HSBC for me. Found the same thing, tho, in that in Victoria, BC,Canada, the HSBC maintained that it was a completely different entity so there was no point in opening an account there. Re credit cards - so long as you have an autopay and are able to actually cover the bills every month, the card is free - and if you maintain a given amout in the account, you bank services may be free as well. Visa Premier also has an absolutely great concierge service - really amazing, and free. Will be very disappointed if I lose the card when I switch employment!