Thugs? Get over yourself. They're a bank, like any other.
Read the terms and conditions. Before you throw hundreds of thousands of dollars into a scheme. That way, you're:
A) educated as to the charges
B) consequently not likely to throw hundreds of thousands of dollars into it.
I use HSBC, and they have been great. I use them for....... Storing my money. And an investment account for stocks. I'm in control.