FAQs and download center | HSBC

 

A convenient list of FAQs and common downloads

Please use this page to find links to the HSBC FAQs and downloadable forms that are commonly used. Or, look below to find answers to commonly asked questions about HSBC.

Product FAQs



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Other FAQs center

Banking transactions

Paying bills

Transfers

Customer profile updates and online service requests

1099

Security

Online account opening

General application

Banking transactions

Making deposits and transferring funds

How do I make a deposit to my account?
How do I transfer funds?
What is HSBC's ABA Routing Number (Fed Wire Number), SWIFT Code, or IBAN number?
What information is needed to receive a Funds Transfer (wire) into my account?
How do I dispute a transaction? (ACH debit, credit card dispute)
How do I request a copy of a statement or a check?

How do I make a deposit to my account?

There are several options to make deposits to your accounts:

  • ATM – HSBC has a wide network of ATMs in the U.S. where you can transfer funds between your accounts or deposit cash or checks–no envelopes required.
  • Bank-to-Bank Transfers – If you are enrolled in Personal Internet Banking, you can also transfer funds in the U.S. between your eligible HSBC and non-HSBC accounts using Bank–to–Bank Transfers.
  • Deposit by Mail – HSBC accepts check deposits sent through the mail. Please accompany your check with a completed deposit slip and send it to:
    HSBC Bank USA, N.A.
    P.O. Box 2690
    Buffalo, NY 14240-2690
  • Branch deposit – You can also visit one of our branches
  • Deposit by Mail via DHL/FEDEX - HSBC accepts check deposits sent through the mail from customers outside the United States. Please accompany your check with a completed deposit slip and send it to:
    HSBC Bank USA, N.A.
    Bank by Mail, M1
    2929 Walden Ave
    Depew, NY 14043

For your protection, please do not send cash through the mail.

How do I transfer funds?

To transfer funds between banks, the following options are available:

  • Bank-to-Bank Transfers – If the sending and receiving bank accounts are both in your name, and are at U.S. banks, you can transfer funds between your eligible HSBC and non-HSBC accounts using Bank–to–Bank Transfers.
  • Funds Transfers – You can also transfer funds between domestic and foreign banks via Funds Transfers, more commonly known as a Wire Transfer. The owner of the account from which the funds are being sent will need to initiate the transfer request. The following information will be needed:
    • The recipient's full name, address and if known, phone number.
    • The recipient's bank account number (e.g., their checking or savings account number).
    • The recipient's bank's full name and address.
    • The banking system to be used – ABA Routing Number (Fed Wire Number), SWIFT or CHIPS
    • The recipient's bank's institution number, for example ABA Routing #123456789.

What is HSBC's ABA Routing Number (Fed Wire Number), SWIFT Code, CHIPS, or IBAN number?

  • Our ABA Routing Number (Fed Wire Number) for a Funds Transfer to an HSBC account is 021001088.
  • HSBC Bank USA's SWIFT Code, used for international Funds Transfers to the US, is MRMDUS33.
  • HSBC Bank USA's CHIPS number, used for a Funds Transfer or International Funds Transfer is 435499.
  • HSBC Bank USA does not have an IBAN number, as the IBAN system is typically used outside the U.S.

What information is needed to receive a Funds Transfer (wire) into my account?

In order to receive a Funds Transfer into your account, you will need to provide the person sending the Funds Transfer with information about your account. Every bank is slightly different, but typically banks require the following information:

  • Your name and address.
  • Your account number and HSBC's ABA Routing Number (Fed Wire Number, for transfers within the US) or SWIFT code (for international transfers). HSBC's ABA Routing Number (Fed Wire Number) for Funds Transfers is 021001088. HSBC Bank USA's SWIFT Code, used for international Funds Transfers, is MRMDUS33.
  • Your HSBC branch's address

How do I dispute a transaction? (ACH debit, credit card dispute)

The means of disputing a transaction varies depending on the transaction type. Please contact us so that we may help you through the process.

  • You can send your request via BankMail in Personal Internet Banking. Please include the type of transaction you would like to dispute and the reason for the dispute.
  • If you do not use Personal Internet Banking, you may also contact us via telephone at the Customer Relationship Center or visit one of our branches.

