FAQs

Why was HSBC Direct renamed HSBC Advance? What happened to HSBC Direct?

The name change is consistent with HSBC's global focus. Nothing about your online-only accounts will change. You will still enjoy the same features and benefits, and no monthly fees. Your Online Savings Account, Online Payment Account and Online CDs are still supported and delivered to you by HSBC Bank USA, N.A.

Why can't I find the Online Payment Account information links on your website anymore?

As of August 16,2010, the Online Payment Account is no longer being offered for new account opening or conversion of existing accounts. If you currently have an Online Payment Account, you may continue to use all the feature of your account as you do today.

What are trial deposits? How do I verify them?

Trial deposits are simply test deposits we make into the account you are using to fund your new HSBC account. It's a secure way for us to verify that you are the account owner. We start by making two small deposits into that account for less than $1.00 each. A withdrawal for the total of the two deposits is also made from the same account at the same time. To verify your trial deposits:

1. Look for an email from HSBC within 2 business days of submitting your application, notifying you that we've made the trial deposits to your account. A withdrawal for the total amount of the two deposits will also be made at the same time from the same account.
2. Check your account statement online or inquire directly with your account provider to identify the two deposit amounts. Deposit amounts should appear as TRIALCREDT. You will also see one withdrawal from your account identified as TRIALDEBIT, you will not need the TRIALDEBIT amount for the verification process.
3. Confirm your deposits at HSBCadvanceUSA.com. Choose “Resume Application,” then follow the instructions to confirm your deposits.
4. Enter the amounts carefully. You'll have three chances to do so correctly. After that, you'll need to fund your account by mailing a check.

If you get an error message stating “You cannot use this account,” you'll need to use a different account to fund your initial deposit.

What is an Online Certificate of Deposit (CD)?

It's a high-yield Certificate of Deposit, that provides a fixed rate of return for the term of the product. With no monthly fees, you are guaranteed a specific amount at the maturity date, provided no early withdrawals are made from the account.

With Online CDs, you can automatically roll over your matured Online CD to an Online CD of the same term at the then-current interest rate and APY or transfer your CD principal and interest to the Online Payment Account or Online Savings Account within the grace period without penalty.

What is an Online Savings Account?

It's a high-yield savings account you manage online to make the most of your savings. There are no monthly fees, no balance minimums, and you can access your money anytime. You can link your Online Savings Account to any other account, so it's just as easy to add to your savings as it is to access it.

Where do I do my banking when I open an online-only, product such as the Online Savings Account?

Our Online Savings, Online Payment, and Online CD accounts operate exclusively online, so you can manage your account anywhere you can access the Internet. With the ATM or debit card, that comes with your online accounts, you can use HSBC ATMs for many basic transactions to manage yur Online Payment and Online Savings Accounts and make withdrawals from nearly any ATMs in the US.

How do I set up recurring transfers between accounts for my Online Savings or Online Payment Accounts?

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

1. Within the pop-up window, find the Transfer Funds tab.
2. Select 'Recurring Transfer."
3. Choose the account you want to transfer money from and enter the amount you want to transfer.
4. Choose how often you want to transfer those funds (from every week to every 3 months).

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

Note: Recurring transfers are not allowed for an Online CD.

What do I do if I forget my username and password?

If you forget your username, call us at 1-888-404-4050 and we'll be happy to remind you. If you forget your password, click on the "Forgot Your Password" option on the Log-on page for simple instructions.

How do I know my account is secure?

When you log on to your account, you'll be asked for your customer username, password, and security key. Only you can access your HSBC accounts, make transfers to your linked accounts, or perform other related banking requests.

Learn more by visiting Security

I need more help. How do I reach a live person?

We are always happy to help. There are several ways to reach us:

For help completing an application:

• Call us 24/7 at 1-888-404-4050.
• Click on the "Click to Talk" button within the application.

For help with an existing account:

• Log on and send us a secure BankMail.
• Click on "Contact Us" to request a phone call from an associate.
• Call us 24/7 at 1-888-404-4050.
• Outside the U.S. call +1-716-841-7695.

Who is HSBC?

The HSBC Group is headquartered in London, and sereves customers worldwid with around 8,500 offices in 86 countries and territories. HSBC is one of the world's largest banking and financial services organizations. In the U.S., HSBC deposit products are offered by HSBC Bank USA, N. A. which has over 475 branches in the U.S.

