Capital One Simple Savings + Rewards Checking vs HSBC Advance Savings + Bill Payment

Hello. How do Capital One Simple Savings + Rewards Checking compare overall to HSBC Advance Online Savings + Online Payment?

Capital One has a 1.55% APY ($1 min, $2500 to get 1.55%) with Rewards checking which has miles per check + billpay but the rewards program seems minimal. It offers full teller services but minimal product offerings. Starter checks given and checks must be purchased on your own. Capital One recently upgraded their system with ebills, better payment times and paperless billing.

HSBC Advance offers a 1.35% Rate on its Online Savings and .85% on its online billpayment service. ATM access only for Deposit and Withdrawl. The system is very outdated and clunky to use.

Does anyone know if both banks offer unlimited transfers for inhouse accounts to switch between savings and checking and have the same ACH policies?

Also how does customer service differ between the two?

Both banks are the highest NYC Metro rate banks I can find in the local market.

HSBC rebranded the product to Advance to freshen up the name so it seems better but the product offering is exactly the same while Capital one added improvements to their online systems.

Other NYC Metro banks are less competitive.

Capital One doesn't offer perks like free Bank Checks, traveller checks and higher rate tiers and premium features since it is a one size fits all bank. HSBC Online accounts also don't provide perks other than higher interest rates and ATM deposit/withdrawl access locally.

But between these 2 banks there are no direct deposit requirements, no minimum balance requirements and higher interest and less restrictive policies than other firms sans premium tier features.

Seem to be the most pro consumer banks in the marketplace right now for all the banks in my zipcode.