over the next year. Any information is appreciated. Thx.