Glossary | HSBC

Glossary

Glossary of Terms

To locate a term or word, click on the beginning letter of the first word in the term.


A

Access Period

The term, or amount of time, you have to use (or access) your approved home equity line of credit.



Accept

Agree to the terms of the service provided.



Accounts

Any bank accounts you have or may have at the Bank which you have designated for access using Internet Banking.



Account Details

Detailed information about the account, such as bank balance, available balance, loan principal balance, transaction authority, year-to-date interest, maturity date, last payment date, minimum payment due.



Account Details link

Link used to access detailed information about your accounts.



Account Number

Number assigned to the account.



Account Status

Condition of the account.

  • Open
  • Inactive


Account Summary

Link used to access list summarizing all accounts attached to this service.



Account Type

Type of account. Deposit Account Types:

  • Certificate of Deposit
  • Checking Account
  • Savings Account
  • Individual Retirement Account

Loan Account Types:

  • Credit Card
  • Equity Line of Credit
  • Installment Loan Account
  • Line of Credit
  • Mortgage Loan

Investment Account Types:

  • Investments


ACH

Pre-authorized transaction occurring automatically on a regular basis.



After Last Statement

Transactions occurring since the last statement was created.



Agreement

The HSBC Bank USA, N.A. Internet Banking Agreement and Disclosure Statement.



Amount

Dollar value of a transaction.



Amount Range

Dollar value range, such as $50 to $60.



Annual Percentage Rate

Cost of credit expressed as a yearly rate.



Annual Percentage Yield (APY)

Yield on a deposit account.



ATM

Automated Teller Machine



ATM Card Number

Large-type 16 digit number embossed on card



ATM/Check Card Number

Large-type 16 digit number embossed on card.



Automated Response Unit (ARU)

Identifies transaction as occurring over the phone in an automated fashion, rather than speaking to someone in person.



B

Balance

For Checking and Savings accounts (excluding CD's):

  • The total funds available for use (withdrawal). This may exclude funds from check deposits not yet made available and other credits not yet posted to the account. This is also referred to as 'Available Balance' in certain spots of this system. Reference to 'Ledger Balance' or 'Bank Balance' will include funds from check deposits and other credits not included as part of the Available Balance.

For Certificate of Deposit Accounts:

  • The ledger balance excluding unearned interest.

Individual Retirement Accounts (IRA):

  • The ledger balance excluding unearned interest.

For Loans:

  • For simple interest loans, the current principal balance. Excludes accrued but unpaid interest.
  • For actuarial loans, the gross outstanding balance. This is the total of payments less payments made.

For Credit Cards, Lines of Credit and Charge Cards:

  • Total amount owing as of the last update. Does not include unposted Transactions or finance charges on purchases in the current billing cycle.

For Mortgages:

  • The current principal balance. Does not include unpaid interest or fees.
  • For payoff information, please contact customer service.

For your Register:

  • This balance reflects both bank cleared and uncleared items. At a given point in time, it may match Bank Balance or Available Balance.


Balance (Investment Account)

The Market Value as of the most recent valuation date from sources believed to be reliable. In cases of inactive or infrequently traded securites, some securites in your portfolio may be listed as unpriced or valued at prices not reflective of current market values. Securities prices may vary from actual liquidation value. The balance should be used as a general guide to portfolio value. NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE



Bank Mail

Secure email sent within the Internet Banking website to HSBC Bank USA, N.A.



Bank, we, us and our

HSBC Bank USA, N.A.



Business Day

Any day other than a Saturday, Sunday or Bank holiday.



Button

The object containing the action to be initiated by clicking on the object.



C

Card Number

Large-type 16 digit number embossed on plastic card.



Check Card Number

Large-type 16 digit number embossed on card.



Check Image

A posted item (check, deposit ticket or miscellaneous debit or credit) that has been digitally captured (imaged) and placed in the Image Archive.



Check Number

Serial number of check.