How do I request a copy of a statement or a check?

If you are a Personal Internet Banking customer, you can obtain copies of statements and checks for up to 12 months via Personal Internet Banking. For viewing checks online, Personal Internet Banking customers with a checking account must be enrolled in the RecordCheck® service.

  • If you need copies of an older statement or check, you can send your request via BankMail in Personal Internet Banking. Please provide the specific details pertaining to your request, for instance the statement period of the check number that you require a copy of. Service fees may be associated with this request.
  • You may also contact us via telephone at the Customer Relationship Center or visit one of our branches.
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Direct deposit and auto Bill Pay

How do I get direct deposit?

To enroll in direct deposit, please contact the company or agency from whom you expect to receive the deposits. Every organization typically has their own process or paperwork to complete. At a minimum, you will need to provide them with your account number and HSBC ABA Routing Number.

To facilitate your direct deposit, it may also be helpful to print this Direct Deposit Transfer Letter, and take it to your employer.

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Making credit card payments

How do I make a payment on my HSBC accounts?
How can I pay my bills automatically?
How do I get information about U.S. Dollar Draft (i.e. Official Check)?
Why is there a difference between my bank and available balance on Personal Internet Banking?

How do I make a payment on my HSBC accounts (credit card, loan, Select Credit)?

There are several options to pay your HSBC accounts:

Auto payment: You can pay your HSBC accounts automatically by enrolling in auto payment. To pay your other non-HSBC bills, you can enroll in HSBC's free Bill Pay service through Personal Internet Banking.

Personal Internet Banking: You can make payments between your deposit accounts and your credit accounts using our free Personal Internet Banking service. Once logged onto Personal Internet Banking, click "Transfers" on the left navigation bar and schedule your transfers between your HSBC accounts. You can set up one-time or recurring transfers.

Telephone banking: You can make payments between your HSBC deposit accounts and your HSBC credit accounts through telephone banking using your Telephone Access Code. Contact us via telephone at the Customer Relationship Center. You can also come into a branch to make a payment.

How can I pay my bills automatically?

You can pay your HSBC accounts automatically by enrolling in auto payment. To pay your non-HSBC bills, you can enroll in HSBC's free Bill Pay service through Personal Internet Banking.

How do I get information about U.S. Dollar Draft (i.e. Official Check)?

To learn more about U.S. Dollar Draft, also known as an Official Check, call Customer Relationship Center or visit one of our branches.

Why is there a difference between my Bank and Available Balance on Personal Internet Banking?

HSBC's Personal Internet Banking displays your most recent 24 months worth of transactions that have posted to your deposit account as of the previous business day. Any pending transactions such as payments or deposits that have posted to your account on the current day will now be reflected in your transactions and will also be reflected in your available balance. Your bank balance is your balance as of the end of the previous business day. Your available balance is your bank balance plus or minus any current day debits or credits that HSBC has received for your account. If you have further questions on these unposted transactions, contact us via telephone at the Customer Relationship Center or visit one of our branches.

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Questions about dormancy

I received a pre-dormancy notification letter. What do I do?
I want to change the dormancy status on my accounts. What do I do?

I received a pre-dormancy notification letter. What do I do?

If you have received a pre-dormancy notification letter, please contacts us through one of the below options so that we may update your records.

  • You can send a request via BankMail in Personal Internet Banking. Please provide us a detailed account of your request.
  • If you do not use Personal Internet Banking, you may also contact us via telephone at the Customer Relationship Center or visit one of our branches.

I want to change the dormancy status on my accounts. What do I do?

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Telephone banking

How do I access telephone banking? (new TAC, change TAC)

HSBC provides customers with access to their account information via telephone banking. Before we can provide you with information on your account, we need to authenticate your identity in order to prevent identity theft or theft of the money in your accounts. We can authenticate your identity by having you input your Telephone Access Code (TAC). Your TAC is a unique number, like a PIN for an ATM card, that was mailed to you at the time you opened your deposit account. We can also authenticate your identity by asking questions about your relationship with HSBC. Interested in the convenience of banking with a Telephone Access Code but don't remember what it is? Send us a BankMail through Personal Internet Banking requesting a TAC Reminder. You will receive your reminder via postal mail within 3 – 5 business days. Want to change your TAC to something you'll remember more easily? Contact us via telephone at the and listen to the prompts in order to change your TAC.