Where do I do my banking when I open an online only, product such as the Online Savings Account?

Our Online Savings, Online Payment, and Online CD accounts operate exclusively online, so you can manage your account anywhere you can access the Internet. With the ATM or debit card that comes with your online accounts, you can use HSBC ATMs for many basic transactions to manage your Online Payment and Online Savings Accounts and make withdrawals from nearly any ATM in the US.

How quickly can I access the money in my Online Savings or Online Payment Account?

Unlike a CD where your money would be committed for a certain term, your money stays accessible in our Online Savings and Online Payment Accounts, so you can get to it whenever you want. (Online Savings Account subject to transfer limits.)

• Withdraw cash anytime at an ATM with your ATM or debit card.
• Transfer funds instantly between your linked HSBC accounts.
• Transfer funds within 3 business days to or from any linked external account.

What do I do if I forget my username and password?

If you forget your username, call us at 1-888-404-4050 and we'll be happy to remind you. If you forget your password, click on the "Forgot Your Password" option on the Log-on page for simple instructions.

I need more help. How do I reach a live person?

We are always happy to help. There are several ways to reach us:

For help completing an application:

• Call us 24/7 at 1-888-404-4050.
• Click on the "Click to Talk" button within the application.

For help with an existing account:

• Log on and send us a secure BankMail.
• Click on "Contact Us" (on the lower left of HSBCadvanceUSA.com) to request a phone call from an associate.
• Call us 24/7 at 1-888-404-4050.
• Outside the U.S. call +1-716-841-7695.

What is an Online Savings Account?

It's a high-yield savings account you manage online to make the most of your savings. There are no monthly fees, no balance minimums, and you can access your money anytime. You can link your Online Savings Account to any other account, so it's just as easy to add to your savings as it is to access it.

How does an Online Savings Account compare to a traditional savings account?

The Online Savings Account offers a higher rate than traditional savings accounts. You manage your savings entirely online, instead of visiting a branch. You can access your money 24/7 at any ATM or by making transfers online. (Transfer limits apply.)

How is my interest calculated on an Online Savings Account?

HSBC uses the "Daily Available Balance" method which applies a daily periodic rate to the available balance in the account each day. Available Balance is the balance in your account each day minus (-) any deposited non-cash item (e.g., checks) for which we have not yet received credit.

How is my interest calculated on an Online Payment Account?

HSBC uses the “Daily Available Balance” method, which applies a periodic rate (e.g., monthly or quarterly) against the average daily available balance for the period. The Average Daily Available Balance is determined by adding the available balance in the account for each day of the period and dividing that figure by the number of days in the period. Available Balance is the balance in your account each day minus (-) any deposited non-cash items (e.g., checks) for which we have not yet received credit.

What's the difference between interest rate and Annual Percentage Yield (APY)?

The interest rate is the non-compounded interest rate applied to account balances. The APY is the percentage of interest you earn on your account annually, based on the interest rate and the frequency of compounding for a 365-day period.

What is an Online Certificate of Deposit (CD)?

It's a high-yield Certificate of Deposit that provides a fixed rate of return for the term of the product. With no monthly fees, you are guaranteed a specific amount at the maturity date provided no early withdrawals are made from the account.

With Online CDs, you can automatically roll over your matured Online CD to an Online CD of the same term at the then-current interest rate and APY or transfer your CD principal and interest to the Online Payment Account or Online Savings Account within the grace period without penalty.

What is the maturity date for Online CD?

The maturity date is the day when the Online CD stops earning interest for that term and is based on the length or term of the Online CD. Refer to your e-Receipt for the maturity date.

What is the grace period for an Online CD?

The grace period starts on the Online CD maturity date and is 10 calendar days long including the maturity date. During this period of time you can roll your Online CD to another Online CD, as well as add or withdraw principal without penalty. If you do not make any changes during the grace period, your Online CD will automatically rollover to an Online CD of the same term at the then-current interest rate and APY.

When is interest paid on an Online CD?

Your e-Receipt will indicate what is applicable to your account. Interest compounding depends upon product options available at account opening. Depending on the term and other features of the account, interest may be credited and paid monthly, quarterly, semi-annually, annually or, if the account term is one year or less, at maturity. If periodic interest payments are available, you may choose to receive a check or have the interest credited to another HSBC deposit account. Even if periodic interest payments are not available, you may withdraw any earned interest on or before the maturity date with no early withdrawal penalty.

