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Old 04-08-2018, 11:49 AM   #3441
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Join Date: Oct 2003
Posts: 14,287
Any excess beyond $100k in hsbc, u will earn an effective interest of 1.6% with hsbc.

so really no difference from esaver except that esaver pays the bonus interest much earlier than hsbc, plus u diversify and sdic.
hsbc bonus interest is a pain, i like uob high yield and esavers more, last day of every mth more convenient

Realized personal account balance doesn't count towards joint account min bal. Kenna $50 charge today for my JA even though I have bal in personal account
yes they are mutually exclusive, RM can waive for you
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