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ATM/debit cards

How do I get a debit card with my HSBC checking account?
What's the difference between the ATM card and the debit card?

How do I get a debit card with my HSBC checking account?

If you have not yet opened an account with HSBC, just request a card on your HSBC account application.

If you are requesting a debit card for an existing checking account, click here to start your application.

You can also request a card (debit card) by sending us a BankMail or by contacting the Customer Relationship Center . We will send your card by mail 7-10 business days from either the account opening date or the date the request is received.

What's the difference between the ATM card and the debit card?

An ATM card is used primarily for deposits and withdrawals at ATMs, and in some cases, point-of-sale (POS) purchases with a Personal Identification Number (PIN). A debit card has all the features of an ATM card, plus it can be used anywhere MasterCard® is accepted to purchase merchandise by directly debiting your checking account. Both cards can be used for deposits and withdrawals at any HSBC ATM in the U.S., and can be used to withdraw cash at over one million ATMs worldwide where the MasterCard®, Maestro® or Cirrus® marks are displayed. Foreign transaction fees may apply when using ATMs outside of the U.S., including HSBC ATMs.

Please note there may be HSBC fees for using non-HSBC ATMs that are disclosed on your EFT Facility Charges Disclosure.

Paying bills

Using Personal Internet Banking

Can I pay bills online using Personal Internet Banking?
Is there a fee for the Bill Pay service?
How do I report a Bill Pay problem?
Is there a cut off time in order for transactions to be processed today?
How does my payment get processed and when is the amount deducted from my checking account?

Can I pay bills online using Personal Internet Banking?

You can pay virtually anyone in the US - utilities, credit card, loan accounts, subscriptions or friends/family.

If you have an HSBC checking account, when you register for Personal Internet Banking, you will be given the option to add the free Bill Pay feature as part of your service. 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 5 business days before a payment is due to avoid late charges.

Is there a fee for the Bill Pay service?

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

How do I report a Bill Pay problem?

If you have any questions on Personal Internet Banking or Bill Pay, contact our Customer Relationship Center at 800.975.4722. Or send a secure BankMail through Personal Internet Banking. We'll be happy to help you.

Is there a cut off time in order for transactions to be processed today?

Through Personal Internet Banking, 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 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 Bill Pay payments are sent to your payees either electronically or by corporate check. Your checking account is debited on the business day selected for that payment. If a payee accepts checks only, an individual corporate check is sent and your checking account is debited on the business day selected for that payment.

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Questions about payments

Can I use the Bill Pay Service to pay bills outside the U.S.?
Can I use Personal Internet Banking to pay my existing HSBC loans, credit card, line of credit and mortgage payments?
Can I choose when my bill payments get processed or are they processed automatically each month?
Can I obtain copies of my canceled checks or some type of proof of payment?
What if I make a payment to the wrong payee? Can I cancel or stop the payment?
How will I know if my payees received payments through Bill Pay?
What happens if I stop using the Bill Pay feature?
Will you guarantee that my Bill Pay payments will arrive on time?

Can I use the Online Bill Pay Service to pay bills outside the U.S?

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

Can I use Personal Internet Banking to pay my existing HSBC loans, credit card, line of credit and mortgage payments?

Yes. To pay your HSBC accounts, you can simply select "Transfers" from the left navigation inside Personal Internet Banking. You can transfer funds from your checking or savings account to the HSBC account you want to pay. Credit card payments may take 2 business days to post.

Customers will no longer be able to utilize the transfer function for payments or advances to their mortgage or HELOC accounts; however, you may still submit online payments using the bill pay function.

Can I choose when my Bill Pay payments get processed or are they processed automatically each month?

You can select the business day your payment should be processed. 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 5 days before they are due to give your payees time to receive and process payments.