What are the penalties for early withdrawal of money from an Online CD?

If you withdraw any of your principal from your Online CD, you will incur a penalty of 30 days simple interest. The penalty may reduce principal if there is insufficient interest available. There is no penalty for withdrawals made during the grace period.

Are there monthly maintenance fees for Online CDs?

There are no monthly maintenance fees for Online CDs.

What is the minimum balance for Online CDs?

The minimum balance to open an online CD is $10.

What is the maximum deposit that I can make to an Online CD?

The maximum balance per Online CD account is $2,000,000. When opening an account you can deposit funds in two ways, electronically up to $300,000, or by check up to $2,000,000.

What is the maximum withdrawal I can make from an Online CD during the grace period?

If you transfer money to another existing HSBC account, there is no maximum. The daily limit for a withdrawal during the grace period is $350,000. The monthly limit is $2,000,000. If you wish to transfer amounts greater than $350,000 to a non-HSBC account, please call 1-888-404-4050.

What happens if the APY changes by the time the funds get deposited into an Online CD account?

The interest rates and Annual Percentage Yields (APYs) may change at any time at the Bank's discretion without prior notice, before an Online CD is opened. Online CDs are not considered opened before the application process is finalized and the CD is funded.

Online CDs are opened on Business Days only. If the application process is finalized on a Saturday, Sunday or Bank Holiday or on a Business Day at a time when the processing of your deposit cannot be completed that same day, your account will be opened on the following Business Day. If this occurs, your account will receive the interest rate and annual percentage yield in effect on the date it is opened.

How do I get an ATM or debit card with my Online Payment or Online Savings Account?

Just request a card on your HSBC account application. Of course, you can always request a card later by sending us a BankMail or by calling 1-888-404-4050. We'll send your card by mail 7-10 days from either the account opening date or the date the request is received.

What's the difference between the ATM card and the debit card?

An ATM card is used mainly for deposits and withdrawals at ATMs, and in some cases, point-of-sale (POS) purchases with a Personal Identification Number (PIN). A debit card has all the features of an ATM card, plus it can be used anywhere MasterCard® is accepted.

You can choose to use an ATM card with your Online Savings Account or a debit card with your Online Payment Account. If you have both accounts, you can choose to link them both to your debit card for added convenience.

Both cards can be used for deposits and withdrawals at any HSBC ATM in the U.S. Your cards can also be used at other ATMs however you may be charged an ATM surcharge/convenience fee by the ATM network. HSBC will reimburse the first three fees charged each month to the debit card associated with your Online Payment Account Foreign currency exchange fees may apply when using ATMs outside of the U.S., including HSBC ATMs.

How do I add an additional account holder?

In order to add a secondary account holder to your HSBC Online Account, please complete the linked form below.

Add a Customer Form

If the individual you are requesting to add to your account is not a US citizen, two forms of identification will be necessary. Below is a list of acceptable forms of ID:

• US Driver's License/No driver's Identification
• Alien Registration ("Green Card")
• Foreign Passport
• Foreign National Identity Card with photograph
• Permanent Resident Card with photograph
• Temporary Resident Card with photograph
• U.S. Employment Authorization Card

Please mail us the completed form, copy of your Photo ID, a copy of Photo ID for the person to be added to your account and any other identification, if necessary. Please, be sure that the bottom of the form is signed by both parties.

How do I change my name on my account?

In order to update your name on your HSBC account(s), please complete the form linked below and return with all necessary information.

Name Change Form

Below is a list of acceptable forms of ID:

• US Driver's License/No driver's Identification
• Alien Registration ("Green Card")
• Foreign Passport
• Foreign National Identity Card with photograph
• Permanent Resident Card with photograph
• Temporary Resident Card with photograph
• U.S. Employment Authorization Card

Please mail us the completed forms, copy of your Photo ID, a copy of any legal documents supporting the name change, and a new "MDA". Please, be sure that the bottom of the form is signed.

How do I change the address on my account?

You can change your address on-line or by completing the process outlined below.

Online:
Log into Internet Banking and submit a request.
-or-
Mail / Fax:
To update the address on your HSBC account(s), please complete the forms below.

Address Change Form

Please mail or fax us the completed form and ID (example - Drivers license). Only the individual(s) that provide ID and signatures on this form will have their address change. Please, be sure that the bottom of the form is signed.

Why was HSBC Direct renamed HSBC Advance? What happened to HSBC Direct?

