I hope people should know that banks are not banks without charges. I have several other accounts aside from Hsbc, and nothing makes difference, it's only that some other banks like QNB,just keep on deducting the charges like if your account is inactive in a month, if your balance is less than the minimum, and my saving account, earned nothing for years...
All services rendered are charged,,,but make sure, you read and understand all these before signing an application to open an account, and if you don't agree, then don't open an account.

"There's nothing we can do to change the past, if it teaches  you a lesson profit from it then, forget it."