If you prefer to have your bills paid on a regular, automatic basis, then choose "Recurring Payments" from the Bill Pay menu. You should also refer to the Personal Internet Banking Terms and Conditions for details on Bill Pay 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. Personal Internet Banking RecordCheck® customers can view and print the front and back of their posted HSBC check images by using two methods:

  • The first is through the "Account Details" section of Personal 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 back of the check image.
  • The second way is to select "Customer Service" from the left menu of Personal 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 who 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 will 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 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 1 business day before the process date. Use the "Modify Payments" option in the "Bill Pay" section of Personal Internet Banking, or contact our Customer Relationship Center at 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 received.

What happens if I stop using the Bill Pay feature?

Your Bill Pay service may be canceled if it stays inactive for 3 months or more. However, you may come back anytime and sign up under "Pay Bills" on the Personal Internet Banking menu. You will be notified before any changes are made to your Bill Pay service.

Will you guarantee that my Bill Pay payments will arrive on time?

HSBC will bear the responsibility for any late-payment-related charges should an online Bill Pay 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.

Transfers

Making transfers

What types of transfers can I make?
How many transfers can I make from my HSBC savings or money market accounts?
What can I do to comply with Federal Regulation D?
How quickly can I transfer money between HSBC deposit accounts?
How do I set up recurring transfers between accounts?
How do I make transfers from an external account I have not yet entered on HSBC's Personal Internet Banking?

What types of transfers can I make?

You can transfer funds to and from your HSBC checking, savings, credit card, and select credit accounts. 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 can I make from my HSBC savings or money market accounts?

There are certain restrictions on the number of transfers you can make from your HSBC savings or money market accounts.

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 6 pre-authorized, automatic, computer or telephone transfers in any calendar month. These transfers include transfers made through Personal Internet Banking.

The following transfers do not count towards the limit:

  • Transfer or withdrawal requests made in writing and delivered in the mail or by a messenger
  • Transfers or withdrawals made in person at any of our office locations
  • 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 calendar month.

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 Personal 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 into your savings or money market account and you frequently transfer money from that account as needed via phone or Personal Internet Banking, consider setting up your Direct Deposit so that the majority of it goes into your checking and a smaller portion goes into 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 HSBC deposit accounts?

You can transfer funds between your HSBC deposit accounts instantly. The time it takes for transfers between HSBC accounts and accounts in other financial institutions may vary, but you can expect it to take up to three business days.

How do I set up recurring transfers between accounts?

To set up recurring transfers between an external account and an HSBC account:

  • Click on the Bank-to-Bank Transfers tab within Personal Internet Banking (a pop-up window will appear)
  • 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)
  • Set up as many Recurring Transfer Plans as you want. There's no fee

To set up recurring transfers between two HSBC accounts:

  • Click on the Transfers tab within Personal Internet Banking and fill out the necessary information. You can select the frequency of transfers as well as how many you would like to schedule.

How do I make transfers from an external account I have not yet entered on HSBC's Personal Internet Banking?

You can always transfer funds into your HSBC accounts from other financial institutions. With Bank-to-Bank Transfers, you can move money between your HSBC accounts and other financial institutions, credit unions and brokerage accounts. If you are unable to conduct the transfer online, please call the institution you want to make the transfer from. All they will need is your HSBC account number and the HSBC routing number: (021001088).

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Making deposits and withdrawals

How do I make a withdrawal from an Online account such as an HSBC Advance Online Savings account?
If I have multiple HSBC accounts, which ones will I access with my ATM or debit card?
How do I change or get a new PIN for my ATM or debit card?
How will I be reimbursed for fees charged by the ATM network when using my Debit Card?

How do I make a withdrawal from an Online account such as an HSBC Advance Online Savings account?

You can make withdrawals in several ways:

  • Withdraw money at any HSBC branch or ATM
  • Electronically transfer funds to any linked account
  • Request that we mail you a check by sending us a BankMail

If I have multiple HSBC accounts, which ones will I access with my ATM or debit card?

