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Personal Internet Banking | Business Internet Banking

Personal Internet Banking

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General Information About Internet Banking

What is Internet Banking?

Internet Banking is one of the fastest, most convenient ways to access your HSBC Bank USA, N.A. accounts, view balances, transfer funds and pay your bills online. Using your unique Username, Password, and Security Key you can perform banking transactions online, whenever and wherever you want, from any computer with Internet access. It's safe, convenient, it's FREE, and it's also backed by our $0 Liability, Online Guarantee.

What Banking Transactions Can I Perform with Internet Banking?

Internet Banking allows you make transactions online and manage your accounts, balances, bill payments and deposits more closely:

  • View balances and transactions on your deposits, loans, credit card, and mortgage accounts
  • Pay bills to virtually anyone in the United States with FREE online Bill Pay
  • Review transaction information for the last twelve months or one year of deposit bank statements and the last twenty-four months (or fifty transactions) for mortgage accounts.
  • Transfer funds between your HSBC accounts (this is an ideal way to pay your HSBC accounts quickly!). And with the Bank to Bank Transfers service, you can move money between your HSBC accounts and other financial institutions, credit unions and brokerage accounts.
  • View information about your mortgage account including escrow and payment history
  • Obtain quotes for several insurance products
  • View your investment and brokerage balances
  • Request a Credit Card line increase
  • Apply for HSBC select accounts and services
  • RecordCheck® online
  • View your eligible checking and savings statements through eStatements
  • Order new checks You will need your Routing Number and Account Numer when you order your checks.
  • Request statements
  • Request a Stop Check for an HSBC check
  • E-mail our Customer Relationship Center anytime for information on products and services  

Internet Banking is also a great way to pay your HSBC loan, credit card or mortgage accounts quickly. Simply Transfer Funds from your checking or savings account to the HSBC accounts you wish to pay. It's easy and gets your accounts paid fast!

What Are Some of the Newest Features of Internet Banking?

Internet Banking has been enhanced with a number of exciting customer-driven improvements to make your online banking and bill paying even easier!

  • FREE Bill Pay! - Pay your bills online, when and where you want. Bill Pay is FREE for all HSBC customers.
  • Bank to Bank Transfers - The Bank to Bank Transfers service allows you to move your money between your HSBC accounts and your non-HSBC bank accounts, including financial institutions, credit unions and brokerage accounts!
  • Online Password Reset - Customers who forget their Internet Banking Password or Security Key can select a new Password or Security Key to gain immediate access to Internet Banking. No more waiting for a confirmation in the mail!
  • Online Check Images - Personal Internet Banking customers with a checking account who are enrolled in the RecordCheck® service can view their posted checks images right online. 
  • Stop Checks – Customers can place a stop payment on one or a series of their personal HSBC checks through Internet Banking. In addition, customers will be able to view up to 400 stop payments per checking account.
  • Security Enhancements – New customers who register for Internet Banking will select a Username that is 8-20 characters in length (originally 5-20 characters). In addition, the “Auto Complete” function of an Internet browser is being eliminated. These two features help to prevent unauthorized individuals from obtaining and viewing your financial information.
  • eStatements – No more waiting for the mail. With eStatements, you can view your eligible checking and savings statements online through Personal Internet Banking. And eStatements is a free service from HSBC.

All this is backed by our $0 Liability, Online Guarantee against unauthorized access. Bank online with confidence -- we've got you covered!

What Do I Need to Start Using Internet Banking from HSBC?

All you need to start banking online is an HSBC account and a computer with Internet access. Click Here to view the list of HSBC-supported browsers.

There is no special software needed to access Internet Banking. Once you sign up, you will be able to access Internet Banking anytime from HSBC's homepage.

What Instructions are Available for Using Internet Banking?

You can view our online banking demo to get information, you can view the online Internet Banking Guide to obtain more detailed instructions about using Internet Banking.

How Safe is Internet Banking?

HSBC takes every precaution to keep your online experience safe. Click Here to view the list of HSBC-supported browsers.

In addition to encryption, your unique Username and password will authenticate your access each time you use the service. And, all Personal Internet Banking customers are covered by HSBC's $0 Liability, Online Guarantee to help keep your online experience safe. Learn more through HSBC's Security Site.

What Information is Required When I Register for Internet Banking?

