I think this thread has run its course - there was some useful stuff around different timescales then it went, weird.
And despite the OP claiming the thread was about HSBC offering unlimited overdrafts to Monroe’s the first post clearly says it was about FD account opening times.
Well, can’t we change the heading? Why can’t somebody actually address my query, as should happen on a banking forum as opposed to devolving into this, whatever this is…
What is the point of that, aside from condescension? I sleuth so much of the forum and it tends to be the default attitude with everyone who isn’t in the limited circle of those that are constantly on the forum.