The name change is consistent with HSBC's global focus. Nothing about your online-only accounts will change. You will still enjoy the same features and benefits, and no monthly fees. Your Online Savings Account, Online Payment Account and Online CDs are still supported and delivered to you by HSBC Bank USA, N.A.

Will the rates on any of my accounts change?

Online Savings and Payment Account rates are variable and subject to change anytime. Online CD rates are also subject to change prior to account opening and funding.

Will I be charged more fees with HSBC Advance than I was with HSBC Direct?

There will be no change to the fee structure of our online-only accounts after the name change.

Do I need to be issued new ATM/Debit cards with HSBC Advance?

No. There are no plans to issue new cards to customers at this time.

Will there be changes to the Terms and Charges for formerly Direct customers?

There are no changes to the Terms and Charges other than the new Advance brand name.

If I'm a first-time customer, how do I open an account?

For first-time customers, the process is the same no matter which accounts you open. In fact, you can apply for an Online Savings Account and an Online CD at the same time. The application should take approximately 10-15 minutes to complete.

Before you start, have the following information handy:

1. Your Social Security or Personal Tax ID Number.
2. Your Driver's License or ID card issued by a state DMV. If you don't have either of these, we will ask you for copies of other acceptable identification as we process your application.
3. Information about any loans or mortgages that you may have to help us confirm your identity.
4. For instant funding, you will need your current bank account and routing numbers.
5. If applying for a joint account, you will need the Secondary Applicant's name, Social Security or Personal Tax ID Number and Date of Birth.
6. If you are a U.S. resident but not a U.S. citizen, you will need your Resident Alien Card (Green Card) or complete passport information.

You can use this application for an individual or joint account. Once you have submitted your application, we'll e-mail you when you've been approved, or if we need other information to complete the application.

If I'm already an HSBC customer, how do I add new accounts?

We've added a new feature that lets you quickly open an Online Savings, Online CD or additional accounts. Select the HSBC account you wish to open from our home page navigation. Click the "Apply now" link and go to the 'Open an Account' page. Under "Existing Customer", you will be given the option to log into Personal Internet Banking. You will then go straight to a shortened application. Once opened, your new account will automatically be set up with your existing preferences and linked accounts.

How do I open a joint account?

Opening a joint account is just as easy as opening an individual account. The primary applicant should complete the application in full, and will need to include the co-applicant's Social Security Number. Once the primary application is done, the co-applicant can fill out his or her application at any time by selecting "Resume Application" from the home page. Either applicant may fund the new account. We ask you to fill out your applications separately in order to keep everyone's identity safe.

Who can open an account?

You must meet three requirements to open an account. You must:

• be an individual at least 18 years of age
• have a U.S. address
• have a U.S. Social Security Number or Personal Tax ID number

You need to meet all three criteria, no exceptions. For a joint account, both applicants need to meet these requirements and fill out separate applications.

While a child under age 18 cannot hold an account, you are welcome to open an account in your name and add your child as the beneficiary. Once the account is set up, send us a BankMail with your child's name. You can open as many accounts as you like, but each account can list only one beneficiary.

Please keep in mind that Online Savings and Payment Accounts and Online CDs are reserved for personal use. Visit us.hsbc.com for information about competitive business products.

How do I make my initial deposit to the Online Savings or Online Payment Account?

You can send an electronic bank-to-bank transfer from a non-HSBC account, or mail us a check or money order. For security reasons, it takes about three business days to process an initial electronic deposit before it is credited to your account. However, checks are processed on the same business day they are received.

The minimum deposit is $1.00 and you can save up to $2,000,000 in your Online Savings Account(s) and up to $500,000 in your Online Payment Account(s). To send your initial deposit by mail, make the check payable to HSBC Bank USA, National Association. Send the check to:

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

How do I fund my Online CD?

If you are a new HSBC customer, you can send an electronic bank-to-bank transfer from a non-HSBC account, or mail us a check or money order. If you are an existing HSBC customer, you can fund your Online CD using one of your existing HSBC deposit accounts or mail us a check or money order if you wish to fund your Online CD from an non-HSBC account.

For security reasons, it takes about three business days to process an electronic deposit before it is credited to your account. However, checks are processed on the same business day they are received.

How long do I have to complete my Online CD application?

You have 30 calendar days to complete your application for an Online CD. After this period you must start a new application.