To register for Internet Banking, you will need:

  1. Your Social Security number (or Tax ID number)
  2. Your HSBC ATM, Debit MasterCard® Card with PayPassTM (Debit MasterCard®) or credit card number along with the associated PIN. This specific information provides an automatic verification of your identity and allows you immediate access to Internet Banking.
  3. If you don't have an HSBC credit card, ATM or Debit MasterCard®, you can still register for Internet Banking using another HSBC account such as a mortgage, home equity, savings, checking or loan account for authentication. Confirmation of your registration will be sent to you by mail to let you know that you can begin using Internet Banking.

Are There Fees for Internet Banking and Bill Pay?

No! Personal Internet Banking and Bill Pay are now FREE for all HSBC Customers.

Your Internet service provider may charge fees. See the Internet Banking Terms and Conditions for details.

Does Internet Banking Have Online Help?

Yes, there are several sources for assistance.  You can:

  • Preview the Internet Banking demo for information,
  • Review the questions and answers supplied in this Frequently Asked Questions (FAQs) section,
  • View the online Internet Banking Guide for instructions,
  • You can check the online Help section within Internet Banking that provides an alphabetical Glossary of terms, as well as context-sensitive help available throughout the Internet Banking site,
  • You can also send a secure BankMail through Internet Banking or call our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722),. We are here 24 hours a day, 7 days a week and will be happy to answer any questions you have about accessing, using and navigating through Internet Banking.

What Happens if I Stop Using Internet Banking?

While Internet Banking is a free service, it may be canceled if there has been no activity for a period of 6 consecutive months. If canceled, you would need to re-register for the service. Your Bill Pay service may be suspended if there has been no activity for a period of 3 consecutive months. To reactivate, simply select "Pay Bills" from your Internet Banking main page. You can also cancel the Bill Pay service at any time by choosing "Customer Service" then "Remove Bill Pay Service."

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Security and Privacy of Internet Banking

How Safe is Internet Banking?

HSBC takes every precaution to keep your online experience safe. Click Here to view the list of HSBC-supported browsers.

In addition to encryption, your unique Username and password will authenticate your access each time you use the service. And, all Personal Internet Banking customers are covered by HSBC's $0 Liability, Online Guarantee to help keep your online experience safe. Learn more through HSBC's Security Site.

Is It Safe to Enter My PIN Online as Part of Registration?

Thanks to the sophistication of encryption, sending and receiving information through Internet Banking is more reliable than ever. Encryption helps keep information private (such as your PIN or the transactions you perform) between the bank's computer and your Internet browser. Learn more about how HSBC keeps your online information safe through HSBC's Security Site.

What Type of Browser Can I Use To Access Internet Banking?

All you need to start banking online is an HSBC account and a computer with Internet access. Click Here to view the list of HSBC-supported browsers.

What If I Forget My Internet Banking Password or Security Key?

If you forget your Internet Banking password or Security Key, you can create a new one right online. In the Enter your Password or Enter your Security Key section, click the link stating "Forgot your Password?", "Forgot your Security Key", or "Forgot your Password and Security Key?"

In order for us to verify your identity so that you can create a new Password or Security Key, you will need to provide the answers to both of the Security Questions that you created when you first registered for Internet Banking.

Why Do I Need to Accept "Cookies" to Access My Financial Information Online?

A cookie is a text file that resides on your computer. As part of the security of your data, cookies remind HSBC of your particular browser preferences and security requirements. If your browser prompts you when a cookie is "served," you must accept it or the access to confidential information will be denied. Since cookies are site specific, only HSBC can access, decode and make use of the information.

Why Can I Still See Some of My Account Information Even After I Have Exited Internet Banking?

Browser software often saves or "caches" pages in your computer's temporary memory. This means that even after you have logged off Internet Banking, you may be able to view a version of a previously viewed page by clicking your Back button. If you use Internet Banking and are uncomfortable leaving these pages in temporary memory, you should always choose the "Exit" button to logoff your Internet Banking session, then close your browser before leaving. Please note that caching in no way affects the security of your confidential Username or password.

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Signing Up For Internet Banking

How Do I Sign Up for Internet Banking?

Simply click Sign Up from the Internet Banking menu and follow the easy registration instructions:

For Immediate Access
You will gain immediate access to Internet Banking when you register with your social security (or Tax ID) number, an existing HSBC ATM, credit or debit card number and associated PIN. This allows us to verify your identity in a secure manner.

You will also create your own unique Username Password, and Security Key to use each time you access the service. And, don't forget to check "Yes" to add the FREE Bill Pay feature as part of your Internet Banking service. You will be able to pay bills to virtually anyone in the United States!