You can designate your primary accounts and ATM preferences by sending us a BankMail with your preferences through Personal Internet Banking or call our Customer Relationship Center at 800.975.4722 to adjust your settings.

How do I change or get a new PIN for my ATM or debit card?

If you know your current PIN and want to change it immediately, call our automated service at 888.619.9667. Be sure to have your card associated with the PIN that you are changing.

If you do not know your current PIN, call HSBC at 888.404.4050 and we will order a PIN reminder to be sent to you. Once you receive the reminder, usually within 5-7 business days, you can call 888.619.9667 to change it immediately.

To change your PIN, fax or mail a request to:
Fax: 716.841.2280
Mail: HSBC Bank USA, N.A.
Customer Relationship Center
P.O. Box 1183
Buffalo, NY 14240

You must include: A copy of your acceptable form of ID; your new PIN; your ATM card number; your signature.

Below is a list of acceptable forms of ID:

  • U.S. Driver's License/No driver's Identification
  • Alien Registration ("Green Card")
  • Foreign Passport
  • Foreign National Identity Card with photograph
  • Permanent Resident Card with photograph
  • Temporary Resident Card with photograph
  • U.S. Employment Authorization Card

How will I be reimbursed for fees charged by the ATM network when using my Debit Card?

HSBC will not charge you any fees at an HSBC ATM, but if you use a non-HSBC ATM you may be charged a fee by the owner of the ATM.

For HSBC Premier checking and HSBC Premier Savings, these fees are rebated on a monthly basis for transactions completed in the U.S., outside of New York State.

For Online Payment accounts and HSBC Advance Online Savings, HSBC will rebate up to three qualifying ATM third party surcharge fees for U.S. transactions based on transaction date order during the calendar month.

For HSBC Advance checking clients, HSBC will rebate up to three qualifying ATM third party surcharge fees for U.S. transactions, outside of New York State, based on transaction date order during the calendar month.

All qualifying rebates will be credited to the account on the first business day of the following calendar month.

Foreign currency exchange fees may apply when using ATMs outside of the U.S., including HSBC ATMs.

Please note there may be HSBC fees for using non-HSBC ATMs that are disclosed on your EFT Facility Charges Disclosure.

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Customer profile updates and online service requests

Managing service requests through Personal Internet Banking

Can I view my checking account transactions online?
Can I request a credit card line increase through Personal Internet Banking?
Can I put a stop payment on an HSBC check through Personal Internet Banking?
Can I view my checks online?
Can I order more checks online?
Can I order a copy of a statement online?
I don't see all my HSBC accounts on Personal Internet Banking. How do I add them?

Can I view my checking account transactions online?

Yes, you are able to review transaction information for the last 24 months or two years of transactions for your deposit accounts. Select the "Transaction Search" option in the "View Accounts" section of the Personal Internet Banking menu.

Can I request a credit card line increase through Personal 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 2 business days.

Can I put a stop payment on an HSBC check through Personal Internet Banking?

Yes. 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, Personal 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 back 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 are available for 365 days from the day the check posts to the account. 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, if you have previously ordered checks and we have your order on file, choose "Order More Checks" from the "Customer Service" menu inside Personal Internet Banking to order additional checks. You will receive a response confirming your order. Costs vary by account type.

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 a Personal Internet Banking confirmation via e-mail and your statement copy will be sent to you by mail.

I don't see all my HSBC accounts on Personal Internet Banking. How do I add them?

Click "Customer Service" on the left navigation bar, then "Add Accounts" from Personal Internet Banking. Enter the account number of the HSBC account you wish to add. The new account will appear in your Personal Internet Banking portfolio, usually within 24 hours.

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Form 1099-INT/Tax related

About the 1099-INT form

What is Form 1099-INT?
What benefits will I gain by having the ability to view my Form 1099-INT online?
When will my Form 1099-INT be available?
What if I still want my Form 1099-INT sent to me via US Postal Service?
Will I be able to view my Form 1099-INT from previous years?

What is Form 1099-INT?

