I am starting to withdraw $ fm small banks and hope to concentrate altogether.
The final banks in my list are HSBC, HS, Bk of China, and ICBC.
I opened an account in HSBC last week, but I don't have the acct number until tomorrow. Not sure why it is so slow although my cheque is in front of me. Also, HSBC exposes itself into the US mortgage and UK mortgage risk. Not sure if this giant elephant will be pulled down if the mortgage is getting worse in the 2 big countries.
HS is good, but interest rate is too low and fee is too high.
Bk of China is good, but it is a big bank in HK, so I think (?) the interest rate is not attractive, and also Bk of China has more sub-prime mortgage in US.
So, finally I choose ICBC (Asia), which mother company is the biggest in China and mainly China gov't owned. It should be a safer company than Bk of China. Moreover, ICBC (Asia) is relatively a "small" bank in HK, so the interest rate is more attractive. I have 3.33% HKD fixed deposit rate for a month, and 6% for AUD. I can have foreign currency accts, stock and fund accounts, but it doesn't provide any gold acct.
[ 本帖最後由 b4321 於 2008-9-25 18:00 編輯 ]