Confirmation by Mail
If you register using another HSBC account (mortgage, loan, home equity account, etc), you will be sent a Temporary Username by email and a Temporary Password by postal mail.  After you receive both, you will be able to log on to Personal Internet Banking.  You will be asked to create a new Username, Password, and Security Key the first time you log on to the service.

How Can I Open an HSBC Account So I Can Sign Up for Internet Banking?

You have a choice of several accounts to open right online here at the HSBC website! Simply click on the appropriate product link above and then the "Apply Now" link on the page.

You can also call our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722), to apply for an account by phone. Or you can apply for an account at any one of over 400 HSBC branches. We will be happy to help you!

What are the System Requirements to Use Internet Banking?

All you need to start banking online is an HSBC account and a computer with Internet access. Click Here to view the list of HSBC-supported browsers. You should also be sure your browser options are set to accept cookies and is JavaScript enabled.

There is no special software needed to access Internet Banking. Once you sign up, you will be able to access Internet Banking anytime from HSBC's homepage.

Can I Sign Up for Internet Banking if I Live Outside the United States?

You must have an established relationship with HSBC Bank USA, N.A. to qualify for Personal Internet Banking. Please contact us at 1-800-975-HSBC (1-800-975-4722) to see if you qualify.



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Paying Bills

Can I Pay Bills Online Using Internet Banking?

You can pay anyone - utilities, credit card, loan accounts, subscriptions - virtually anyone in the United States.

When you register for Internet Banking, you'll be given the option to add the FREE Bill Pay feature as part of your service. Internet Banking Bill Pay allows you to select the date a bill should be paid and how much should be paid; it's up to you. We recommend that you schedule your bill payments at least five (5) business days before a payment is due to avoid late charges.

Is There a Fee for the Bill Pay Service?

No! The Personal Internet Banking Bill Pay service is FREE for all HSBC customers. See the Internet Banking Terms and Conditions for details.

Is There a Cut-Off Time for Next Day Business?

Through Internet Banking, you can perform "same day" transfers until 8:00 p.m. Eastern Time every business day. For Bill Pay, payments scheduled before 1:00 p.m. Eastern Time, Monday through Friday (excluding federal holidays), will be processed on that day. Payments scheduled after 1:00 p.m. Eastern Time will be processed on the next business day. You should schedule your payments at least five (5) days before a payment is due to give your payees time to process payments.

How Does My Payment Get Processed and When is the Amount Deducted From My Checking Account?

Depending on how your payees accept payments, your Internet Banking bill payments are sent to your payees either electronically or by Corporate check.

Electronic payments are sent whenever possible and your checking account is debited on the business day after the process date you selected for that payment.

If a payee accepts checks only, an individual corporate check is sent and your checking account is debited for the payment amount on the business day after the process date selected for that payment.

Can I Use the FREE Online Bill Pay Service To Pay Bills Outside the U.S.?

No, the Bill Pay feature only supports payments to payees that reside within the United States.

Can I Use Internet Banking to Pay My Existing HSBC Loans, Credit Card, Line of Credit and Mortgage Payments?

Yes, but to pay your HSBC accounts, you can simply select "Transfer Funds" from your Internet Banking menu. You can transfer funds from your checking or savings account to the HSBC account you want to pay. It's fast and gets your accounts paid quickly!

Can I Choose When My Bill Payments Get Processed or are They Processed Automatically Each Month?

You can pay your bills however you want, whatever day you want. You select the date when a payment should be processed, based on when it's due, whenever you are paid, or whenever you feel like it! If you want that same payment to be processed on a different day the following month, just choose the date within the FREE Bill Pay service. This method is ideal if you prefer to pay bills online each month based on varying amounts (such as utility payments), due dates, your funding availability, and your own pay schedule. Simply select "Schedule a Payment," then input the date you want your bill to be processed for payment. You should schedule your payments at least five (5) days before they are due to give your payees time to receive and process payments.

If you'd prefer to have your bills paid on a regular, automatic basis, then choose "Recurring Payments" from the Pay Bills menu. You can then set up a regular schedule for your bill payments: Weekly, monthly, quarterly, twice a month, or twice a year. A recurring payment schedule is beneficial when a payment is processed the same each month/quarter (such as Water Bill, Insurance or car payment), and you can be sure funds are available during those periods. You should also refer to the Internet Banking Terms and Conditions for details on Bill Payment Processing dates.