Form 1099-INT is an annual tax statement provided by payers of interest income, such as banks and savings institutions, that summarizes your interest income for the tax year. Interest reported on a Form 1099-INT includes interest paid on savings accounts, interest-bearing checking accounts, and U.S. Savings bonds. This form is also used to report other tax items related to your interest income, such as early withdrawal penalties and federal tax withheld. All Information provided on Form 1099-INT is reported to the Internal Revenue Service

What are the benefits of having the ability to view my Form 1099-INT online?

The benefits you will have include:

  • The ability to gain instant on-line access to your Form 1099-INT every year
  • The ability to review Form 1099-INT from previous years for up to 5 years (beginning with tax year 2009)
  • Helping the environment by reducing the amount of paper, stamps and processing resources required to send your Form 1099-INT through the U.S. Postal Service

When will my Form 1099-INT be available?

You will receive your 1099- INT by the end of January of each calendar year.

What if I still want my Form 1099-INT sent to me via US Postal Service?

You can send a BankMail in Personal Internet Banking to request a copy be mailed to you.

Will I be able to view my Form 1099-INT from previous years?

You can view up to 5 previous tax years going back as far as 2009.

Example, on January 1st, 2013 you can view your Form 1099-INT for tax years 2012, 2011, 2010 and 2009. On January 1st, 2015 you can view your Form 1099-INT for tax years 2014, 2013, 2012, 2011, 2010.

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Accessing your 1099-INT form

What is required in order to access my Form 1099-INT Tax online?
What if I also want a paper copy?
If I have only one account displayed on Personal Internet Banking will my combined Form 1099-INT Tax still display?
What if I have a joint account?
Will the Form 1099-INT be a combination of all my Interest Income?
What if I do not want to view my Form 1099-INT online?
What if I am having trouble accessing my Form 1099-INT online?
What if the information on the Form 1099-INT is not correct?
Will other tax forms be available online?
What will I see in Personal Internet Banking if I do not qualify to receive a Form 1099-INT?
How do I know if I qualify to receive a Form 1099-INT?
What if I do not have the appropriate software to view my Form 1099-INT?
If I have a Personal Internet Banking account, but do not use the eStatement service how will I be able to view my Form 1099-INT online?

What is required in order to access my Form 1099-INT Tax online?

To access your Form 1099-INT Tax online you must have:

  • Signed up for Personal Internet Banking
  • Signed up for eStatements
  • Earned interest income over $9.99

What if I also want a paper copy?

You can easily print your Form 1099-INT as it is available in PDF format. If you do not have access to a printer you can send a BankMail in Personal Internet Banking to request a copy be mailed to you.

If I have only one account displayed on Personal Internet Banking will my combined Form 1099-INT Tax still display?

Yes, as long as you utilize eStatements for at least one account you will receive your Form 1099-INT online.

What if I have a joint account?

Only the primary account holder, based on their Social Security number, will have the Form 1099-INT displayed. No tax information for the secondary account holder will be displayed.

Will the Form 1099-INT be a combination of all my interest income?

The interest reported on Form 1099-INT will include interest paid on savings accounts, interest-bearing checking accounts, and U.S. savings bonds.

What if I do not want to view my Form 1099-INT online?

You can send a BankMail in Personal Internet Banking to request a copy be mailed to you.

What if I am having trouble accessing my Form 1099-INT online?

You will need to contact the Customer Relationship Center at 800.975.4722.

What if the information on the Form 1099-INT is not correct?

You would follow the same steps as you would today when receiving your form via U.S. Postal Service by contacting your nearest HSBC branch or by sending a BankMail in Personal Internet Banking.

Will other tax forms be available online?

Currently we are only providing Form 1099-INT online.

What will I see in Personal Internet Banking if I do not qualify to receive a Form 1099-INT?

You will not see anything different than what exists today under the eStatements menu.

How do I know if I qualify to receive a Form 1099-INT?

This is based on IRS Regulations. If you were qualified to receive a Form 1099-INT via the U.S. Postal Service then you will also be qualified to receive a Form 1099-INT online. Qualifications include documented U.S. persons with interest income over $9.99.

Reminder: You must be signed up for Personal Internet Banking and eStatements in order to view your Form 1099-INT online.