Check Number Range

Range of check serial numbers. Used to obtain a selected group of checks. For example, 1001 to 1005 will select check numbers 1001, 1002, 1003, 1004, and 1005.



Check Quantity

Number of checks to be re-ordered, options are limited to 1-2 orders.



Checking Account

The personal checking account you designate for Internet Banking.



Click

Press the mouse button to select the option.



Confirm

Verify data entered or information appearing on the screen is correct.



Confirmation Number

Number assigned to a transaction initiated when using Internet Banking.



Confirmed

Action taken has been accepted.



Cookies

Small pieces of information sent by a web server to be stored on a web browser so that it later can be read back from that browser. This is useful for having the browser remember some specific information. HSBC web server places and retrieves cookies on your browser to uniquely identify the connection between HSBC and your browser. This feature keeps someone from breaking into the connection and is one of the many features used by HSBC Internet Banking to keep your transactions secure.



Corporate Check

If your payment is sent using this method, payment will be mailed to the payee and your checking account will be debited for the payment on the business day after the process date selected for that payment.



Current Year Contribution Amount

Total amount of retirement account contributions designated as contributions for this tax year.



Current Line Amount

Maximum amount of credit allowed on a Line of Credit loan account.



D

Date

Date transaction is processed by the financial institution.



Date Opened

Date account was opened.



Date Originated

Date transaction occurred, may be different than the posting date.



Date Paid

Date funds were withdrawn from the account to pay a bill.



Date Range

Range of dates. Used to obtain a selected group of transactions based on the date. For example, 01/05/2012 to 01/10/2012 will select transactions dated 01/05/2012, 01/06/2012, 01/07/2012, 01/08/2012, 01/09/2012 and 01/10/2012.



Decline

Decline terms and conditions for using this service.



Delete

Erase existing information.



Delete button

Button used to erase existing information or transaction scheduled to occur.



Digital Security Device

Part of the Mobile Banking application. Once downloaded to your smart phone can be used to generate a unique security code to be used to login to Personal Internet banking to secure your account and transactions . It is compatible with IPhone and Android devices.



Dormant

A dormant account is one where there has been no customer generated activity for a predetermined period of time.



E

EasyView

EasyView is a branded personal information management service provided to you by HSBC and is owned and operated by Yodlee.com, Inc. This service enables you to aggregate, or bring together, most of your online accounts in one place. When you Sign Up, you will create a single EasyView ID and password that you will use to access the service and your accounts. As you add accounts to EasyView, you will provide (one-time) the account ID and password for each. Each time you Log on using your EasyView ID and password, you will have access to information from the online accounts you've added, without having to re-enter each account ID and password. An auto Log on feature is also available to give you click-through access directly to your online accounts.



Electronic Payments

If your payment is sent using this method, payment will be sent electronically to the payee and your account will be debited on the business day after the process date selected for that payment.



Enter button

Button used to continue to the next screen.



Escrow Balance

Total amount of funds held in escrow on a loan, generally for the purposes of paying real estate taxes and insurance.



Exit

Used to exit HSBC Internet Banking registration and go to the HSBC Bank USA, N.A. home page.



F

Final Transfer Date

Last date a transfer will be scheduled for a recurring transfer.



Financial Institution

HSBC Bank USA, N.A.



First Transfer Date

Date on which a recurring transfer will take place for the first time.



Frequency

How often a transaction will occur.



G

Glossary

Link used to access the glossary of terms. Select the Help link from any screen to access the Glossary.



H

Help

Link used to obtain information about the page you are viewing and to access the glossary of terms.



Historical

Information regarding activity occurring in the past.



History

Activity that has occurred prior to the current date.



Hyperlink

Underlined text on the Internet web page, that is linked to another location. Click on the underlined text to go to the linked location.



I

Interest Accrued Not Paid

Total amount of interest earned on the account that has not yet been posted to the account.