Can I Obtain Copies of My Canceled Checks or Some Type of Proof of Payment?

Each time you pay a bill, a confirmation page is presented providing payment details and a reference number for your records. You can also check your Internet Banking Register to see when a payment or a check has been posted. In addition, Internet Banking RecordCheck® customers can view and print the front and back of their posted HSBC check images right from Internet Banking using two methods:

  • The first is through the “Account Details” section of Internet Banking. Eligible check images will appear as a check icon in the account transaction detail. Simply click the appropriate icon to view the front and bank of the check image.
  • The second way is to select “Customer Service” from the left menu of Internet Banking, then “Request A Check Image.” Enter the appropriate information to locate either a specific check or a range of checks for viewing.

All Personal Internet Banking customers with a checking account that have been enrolled in the RecordCheck® service are eligible to view checks online. If you haven’t already done so, enroll in RecordCheck today and take advantage of the online check image service. You’ll still receive your checking account statement, but with RecordCheck, HSBC will hold copies of your canceled checks for you. And when you need a check copy, you can view it right online!

What Proof Do I Receive for the Bill Payments I Make Through Internet Banking?

Once your online bill payments or transfers have been confirmed, a reference number is provided as verification that your payment was accepted. You can refer to the number by clicking on the Process Date of a specific payment in the "Payment Search" section. If you have any questions or problems, contact our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722).

What if I Make a Payment to the Wrong Payee? Can I Cancel or Stop the Payment?

If you scheduled a payment to be processed immediately, you may not be able to stop the payment. Any other scheduled or recurring payments may be canceled if done within one business day before the process date. Use the "Modify Payments" option in the "Pay Bills" section of Internet Banking, or contact our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722) for assistance.

How Will I Know if My Payees Received Payments Through Bill Pay?

You will receive a reference number for each confirmed bill payment. The reference number is your proof that a payment will be processed. To verify that your payee credited your account, you may wish to review your next bill from the payee to verify that the payment was presented for payment and cashed.
Note: You can also check details by reviewing your online checkbook Register, selected from the Account Summary screen.

What Happens if I Stop Using The Bill Pay Feature?

Your Bill Pay service may be suspended if there has been no bill payment activity for a period of 3 consecutive months. But you can reactivate the service by simply selecting "Pay Bills" from your Internet Banking main page.

Will You Guarantee That My Online Bill Payments Will Arrive on Time?

HSBC will bear the responsibility for any late-payment-related charges should an online bill payment arrive after its due date as long as you scheduled the transaction in accordance with the HSBC Personal Internet Banking Terms and Conditions. This guarantee does not apply to business customers using bill pay.

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Transfers

What types of transfers may I make?

You may transfer funds from your checking, savings, credit card, and even your home equity account. Transfers can be scheduled to occur immediately or on a future date. The transfer function is also a great way to pay your HSBC accounts too!

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 in person at any of our office locations
  3. 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 quickly can I transfer money between linked accounts?

You can transfer funds between your HSBC 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.

Transfer funds between your HSBC accounts (this is an ideal way to pay your HSBC accounts quickly!). And with the Bank to Bank Transfers service, you can move money between your HSBC accounts and other financial institutions, credit unions and brokerage accounts.

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:

  • 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).

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EasyView

What is EasyView?

With one log-in and one password, EasyView brings virtually all your personal online account information together and presents it to you on a single summary page. You can view HSBC accounts as well as your other online accounts, including those from other banks, investment firms, online shopping sources, your travel information, news sources, e-mail, calendar reminders and more. Best of all, EasyView is available exclusively to Personal Internet Banking Bill Pay customers at no additional charge.

What information can I access about my accounts through EasyView?

Through EasyView, you can view your HSBC account balances as well as those from other financial institutions. You can view your loans, credit cards, mortgage information, your investments, frequent flyer program, e-mail programs, online auction and shopping sources such as e-bay, news, magazines, local weather, your travel arrangements, and much more. You decide which of your accounts to add to EasyView. Once logged in, your EasyView homepage will display all the accounts you've added to your EasyView profile. Visit the EasyView section for more information and to sign-up.

How is EasyView different from Internet Banking?