What if I do not have the appropriate software to view my Form 1099-INT?

PDF files require the use of Adobe Acrobat Reader. If you do not already have Adobe Acrobat Reader, you can download it on-line.

If I have a Personal Internet Banking account, but do not use the eStatement service how will I be able to view my Form 1099-INT online?

You will need to sign-up for eStatements by selecting the eStatements menu on the left hand navigation menu.

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Security

Lost and stolen cards or personal information

My HSBC card has been lost or stolen. What should I do?
I may have given personal/account information to someone under false pretenses. What should I do?
I lost a check or my whole checkbook. What should I do?

My HSBC card has been lost or stolen. What should I do?

If you've lost your credit, debit, or ATM card, please contact us immediately via telephone at the Customer Relationship Center . You can also report your card lost or stolen by composing a BankMail in Personal Internet Banking, or you can also visit one of our branches and the branch staff will help you get in contact with the Customer Relationship Center.

I may have given personal/account information to someone under false pretenses. What should I do?

HSBC will never ask you for your account information via a prerecorded telephone call, an email, or a text message. If you have provided personal or account information (e.g. internet banking credentials, PIN number, or telephone access code) to someone else in error via an email phishing or text message scam, please contact us immediately by telephone at the Customer Relationship Center . Report the possible breach by composing a BankMail in Personal Internet Banking, or you can also visit one of our branches.

I lost a check or my whole checkbook. What should I do?

Please contact us immediately by telephone at the Customer Relationship Center . Report the possible breach by composing a BankMail in Personal Internet Banking or you can also visit one of our branches.

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Traveling and FDIC insurance

Is my money FDIC-insured?
How do I communicate securely with HSBC?
I am traveling and need help. How can I contact HSBC?

Is my money FDIC-insured?

Your deposits are insured to the maximum permitted by law. For more information about FDIC insurance, visit www.fdic.gov

How do I communicate securely with HSBC?

BankMail is a secure way to communicate through Personal Internet Banking. When you log on to Personal Internet Banking to send us a BankMail, the content of your e-mail is encrypted so you may ask specific questions about your account with total security.

I am traveling and need help. How can I contact HSBC?

If you are traveling within the U.S. or Canada, please contact us via telephone at the Customer Relationship Center. If you are traveling internationally, you may contact the Customer Relationship Center by calling our collect line. You can also contact us via BankMail in Personal Internet Banking.

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About MasterCard SecureCodeTM

What is MasterCard SecureCodeTM?
How does it work?
How much does it cost?
I have a zero liability guarantee anyway, why should I sign up for MasterCard SecureCodeTM?
Where can I use my card?
Which of my cards can I register for the MasterCard SecureCodeTM service?
How do I register a card in the MasterCard SecureCodeTM service?
What can I select as my SecureCodeTM?
Can I set the same SecureCodeTM for all of my cards?
Once I have registered for MasterCard SecureCodeTM, how soon can I start to use it?
How can I tell if an online retailer accepts MasterCard SecureCodeTM?
What will happen when shopping at a MasterCard SecureCodeTM retailer using my MasterCard?
Will I be asked for my SecureCodeTM at all online retailers?
What happens if I lose one of my SecureCodeTM registered HSBC Bank MasterCards? Do I need to re-register?
When my HSBC Bank MasterCard enrolled in SecureCodeTM is renewed (or replaced due to being damaged), do I need to re-register with the service again?
Can I cancel one or all of my cards from the service?
What happens if I forget my SecureCodeTM?
Can I change my existing SecureCodeTM or personal greeting?
Who should I call if I have any questions?
I suspect someone has access to my SecureCodeTM, what can I do?

What is MasterCard SecureCodeTM?

MasterCard SecureCodeTM is a service that allows you to protect your MasterCard purchases over the Internet by using a personal SecureCodeTM.

How does it work?

Once you have registered a card for the service you will be asked for your MasterCard SecureCodeTM at participating online retailers. This prevents unauthorized usage of your card at participating online retailers and aims to increase confidence when shopping online.

How much does it cost?

The service is free of charge.