Interest Archive

HSBC's warehouse of check images.



Interest Paid

Amount of interest deposited to an account or paid on a loan.



Interest Rate

Deposit Accounts:

  • Rate the account is earning.

Loan Accounts:

  • Rate charged on the loan balance.


Internet Banking

The use of a computer, Web Browser, and login credentials to transfer funds between Accounts or to obtain information about Account balances and activity.



Internet Banking Credentials

Items used to log into your Internet Banking account. This includes your Username, Memorable Question, and Password.



Internet Banking Username

A unique, alphanumeric Username used to identify you as a subscriber to Internet Banking. This identifier may be selected by you during registration and changed any time after you Log on.



Investment Account

The Market Value as of the most recent valuation date. Securities prices may vary from actual liquidation value. The balance should be used as a general guide to portfolio value. NOT FDIC INSURED, NO BANK GUARANTEE, MAY LOSE VALUE



L

Last Statement

The last time a statement was sent recapping the activity on the account.



Last Statement Balance

Ending balance showing on last statement created for the account.



Last Statement Cycle Date

Date last statement was created for the account.



Last Transaction Date

Date the last transaction applied to the account occurred, may or may not be customer initiated.



Ledger Balance

Total amount on deposit for the account.



Logoff

Used to end the session.



M

Maturity Date

Date account attains maturity.



Message Expire Date

Date message will be deleted from the list of messages.



Memorable Question and Answer

A personal identification code, which you have selected or has been issued to you by the Bank and is required for logging into Personal Internet Banking.



Modify

Change existing information.



Modify button

Button used to change existing information.



More button

Button used when additional information is available but has not been provided. Clicking on the More button will provide additional information.



N

New Confirmation Number

New confirmation number assigned to an action that has previously been assigned a confirmation number.



Nickname

Personalized name given to an account to assist in identifying the account.



Not in History

Transaction does not appear in the history list.



Number of Transactions

Used to select a specific number of transactions.



O

OFX Format

Type of file format used when downloading transaction data into Money.



One-time Transfer

Transfer set up to occur only once.



Online Help

Accessible from Internet Banking screens by clicking on Help.



Original Deposit Amount

Initial amount placed in an account on the date account was opened.



Origination Date

Date transaction occurred, may be different than the posting date.



Outstanding Balance

For Checking and Savings accounts (excluding CD's):

  • The total funds available for use (withdrawal). This may exclude funds from check deposits not yet made available and other credits not yet posted to the account. This is also referred to as 'Available Balance' in certain spots of this system. Reference to 'Ledger Balance' or 'Bank Balance' will include funds from check deposits and other credits not included as part of the Available Balance.

For Certificate of Deposit Accounts:

  • The ledger balance excluding unearned interest.

Individual Retirement Accounts (IRA):

  • The ledger balance excluding unearned interest.

For Loans:

  • For simple interest loans, the current principal balance. Excludes accrued but unpaid interest.
  • For actuarial loans, the gross outstanding balance. This is the total of payments less payments made.

For Credit Cards, Lines of Credit and Charge Card:

  • Total amount owing as of the last update. Does not include unposted Transactions or finance charges on purchases in the current billing cycle.

For Mortgages:

  • The current principal balance. Does not include unpaid interest or fees.
  • For payoff information, please contact customer service.


P

Paid From Account

Account bill was paid from.



Password

A 6-8 alphanumeric personal identification code, which you have selected or has been issued to you by the Bank. Password input is required when accessing Internet Banking and helps ensure that only you have access to this service. You can change your password online at any time by accessing Change Profile and then Change Password.



Payment Method

The method used to send out a bill payment. If a payee accepts checks only, a Corporate Check is sent. If a payee accepts Electronic Payments, the payment may be sent electronically.