EasyView is available exclusively to Internet Banking and Bill Pay customers. You will log-in to EasyView to view your online accounts, but will use Internet Banking to pay your bills and to review details of your HSBC accounts. EasyView allows you to pull virtually all your online accounts together - your HSBC accounts and your accounts from other financial institutions, investments, and other sources and displays them to you on one page, either by category (e.g. Finance, News) or in a summary (showing all categories). EasyView puts you in control of viewing and tracking all your online accounts in one place, for your convenience. Visit HSBC's EasyView section for more information and to sign-up today!

How do I register for the service?

Just visit HSBC’s EasyView web page and click "Sign-Up" to get information about getting started. When you register for EasyView, you will be asked to create a User ID and password that you will use each time you log-in to EasyView. You will also be asked for your e-mail address and be given a "password reset" option. If you forget your password, you will be able to reset it yourself by supplying answers to questions asked during registration. After that, you will be ready to add your accounts.

Is there a cost for the EasyView service?

EasyView is available exclusively to Personal Internet Banking Bill Pay customers at no additional cost. And, it’s available to you 24 hours a day, seven days a week from any computer with Internet access. Sign-up for EasyView today!

How do I log-in to the EasyView service?

Click "Log-In" at the top of this page or from the main page. Enter your EasyView User ID and password then click on "Log-In." If you forget your password and enabled the "Password Reset" option during registration, a link will be provided for you to change your password. If you did not enable the password reset option during registration, you can do so once you have logged in to the EasyView service.

How do I add an account to EasyView?

From the Account Summary page, click on "Add A New Account." Select the category that describes the account you wish to add (Finance, Communication, etc.), and then the particular sub-category (e.g. Banking, Credit Card, e-mail, etc.). Then select from the list of sites to find your account provider to add to EasyView. For example, under the category "Finance", HSBC Businesses are listed as follows:

Under Internet Banking

  • Deposits (checking, savings, CDs)
  • Credit Cards
  • Investments
  • Loans/Home Equity
  • Mortgages

Under the Online Brokerage/401(k):

  • HSBC Online Brokerage
  • Customer 401(k)
  • Employee 401(k) (Thrift Incentive Plan - TIP)

If a provider is not listed, you can "suggest that an account be added" by clicking "Create a custom account", then providing the URL (web address) of the provider you would like to suggest. You can create a custom account for accounts you cannot access via the Internet, for personal property such as jewelry or real estate, or if you simply want to create a bookmark link.

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Using Registers

What is a Register?

An Internet Banking Register is like an online version of your checkbook register. You can create a register for any of your eligible checking or savings accounts to:

  • Keep a running balance of your banking activity
  • Track your spending or taxable items
  • Reconcile your accounts
  • Generate reports of account activity
  • Track transactions and balances for up to two years

Is there a cost to use the Registers service?

No, the Registers service is a free service to all HSBC Internet Banking customers.

How do I begin using the Registers service?

Once you're logged in to Internet Banking, click "Registers" from left navigation menu. An Enrollment page will display features and information about using Registers. Once you've activated the service, you will be able to create a register for any of your checking and savings accounts that have monthly or quarterly statements. A tutorial is also available to provide instructions for using Registers, entering transactions, reconciling accounts and organizing your entries.

How is the register created for the first time? What information is included?

Your initial register is created once you select Registers from the Internet Banking menu. The register includes all the transactions that have posted to your account since your last statement ending date. It also includes all future-dated bill payments and transfers that are scheduled over the next 30 days. Your starting Balance is based on your last statement ending balance.

Where do I find my Registers when I log in to Internet Banking?

Your Account Summary page will display a "closed checkbook" image next to each account eligible for a Register. Once a register has been opened or established for an account, an "open checkbook" image will appear on your Account Summary page. You can simply click on a checkbook image from this page, or perform a "search" of specific entries by date range and account type by choosing "Registers" from the left menu.

How far back can I search for register entries on my accounts?

As your register continues to build, you will be able to view and access transactions as far back as when you first created the register. Transactions will be retained in your register for two years.

How do I enter banking transactions into my Register?

The first time you begin to use registers, you will notice a closed checkbook graphic next to each of your accounts eligible for a register. Simply click on the checkbook image to create a register then click "ADD" to enter your transactions.

Once your register has been established, your Account Summary page will display an open checkbook graphic next to each account with an established Register. You should click the open checkbook image each time you wish to view your register or add additional transactions.

What banking transactions do I need to enter in my Register?