Will I receive details confirming my Online CD?

Yes, you will receive an email with instructions to log on to your Personal Internet Banking account and open a BankMail containing your eReceipt. The eReceipt is a legal document and contains the issue date, the maturity date, and the APY of your Online CD. Print the eReceipt and keep a copy for your records.

What happens after I submit my application?

We will e-mail you within 1-2 business days to let you know if you're approved, or if we need more information to complete the application. Make sure you get this e-mail by checking that your spam filters do not block e-mail from us.hsbc.com or HSBCadvanceUSA.com

For new customers, we will send your username via e-mail within 1-2 business days after the account is opened. To protect your security, passwords are sent separately via U.S. mail. Once you've received both, usually within 5-7 business days, you can log on to your account and see your new HSBC account number.

For existing HSBC customers, you can log on and view your new HSBC accounts online the day after they are opened.

Please note, to protect the security of your account, if you forget your password, we can only send it to you by mail. However, if you have an ATM or debit card, we'll allow you to reset your password electronically using your PIN number.

What are trial deposits? How do I verify them?

Trial deposits are simply test deposits we make into the account you are using to fund your new HSBC account. It's a secure way for us to verify that you are the account owner. We start by making two small deposits into that account for less than $1.00 each. A withdrawal for the total of the two deposits is also made from the same account at the same time. To verify your trial deposits:

• Look for an email from HSBC within 2 business days of submitting your application, notifying you that we've made the trial deposits to your account. A withdrawal for the total amount of the two deposits will also be made at the same time from the same account.
• Check your account statement online or inquire directly with your account provider to identify the two deposit amounts. Deposit amounts should appear as TRIALCREDT. You will also see one withdrawal from your account identified as TRIALDEBIT, you will not need the TRIALDEBIT amount for the verification process.
• Confirm your deposits at HSBCadvanceUSA.com. Choose "Resume Application," then "I would like to sign in to an existing application." Follow the instructions to confirm your deposits.
• Enter the amounts carefully. You'll have three chances to do so correctly. After that, you'll need to fund your account by mailing a check.
• If you get an error message stating "You cannot use this account," you'll need to use a different account to fund your initial deposit.

If I'm a first-time customer, how do I open an account?

For first-time customers, the process is the same no matter which accounts you open. In fact, you can apply for an Online Savings Account, an Online Payment, and /or an Online CD, at the same time. The application should take approximately 10-15 minutes to complete.

Before you start, have the following information handy:

1. Your Social Security or Personal Tax ID Number.
2. Your Driver's License or ID card issued by a state DMV. If you don't have either of these, we will ask you for copies of other acceptable identification as we process your application.
3. Information about any loans or mortgages that you may have to help us confirm your identity.
4. For instant funding, you will need your current bank account and routing numbers.
5. If applying for a joint account, you will need the Secondary Applicant's name, Social Security or Personal Tax ID Number and Date of Birth.
6. If you are a U.S. resident but not a U.S. citizen, you will need your Resident Alien Card (Green Card) or complete passport information.

You can use this application for an individual or joint account. Once you have submitted your application, we'll e-mail you when you've been approved, or if we need other information to complete the application.

If I'm already an HSBC customer, how do I add new accounts?

We've added a new feature that lets you quickly open an Online Savings, Online Payment, Online CD or additional accounts. Select the HSBC account you wish to open from our home page navigation. Click the "Apply now" link and go to the 'Open an Account' page. Under "Existing Customer", you will be given the option to log into Personal Internet Banking. You will then go straight to a shortened application. Once opened, your new account will automatically be set up with your existing preferences and linked accounts.

How do I open a joint account?

Opening a joint account is just as easy as opening an individual account. The primary applicant should complete the application in full, and will need to include the co-applicant's Social Security Number. Once the primary application is done, the co-applicant can fill out his or her application at any time by selecting "Resume Application" from the home page. Either applicant may fund the new account. We ask you to fill out your applications separately in order to keep everyone's identity safe.

Who can open an account?

You must meet three requirements to open an account. You must:

• be an individual at least 18 years of age
• have a U.S. address
• have a U.S. Social Security Number or Personal Tax ID number

You need to meet all three criteria, no exceptions. For a joint account, both applicants need to meet these requirements and fill out separate applications.

While a child under age 18 cannot hold an account, you are welcome to open an account in your name and add your child as the beneficiary. Once the account is set up, send us a BankMail with your child's name. You can open as many accounts as you like, but each account can list only one beneficiary.