  • Corporate Check: If your payment is sent using this method, payment will be mailed to the payee and your checking account will be debited for the payment on the business day after the process date selected for that payment.
  • Electronic Payments: If your payment is sent using this method, payment will be sent electronically to the payee and your account will be debited on the business day after the process date selected for that payment.
  • Reject: The payment could not be processed because of incorrect payment information (payee address or account number).
  • Returned Payments: The payment was returned because it could not be delivered to the Payee or the Payee could not process it because of incorrect payment information (account number).
  • Funds Unavailable: The payment could not be processed and was cancelled because your checking account did not have the available funds on the date the payment was processed.


Pending Transactions

Pending Transactions are transactions that have been submitted to the Bank, but have yet to finally post to your account. Pending Transactions include, but are not limited, to cash deposits*, direct deposits, merchant purchases, point-of-sale (POS) purchases, ATM withdrawals and transfers of funds. The pending amount shown for certain pre-authorized merchant purchases (ie. gas stations, restaurants, etc) may differ from the final posted amount. In addition, check deposits will post as outlined in the Funds Availability section of the Rules for Deposit Account booklet.

* Cash deposits reflected in pending transactions will not include those processed at an HSBC ATM using envelopes until the envelope is opened and verified.



Personal Financial Management (PFM) Software

Software used to manage personal finances.



Personal Identification Number

Access number identified with the plastic card.



Physical Security Device

A small calculator like device to provide an extra level of security for the sensitive banking transactions. Using a pin of your choice generates a unique security code to be used each time for logging into your personal Internet banking to secure your account and transactions.



PIN

Personal Identification Number identified with the plastic card.



POS

Point of Sale transaction.



Posted Transactions

Transactions that have affected your account.



Posting Date

Date transaction was applied to the account.



Principal Balance

Principal amount owing on a loan.



Prior Year Contribution Amount

Total amount of retirement account contributions designated as contributions for the previous tax year.



Problem Reason

Categorizes the problem that is being reported.



Profit Margin

The cost of financing the sale of the home.



Q

QFX Format

Type of file format used when downloading transaction data into Quicken.



R

Receiving Account

Specific account identified to receive the deposit when transferring funds.



Recurring Transfer

Transfer set up to occur more than once on a regular basis.



Reference Number

Number assigned to a transaction by the financial institution.



Refill Defaults

Reset fields to their original content.



Register

Process required to sign up and use the service.



Remaining Available Credit Line/Available Credit

Amount of credit available on a line of credit account; calculated by subtracting the Current Balance from the Current Line Amount.



Reorder Checks

Request a shipment of checks. Checks will be prepared identical to your last order. Do not use this service if you have moved and need a new address printed on your check.



Reply to Message

Send a response back on a message received through this service's mail system.



Request a Check Copy

Initiate a request for a copy of a check you have written on your account.



Return Tab

Tab used to return to the page you were viewing prior to selecting the Help tab.



Routing/Transit

Nine digit number used to identify specific financial institution. The routing/transit number is printed at the bottom of a personal check on the far left-hand side. On a business check, the serial number of the check is printed first, followed by the routing/transit number.



S

Scheduled

Date transaction is set to occur



Scheduled - One-time

Transfer scheduled to occur only once.



Scheduled - Recurring

Transfer scheduled to occur more than once on a regular basis.



Scheduled Transfers button

Button used to return to the list of scheduled transfers.



Search Again button

Button used to return to previous screen; allowing search criteria to be re-defined.



Search Type

On the Transfer Search screen, the Search Type field is used to select the type of transfer information to locate. Choices include:

  • Scheduled - All (All transfers scheduled to occur)
  • Scheduled - One-time (Transfers scheduled to occur only once)
  • Scheduled - Recurring (Transfers scheduled to occur weekly, monthly, semi-annually, quarterly or annually)
  • Historical (All transfers that have occurred in the past that were initiated through the pc.)


Send a Message

Send an electronic message to us within this system.



Services tab

Tab used to access additional service options, including receiving or sending a message.



Sort

Change the order of the information displayed.