You can enter all your banking transactions into your register if you wish, but the Registers Service will automatically enter all your Internet Banking Bill Payments and Transfers made. Transactions you should enter manually are:

  • Check payments
  • ATM transactions (withdrawals, deposits, transfers)
  • Telephone transactions (using HSBC's Customer Relationship Center)
  • Deposits
  • Debit transactions/purchases

What are "Categories?"

Categories are a way to organize or group items in your check register. Categories are used in the Reporting feature to summarize your spending and separate taxable items. A list of Categories is available, but you can create additional categories if needed.

Can I have more than one Category for an entry?

Yes, when you enter a transaction into your register, you can use the "Split" feature, which allows you to define different categories for one transaction. For example, an ATM withdrawal for $180 can be separated into different categories. $100 could be categorized as "groceries," and $80 may be defined under the "entertainment" category. You can split up to 8 categories per entry.

Can I make changes to my register entries?

You can modify your register entries at any time to correct an error, to add more information about a transaction or category, or to delete an entry that has not yet cleared the bank. It is important to note that making changes to your register entries will NOT change a transaction or the payment instruction (Bill Payments or Transfers made through Internet Banking). Once an entry has cleared the bank and posted to your account, you can only modify the Memo, Payee/Description and Category fields.

What is the difference between the Register Balance and the Bank Balance?

The Register Balance reflects any outstanding transaction entries (such as checks written) as well as cleared items (such as bill payments and transfers made through Internet Banking) since your last statement ending date. The Bank Balance reflects all transaction entries that have posted to your account. You can reconcile these two balances by reviewing items that have posted to your account against those that remain outstanding from your last statement ending balance.

How do I reconcile my accounts through the Registers service?

When banking transactions are cleared by the bank, the Registers service automatically matches the transactions to the entries already in your register, based on the type of transaction (ATM withdrawal, check, bill payment, etc.), the dollar amount of the transaction, and the transaction date. Once matched, a Cleared Date will be displayed in the entry description section of your register to confirm that the transaction was reconciled.

If the Registers service cannot exactly match a bank-cleared item with your original entry, you should delete your manual entry and update the bank-supplied entry with additional information such as Category, Payee/Description, or Memo. This may occur, for example, if the dollar amount of a transaction that was entered manually was different than the bank-cleared amount (such as an ATM charge that was not added to an ATM withdrawal entry).

What online help is available for using the Registers Service?

There are several methods for getting help using Registers:

  1. Select the Registers Tutorial that is available when you log in to Internet Banking.
  2. Check the questions and answers in this FAQs section.
  3. Choose the Help section from the Internet Banking menu.
  4. You may also contact our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722). Our representatives are available 24 hours a day, 7 days a week and will be happy to help you!

Can I sort my entries based on amounts or by my payees?

Yes, when reviewing your Register transactions, you may find it easier to sort your entries. You can sort by clicking on any one of the underlined Register column headings, such as Type, Entered Date, Check No., Payee/Description, etc. Sorting entries can help to organize how you view your banking transactions and information.

Can I obtain reports of my register activity?

You can generate three different types of reports of your account activity based on the dates selected and the activity within the Register:

  • By Category, based on the type of transaction (ATM withdrawal, check, bill payment, etc.), the dollar amount of the transaction, and
  • By Payee or description, a Cleared Date will be displayed in the transaction description section of your register, and
  • By your tax-related items

Reports will provide transaction entries within a selected date range, Incoming and Outgoing Cash Flow, the appropriate category entries, and the dollar amounts within each. Reports can be obtained as long as the appropriate information is included when entries are made in the Register. For example, in order to generate the "Cash Flow by Category" report, your register entries must be categorized.

Do you offer Customer Service assistance if I have more questions about Registers?

Yes, simply contact our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722). Our representatives are available 24 hours a day, 7 days a week and will be happy to help you!

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Business Internet Banking

How can I learn more about Business Internet Banking?

Connecting to Business Internet Banking is easy. 

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Other Internet Banking Transactions

Can I View my Checking Account Transactions Online?

Yes, you are able to review transaction information for the last twelve months or one year's of statement period for your deposit accounts. Select the "eStatements" option in the "View Accounts" section of the Internet Banking menu.

Can I Request a Credit Card Line Increase through Internet Banking?

Yes, you can quickly request a credit card line increase by simply clicking on "Customer Service" from the left navigation then choosing "Credit Card Line Increase Request." Follow the easy application instructions and click "Submit." Your application will be submitted via secure e-mail and you will receive a response within two business days.

Can I Open a New Checking or Savings Account Online?

