How do I link external accounts?

• Log on to your account.
• Click on the Bank-to-Bank Transfers tab in the left navigation (a pop-up window will appear).
• Within the pop-up window, find the Add Accounts tab.
• Follow instructions and click "submit."
• You'll need your bank name, 9-digit routing number, and account number. Link as many accounts as you want; there's no limit.
• Once your external accounts are linked to your HSBC accounts, you can set up recurring transfers for regular payments and savings, or manage them yourself any time you log on.

How many external accounts can I link?

There's no limit. You can link as many external accounts as you like to your HSBC accounts.

What's the advantage of linking your HSBC accounts?

When you link your accounts, they work together to help you make the most of your money.

• Transfer funds instantly between all of your HSBC deposit accounts in the US to make the most of every dollar.
• Set up automatic transfers in and out of your HSBC deposit accounts in the US, so it's as easy to grow your savings as it is to pay bills.

How do I make a deposit?

You can make deposits starting five business days after your initial deposit by:

• Setting up Direct Deposit with your employer.
• Transferring money from any linked account.
• Using any HSBC ATM in the United States.
• Sending money from an unlinked account via wire transfer. Our ABA/Fedwire number is 021001088.
• Sending your deposit by mail. Make the check payable to yourself. On the back of the check, write "For Deposit Only." Sign your name and write your 9-digit HSBC account number. Mail the check to:
  HSBC Bank USA, N.A.
  P.O. Box 2690
  Buffalo, NY 14240-2690

Don’t forget to include a completed HSBC deposit slip.

How do I set up Direct Deposits to my Online Payment or Online Savings Account?

Check with your employer to see if they allow direct deposits and how to set them up. Your employer will need both your account number and our routing number: 022000020. Or, you can print this Direct Deposit Transfer Letter and take it to your employer. Most employers should accept this form.

How do I make a withdrawals?

You can make withdrawals in several ways:

• Withdraw money at any ATM.
• Electronically transfer funds to any linked account.
• Request that we mail you a check by sending us a BankMail.

How quickly can I transfer money between linked accounts?

You can transfer funds between your HSBC deposit accounts instantly. The time it takes for transfers between other linked accounts may vary, but you can expect it to take up to three business days.

How do I make transfers from an unlinked account?

You can always transfer funds into your HSBC accounts from other financial institutions. To set up the transfer, call the institution you want to make the transfer from — they'll need your HSBC account number and the HSBC routing number: 021001088.

How do I set up recurring transfers between accounts?

Click on the Bank-to-Bank Transfers tab within Personal Internet Banking (a pop-up window will appear). Then follow these simple steps:

• Within the pop-up window, find the Transfer Funds tab.
• Select "Recurring Transfer."
• Choose the account you want to transfer money from and enter the amount you want to transfer.
• Choose how often you want to transfer those funds (from every week to every three months).

Set up as many Recurring Transfer Plans as you want. There's no fee.

How many transfers may I make?

Your ability to make transfers from your savings or money market account is restricted by Federal Reserve Board Regulation D. For each money market account or savings account, you are limited to six pre-authorized, automatic, computer or telephone transfers in any month (A month may be either a calendar month or a statement cycle month). These transfers include transfers made through Internet Banking. No more than three (3) of your six (6) such transfers may be made by check, draft, debit card, or similar order made payable to a third party if permitted by your account.

The following transfers do not count towards the limit:

1. Transfer or withdrawal requests made in writing and delivered in the mail or by a messenger
2. Transfers or withdrawals made at an ATM

NOTE: Federal Reserve Regulation D requires the Bank to monitor all such accounts for activity exceeding certain limits and to remind the customer of these limits and/or take appropriate action when the Bank finds that the customer has exceeded these limits in any given monthly statement cycle.

What can I do to comply with Federal Regulation D?

Once a savings or money market account has violated the Regulation D limits, HSBC will notify you and may convert the account to a transaction type account or close the account.

You can take these easy steps to comply with Federal Regulation D:

• If you have multiple automatic transfers setup within Internet Banking from your savings or money market account to other accounts, consider scheduling one large transfer from your savings or money market to your checking, and reschedule the multiple transfers to come from your checking account.
• If your Direct Deposit goes in to your savings or money market account and you frequently transfer money from that account as needed via phone or Internet Banking, consider setting up your Direct Deposit so that the majority of it goes in to your checking and a smaller portion goes in to your Savings.
• If you pay bills through a third party from your savings and money market account, consider rescheduling those bills to pay from your checking account and make one large transfer a month from your savings or money market account to your checking to cover those bills.

How do I schedule payments from my Online Payment Account? Can I schedule recurring payments?

It's easy to schedule one-time and recurring payments from your account:

1. Log on to your account and select "Pay Bills" from your Personal Internet Banking page.
2. Choose "Add a Payee" from the menu, then enter the name, address and account number for each of your bills. You should find all of this information listed on your actual bill. We'll store your payees so you only need to add them once.
3. Choose "One-Time Payment" or "Recurring Payment," select a payee, and enter the amount and the date you want your bill sent.
4. Click "Continue," confirm your payment, and you're done. Your payment will be sent on the day you requested.

To avoid a late payment, always schedule your payment at least five business days before your bill is due to allow for processing time.

How are my bills paid when I schedule a payment through my Online Payment Account?

There are three ways your bills are paid: Electronic Payment, Corporate Check and Laser Draft. This means whichever form of payment your payee accepts, we can get them your payment.

Can I send a rush payment from my Online Payment Account?

Unfortunately, we can't schedule rush payments from your Online Payment Account. In general, to avoid late payments, always schedule your payment at least five business days before your bill is due to allow for processing time. If you need to make a payment faster than this, contact the payee directly to make other arrangements.

How do I request an ATM or debit card after I've opened my account?

Request a card anytime by sending us a BankMail or calling 1-800-975-4722. We'll send your card by mail 7-10 days from the date we receive your request. For security purposes, we will send you a randomly generated PIN number within 5-7 business days.

If I have multiple HSBC accounts, which ones will I access with my ATM or debit card?

You can designate your primary accounts and ATM preferences by sending us a BankMail with your preferences through Personal Internet Banking. Or call our Customer Relationship Center at 1-888-404-4050 to adjust your settings.

How do I change the PIN for my ATM or debit card?

If you know your current PIN and want to change it immediately, call our automated service at 1-888-619-9667. Be sure to have your card associated with the PIN that you are changing handy.

How do I get a new PIN for my ATM or debit card?

If you do not know your current PIN, call HSBC at 1-888-404-4050 and we will order a PIN reminder to be sent to you. Once you receive the reminder, usually within 5-7 business days, you can call 1-888-619-9667 to change it immediately.

To change your PIN, fax or mail a request to:

Fax: 1-716-841-2280

Mail: HSBC Bank USA, N.A.
Customer Relationship Center
P.O. Box 1183
Buffalo, NY 14240

You must include: A copy of your state-issued ID; your new pin number; your ATM card number; your signature.

What do I do if I lose my ATM or debit card?

If you lose your card, call 1-888-404-4050 immediately. We'll help you request a new card and take care of any security concerns right away.

How will I be reimbursed for fees charged by the ATM network when using my Online Payment Account Debit Card?

HSBC won't charge you any fees at an HSBC ATM, but if you use a non-HSBC ATM you could be charged a fee by the owner of the ATM. While we can't help you avoid this, we'll fully reimburse your account up to three U.S. non-HSBC ATM surcharge/convenience fees per month. The full amount of the fees, based upon the date HSBC posts the fee to your account, will be credited to your Online Payment Account on the first business day of the following calendar month.