Please keep in mind that Online Savings and Payment Accounts and Online CDs are reserved for personal use. Visit us.hsbc.com for information about competitive business products.

How do I make my initial deposit to the Online Savings or Online Payment Account?

You can send an electronic bank-to-bank transfer from a non-HSBC account, or mail us a check or money order. For security reasons, it takes about three business days to process an initial electronic deposit before it is credited to your account. However, checks are processed on the same business day they are received.

The minimum deposit is $1.00 and you can save up to $2,000,000 in your Online Savings Account(s) and up to $500,000 in your Online Payment Account(s). To send your initial deposit by mail, make the check payable to HSBC Bank USA, National Association. Send the check to:

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

How do I fund my Online CD?

If you are a new HSBC customer, you can send an electronic bank-to-bank transfer from a non-HSBC account, or mail us a check or money order. If you are an existing HSBC customer, you can fund your Online CD using one of your existing HSBC deposit accounts or mail us a check or money order if you wish to fund your Online CD from an non-HSBC account.

For security reasons, it takes about three business days to process an electronic deposit before it is credited to your account. However, checks are processed on the same business day they are received.

How long do I have to complete my Online CD application?

You have 30 calendar days to complete your application for an Online CD. After this period you must start a new application.

Will I receive details confirming my Online CD?

Yes, you will receive an email with instructions to log on to your Personal Internet Banking account and open a BankMail containing your eReceipt. The eReceipt is a legal document and contains the issue date, the maturity date, and the APY of your Online CD. Print the eReceipt and keep a copy for your records.

What happens after I submit my application?

We will e-mail you within 1-2 business days to let you know if you're approved, or if we need more information to complete the application. Make sure you get this e-mail by checking that your spam filters do not block e-mail from us.hsbc.com or HSBCadvanceUSA.com

For new customers, we will send your username via e-mail within 1-2 business days after the account is opened. To protect your security, passwords are sent separately via U.S. mail. Once you've received both, usually within 5-7 business days, you can log on to your account and see your new HSBC account number.

For existing HSBC customers, you can log on and view your new HSBC accounts online the day after they are opened.

Please note, to protect the security of your account, if you forget your password, we can only send it to you by mail. However, if you have an ATM or debit card, we'll allow you to reset your password electronically using your PIN number.

What are trial deposits? How do I verify them?

Trial deposits are simply test deposits we make into the account you are using to fund your new HSBC account. It's a secure way for us to verify that you are the account owner. We start by making two small deposits into that account for less than $1.00 each. A withdrawal for the total of the two deposits is also made from the same account at the same time. To verify your trial deposits:

• Look for an email from HSBC within 2 business days of submitting your application, notifying you that we've made the trial deposits to your account. A withdrawal for the total amount of the two deposits will also be made at the same time from the same account.
• Check your account statement online or inquire directly with your account provider to identify the two deposit amounts. Deposit amounts should appear as TRIALCREDT. You will also see one withdrawal from your account identified as TRIALDEBIT, you will not need the TRIALDEBIT amount for the verification process.
• Confirm your deposits at HSBCadvanceUSA.com. Choose "Resume Application," then "I would like to sign in to an existing application." Follow the instructions to confirm your deposits.
• Enter the amounts carefully. You'll have three chances to do so correctly. After that, you'll need to fund your account by mailing a check.
• If you get an error message stating "You cannot use this account," you'll need to use a different account to fund your initial deposit.

How do I know my account is secure?

When you log on to your account, you'll be asked for your customer username, password and security key. Only you can access your HSBC accounts, make transfers to your linked accounts or perform other related banking requests.

Learn more by visiting Security

Is my money FDIC-insured?

Your deposits are insured to the maximum permitted by law. For more information about FDIC insurance, visit www.fdic.gov.

How does HSBC protect my privacy?

We are committed to protecting your privacy. We never sell your personal information to other companies for their independent marketing purposes. We maintain physical, electronic and procedural safeguards to prevent unauthorized access to your personal information, and to protect you against the criminal misuse of that information. All HSBC employees are required to keep your personal information confidential.

Learn more by visiting Privacy

How do I communicate securely with HSBC?

BankMail is a secure way to communicate through Personal Internet Banking (PIB). When you log on to PIB to send us a BankMail, the content of your e-mail is encrypted so you can ask specific questions about your account with total security.