Yes, simply select the "Checking" or "Savings" tab from the options above then click on "Apply Now". You can also request information about new products and services online at any time through Internet Banking e-mail.

You can also open a checking account over the phone by calling us at 1-800-975-HSBC (1-800-975-4722). A Customer Relationship Center representative will be happy to open an account right over the phone. Or you can visit any one of over 400 HSBC branches for the same convenient services.

Can I Apply For Other HSBC Accounts through Internet Banking?

Yes, you'll be able to quickly and easily apply for selected HSBC accounts while on Internet Banking. Simply select from a list of product types to apply, and we'll take care of the rest!

Can I Change My Username and Password?

Yes, from your Internet Banking "Account Summary" page, choose "Edit Profile," then select "Change Password" or "Change Username."

When changing your Username and password, be sure to you create something that no one could guess. You should memorize your Username and password and never write them down. These important steps will prevent unauthorized individuals from accessing your financial information.

Can I Nickname My Accounts?

Yes, you can give nicknames to your payees and your accounts for easier tracking and monitoring. Choose "Customer Service" from the Internet Banking menu, then select "Change Account Nicknames." Nicknames do not affect your accounts, balances or how they are paid through online Bill Pay or transfers.

Can I Put a Stop Payment on an HSBC Check through Internet Banking?

Yes, you can request a Stop Check on one or on a series of your HSBC checks, right through Internet Banking. This convenient benefit helps speed the stop check process and eliminates phone calls, waiting in line or making a special trip to the branch.

Simply select "Customer Service" from the left navigation on your Internet Banking "Account Summary" screen. Then select "Request a Stop Check." You will be able to put a stop on a single check or on a series of your HSBC checks. You'll also be able to view up to 400 Stop Check requests per checking account.

Can I View My Checks Online?

Yes, Internet Banking RecordCheck® customers can view and print the front and back of their posted HSBC check images right from Internet Banking using two methods:

  • The first is through the “Account Details” section of Internet Banking. Eligible check images will appear as a check icon in the account transaction detail. Simply click the appropriate icon to view the front and bank of the check image.
  • The second way is to select “Customer Service” from the left menu of Internet Banking, then “Request A Check Image.” Enter the appropriate information to locate either a specific check or a range of checks for viewing.

All Personal Internet Banking customers with a checking account that have been enrolled in the RecordCheck® service are eligible to view checks online. Check images will be available for up to 45 business days for non-HSBC Premier customers and 65 business days for HSBC Premier customers. If you haven’t already done so, enroll in RecordCheck today and take advantage of the online check image service. You’ll still receive your checking account statement, but with RecordCheck, HSBC will hold copies of your canceled checks for you. And when you need a check copy, you can view it right online!

Can I Order More Checks Online?

Yes, choose "Order More Checks" from the "Customer Service" menu to order additional checks. You will receive a response confirming your order.

Can I Order a Copy of a Statement Online?

Yes, choose "Order A Statement Copy" from the "Customer Service" menu and enter the information about the statement you wish to obtain. You will receive an Internet Banking confirmation via e-mail and your statement copy will be sent to you by mail or held for you at a branch, based on your preference.

Can I Add Accounts To My Internet Banking Profile?

Yes, you can add eligible accounts to your Internet Banking profile. Just click "Customer Service" then "Add Accounts" from Internet Banking. Enter the account number of the HSBC account you wish to add. The new account will appear in your Internet Banking portfolio, usually within 24 hours.

Can I bookmark the site for greater convenience?

Yes, you can. Go to www.us.hsbc.com and either click on the link on the right hand side of the page titled "Add this page to your favorites" or from your browser menu, click on "Favorites" if you use Internet Explorer.

How Do I Know I am Visiting a Secured Internet Site?

Internet Banking is accessed through a "secured" Internet site to help keep your online financial information private and secure. You will know you are at a secured site when you see the https:// in the address field on your browser and the padlock symbol at the bottom of your screen.

Can I Update Information About Myself Online?

Yes, you can change your contact information such as your address and phone number by choosing "Change Contact Information" from the "Customer Service" menu. To change your email address, choose the "Edit Profile" option at the top of the page.

How Do I Report a Bill Pay Problem?

If you have any questions on Internet Banking or Bill Pay, contact our Customer Relationship Center at 1-800-975-HSBC (1-800-975-4722). Or send a secure BankMail through Personal Internet Banking. We'll be happy to help you.

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