Online Savings Account: The Breakdown

The Online Savings Account lets you get to your cash anytime, while growing it faster.

Your savings will grow with:

• 1.10% APY* - currently 5 times the national statement savings average ±
• No monthly fees.
  No matter how much you use our ATMs or how many times you transfer your money, HSBC will not charge you any fees. We mean it.
• No minimum balance requirement.
  It's always up to you how much you keep in your account.

When you open an account, you

• Only need $1 to start.
  However you choose to fund your account, there's no fee to open and the application is easy.
• Don't have to open a checking account with HSBC.
  The Online Savings Account works with the account you already have.
• Will manage your account on HSBCadvanceUSA.com instead of at a branch.
  It's easy and you'll have access to our 24/7 customer support.

Manage your account

• Access our Personal Internet Banking and set up bank-to-bank transfers or transfers between your HSBC accounts.
• Connect your Online Savings Account to as many checking accounts as you want, regardless of what bank they are with.
• Withdraw funds at virtually any ATM in the US. (You can deposit money at any HSBC ATM.)
  Your can get to you cash anytime. (Regulatory transfer limits apply.)
• Send your deposit by mail.

And, feel good about it

• Your money's FDIC-insured to the maximum permitted by law.
  For more information about FDIC insurance, visit www.fdic.gov.
• You'll be banking in a secure online environment.
  Your information is password protected and encrypted with the latest security technology.