Account opening FAQs | HSBC


Frequently Asked Questions

What do I need to apply online?

You must be at least 18 years of age, have a Social Security Number, and have a U.S. residential address to apply for an account online. If you don't have a Social Security Number or have a military address, please call 800.975.4722.

The deposit and credit card application requires the following information:

  • Your Social Security Number
  • Date of birth
  • Telephone Number
  • Email address
  • Employment information
  • U.S. residential address
  • U.S. current driver's license, U.S. non-driver identification card, U.S. learner permit, passport, or Permanent Resident Card / Green Card
  • Your bank account and routing number to transfer frunds from in order to fund your new account electronically (deposit only)
  • Meet the requirements to complete a Form W-9 Tax Certification (deposit only)

Please note: The deposit application is an individual application only. Once your account is open, you can add a joint account holder to a checking or savings account. A joint account holder can't be added to a Certificate of Deposit (CD) once the account is open. To apply for a joint CD application, please visit your local HSBC branch.

Can I apply if I'm not a U.S. citizen?

Yes, you can apply for an account online as long as you are at least 18 years of age, have a Social Security Number, and have a U.S. residential address. In addition to the required standard documentation you must meet the requirements to complete IRS Form W-9 (Request for Taxpayer Identification Number and Certification).

If you don't meet these requirements, you can call us at 800.975.4722 to speak with a specialist in the Customer Relationship Center or you can use the Live Chat feature to connect with one of our agents for assistance.

How long will it take to complete the online application?

If you have the information on hand, the application should take you approximately 15-20 minutes to complete. If you are an existing Personal Internet Banking customer, you can take advantage of our shortened application for existing customers.

Is my online application secure?

The security of your personal information and your online banking transactions are of utmost importance to HSBC. We maintain strict security standards and procedures to prevent unauthorized access to your information, including 128-Bit SSL Encryption, Internal Systems Encryption, and Firewalls. Visit our HSBC Security & Fraud Center for additional information.

What can I expect after the application is submitted?

After you have completed the application you will receive an "Application Status" notice via e-mail, which will give you directions on how to proceed. Make sure you get this e-mail by checking that your spam filters and do not block e-mail from

You may need to send:

  • A check - if you decided to fund your account by mailing a check
  • Additional documentation, if needed

Once we receive all necessary documents and are able to verify your information, we will contact you by email and open your account within two business days.

Existing HSBC customers can log on and view your new HSBC accounts online the day after they are opened. If you are new to HSBC, you can register for Personal Internet Banking once your account has been opened by clicking here.

Following the completion of your Personal Internet Banking registration, we will send your Personal Internet Banking username via email within two business days after the account has been opened. To protect your security, passwords are sent separately via U.S. mail. Once you have received both, usually within 10 business days, you can log on to your account and see your new HSBC account number.

How do I open a joint account online?

The deposit application is an individual application only. Once your account is open, you can add a joint account holder to a checking or savings account if the following requirements are met by calling 800.975.4722 between 8:30 AM - 5:00 PM ET Monday through Friday:

  • Both you and the joint applicant need to call together
  • The joint applicant must have a Social Security number
  • The joint applicant must have a U.S. residential address
  • The joint applicant must have a valid government issued ID

If the your joint applicant does not meet the above requirements, both of you can visit a local branch to complete the application process.

Please note: A joint account holder can't be added to a Certificate of Deposit (CD) once the account is open. To apply for a joint CD application, please visit your local HSBC branch.

If I am already an HSBC customer, will I be required to provide copies of ID, social security card and proof of address?

Once your application has been submitted, we may reach out to you within 48 business hours if additional information is required. Upon review, you will receive an email with the status of your application.

Why is this information and documentation required?

When you apply for an account, government regulations require that we ask for identification such as address, date of birth and Social Security Number to verify your identity. This information is not used for any other purpose.

If you don't have a Social Security Number, you can still open an account, but we won't be able to accept an application online. Instead, you can go to your local branch to open an account.

How can I make my opening deposit?

The minimum deposit is $1.00 for checking and savings accounts. When completing the application, you're given the option to send your initial deposit electronically. You can do this by using either trial deposit verification or providing your login credentials for your non-HSBC bank account and we'll verify you in real time. If we're unable to verify your account electronically through either of these methods, you can send us a check.

You may use a personal check or a bank check. We can't accept cash or third party checks as an opening deposit. Third party checks include business checks, payroll checks, and checks written by any other party other than the applicant.

Please make sure all checks are completely filled out, made payable to yourself, signed, dated, and your application ID is included in the memo field and send it to:

P.O. Box 4045
Buffalo, NY 14240-4045

Do not forget to include a completed HSBC deposit slip.

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

How long will it take before I know my account has been opened?

Depending on the method of funding, your approval status, and whether we have received all necessary information, your account will be opened within two business days. We will update you by email on the process of your account opening.

Account opening tools

Have a question?

Call our Customer Relationship Center

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:


Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.


我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。


我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

Welcome back!

Please select the product you applied for to resume your application.

Verify trial deposits
Go to Top