Subject

Categorizes the message being sent. Options are:

  • Request Product Information
  • Help With Balancing Account
  • Possible Bank Error on Account
  • ATM Problem
  • Question or Problem on Checking or Savings Account
  • Question or Problem on Loan Account
  • PC Banking Question
  • Hardware Problem/Question
  • Other


T

Term

Length of time the deposit is to remain on deposit; displayed in days, months, or years.



Terms

Terms and Conditions agreed upon for using the service.



Total Number of Transfers

Total number of times a recurring transfer (weekly, monthly, semi-annually) will take place.



Transaction Detail

Additional information about the transaction.



Transaction History

Information regarding activity that has occurred on the account. For accounts receiving statements, the amount of history included is the previous statement plus any transactions that have occurred following the last statement. Approximately 45 days of transactions are available.



Transaction Source

Categorizes where the transaction occurred. Categories include:

  • ATM
  • Teller
  • Point-of-Sale (POS)
  • Automated Voice Response (ARU)
  • Home Banking
  • ACH
  • Check


Transaction Type

Transaction Types include withdrawal, deposit, check, credit, debit.



Transaction Authority

Types of transactions allowed within this service for the account listed. 'Yes' appears next to those allowed, otherwise 'No' appears. Types of transactions are:

  • Inquiry
  • Transfer To
  • Transfer From
  • Bill Payment


Transfer Date

Date money will be scheduled for transfer.



Transfer Deleted

Existing transfer scheduled to occur is deleted and therefore will not occur. If the transfer is weekly, monthly, semi-annually or annually, all future transfers will also be deleted. A new confirmation number is assigned when this action is taken.



Transfer From Account

Account used to withdraw funds when transferring between accounts.



Transfer Modified

When existing transfer scheduled to occur is changed. If the transfer is weekly, monthly, semi-annually, quarterly or annually, all future transfers will also be changed. A new confirmation number is assigned when this action is taken.



Transfer Scheduled

Transfer request has been captured and will be processed by the next business day.



Transfer Search - Scheduled or Historical

Screen used to locate a transfer that is scheduled to occur in the future (scheduled) or a transfer that has already occurred in the past (historical).



Transfer Search button

Button used to access Transfer Search - Scheduled or Historical screen. The Transfer Search screen is used to locate a transfer that is scheduled to occur in the future (scheduled) or a transfer that has already occurred in the past (historical).



Transfer To Account

Account used to deposit funds to when transferring between accounts.



Transfer Type

Identifies how frequently a transfer between accounts is to be initiated. Options for Transfer Type include:

  • One-time (occurs only once)
  • Weekly (occurs once each week, such as every Wednesday)
  • Monthly (occurs once each month, such as the 1st of each month)
  • Semi- Annually (occurs once every 6 months, such as April 30th and October 30th)
  • Quarterly (occurs once every 3 months, such as March 30, June 30, September 30, December 30)
  • Annually

Transfers set up with a type other than 'one-time' are also referred to as 'recurring'.



Transfer Within My Accounts

Selection used to transfer funds between accounts associated with this service, which are listed in the Account Summary.



Transmit Date

Date funds are withdrawn from the account to make a bill payment.



U

Username

A unique, alphanumeric Username used to identify you as a subscriber to Internet Banking. This identifier may be selected by you during registration and changed any time after you Log on.



W

Web Browser

The versions of the commercially available Web Browsers that have been approved by the Bank for use with Internet Banking. The list of currently available browsers is located under browsers in Online Help.



Where Transaction Occurred

Categorizes where the transaction occurred by type. Categories include:

  • All (all transaction types)
  • ATM (Automated Teller Machine)
  • Teller
  • POS (Point-of-Sale)
  • ARU (Automated Voice Response)
  • Home Banking
  • ACH
  • Check


Y

You and your

Each person who uses Internet Banking offered by HSBC Bank USA, N.A.



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