I had HSBC. When at the first of the year it dropped to .9% I decided I'd had enough. I'm not keeping as much in regular savings as I used to, so the interest wasn't enough for the online waits. I moved it all into my local bank, which is less than that, but a little less than hardly anything is negligible. I'm happy with the decision - it's more accessible since online transfers to and from checking are instantaneous.
Online savings accounts used to be a really good deal, but no more.
That didn't answer your question, but the vent felt good. Thanks for indulging me!