Online Savings Account: The Breakdown

HSBC Direct Online Savings lets you get to your cash anytime, while growing it faster.

Your savings will grow with:

• 1.35% APY* - One of the highest savings rates in the country.
  Lets your money keep up with your goals and dreams.
• No monthly fees.
  No matter how much you use our ATMs or how many times you transfer your money, there are no 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 have to put $1 in 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.
  HSBC Direct works with the account you already have. .
• Will manage your account on HSBCdirect.com instead of at a branch.
  It's easy and you'll have access to our 24/7 customer support, ranked “Best Customer Service in 2006” by Kiplinger's Personal Finance magazine.

Manage your account by

• Depositing or withdrawing at any HSBC ATM in the U.S.
  You can get to your cash anytime.
• Sending your deposit by mail.
• Transferring funds online to and from your other bank accounts.
  You can connect HSBC Direct to as many checking accounts as you want, regardless of what bank they're at.

And, feel good about it

• Your money's FDIC-insured to the maximum permitted by law.
  You should never open an online deposit account if the institution isn't insured to protect your funds. 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.
• Money Magazine named HSBC Direct “Best of Breed” in 2007.