I have a zero liability guarantee anyway, why should I sign up for MasterCard SecureCodeTM?

The zero liability guarantee still applies to customers who have signed up for MasterCard SecureCodeTM. However, MasterCard SecureCodeTM is there to help stop the fraud before it happens, by protecting your card with a SecureCodeTM.

If someone else is in possession of your card details and attempts to use them at participating online retailers, they will not be able to do so, as they should not know your MasterCard SecureCodeTM.

Where can I use my card?

You can use your card at participating online retailers in the same way as you do now. If the card you are using is registered for the service you will be asked for your SecureCodeTM before you complete your purchase.

Which of my cards can I register for the MasterCard SecureCodeTM service?

Primary cardholders of the following MasterCard's can register for this service:

  • HSBC Debit MasterCard® (Debit MasterCard®)
  • HSBC Premier Debit MasterCard® (Debit MasterCard®)

How do I register a card in the MasterCard SecureCodeTM service?

You can register your eligible HSBC MasterCard in one of two ways:

To register your card, click here. Once there, enter your 16-digit card number in the card number field, answer a few questions to verify your identity, set your personal greeting and you are ready to go.

If you happen to be shopping on line with a participating merchant, you will be asked to register your card and create your private SecureCodeTM before you check out.

Registration is required for all HSBC Debit MasterCard® cards.

What can I select as my SecureCodeTM?

Your SecureCodeTM can be 6 to 10 characters, and can be letters, numbers or any combination. It cannot include any other characters or spaces.

Can I set the same SecureCodeTM for all of my cards?

Only your HSBC Debit MasterCard® and HSBC Premier Debit MasterCard® are eligible.

Once I have registered for MasterCard SecureCodeTM, how soon can I start to use it?

You can use the service immediately.

How can I tell if an online retailer accepts MasterCard SecureCodeTM?

Participating online retailers will normally display the MasterCard SecureCodeTM logo. For a list of participating merchants, please check the MasterCard SecureCodeTM website.

What will happen when shopping at a MasterCard SecureCodeTM retailer using my MasterCard?

Once you have reached the online checkout and input your card details you will be presented with a separate window in which you will see the HSBC Bank and MasterCard SecureCodeTM logos, details of the transaction, your personal greeting and a SecureCodeTM request box. If you want to proceed with the transaction simply input your SecureCodeTM and click "Submit".

Will I be asked for my SecureCodeTM at all online retailers?

No, only those online retailers who are participating in the service will ask you for your SecureCodeTM.

What happens if I lose one of my SecureCodeTM registered HSBC Bank MasterCards? Do I need to re-register?

If your card has been reported lost or stolen, or if the card number changes, you will need to re-register your new card. Once you have received your replacement card click here to re-register your card. Or, if you are shopping at a participating merchant, you will be asked to register your new card and create your private SecureCodeTM before you check out. Simply follow the instructions to re-authenticate your identity and you can create a new SecureCodeTM and complete your purchase.

When my HSBC Bank MasterCard enrolled in SecureCodeTM is renewed (or replaced due to being damaged), do I need to re-register with the service again?

No. If your card is replaced because it expired, or your original card was damaged, you do not need to re-register your details on the MasterCard SecureCodeTM service.

Can I cancel one or all of my cards from the service?

Yes, simply log-on to http://www.SecureCode.com/hsbc-us and click onto "Account Management".

What happens if I forget my SecureCodeTM?

You can re-register and create a new SecureCodeTM by logging onto http://www.SecureCode.com/hsbc-us. If you forget your SecureCodeTM when making an online purchase, you can quickly reset your SecureCodeTM by clicking on the "Forgot Your SecureCodeTM?" link in the pop-up window during the purchase process. Simply follow the instructions to re-authenticate your identity and you can create a new SecureCodeTM and complete your purchase.

Can I change my existing SecureCodeTM or personal greeting?

Yes, simply log onto http://www.SecureCode.com/hsbc-us and click onto "Account Management".

Who should I call if I have any questions?

Simply call our BankCard Security area at 800.462.1874.

I suspect someone has access to my SecureCodeTM, what can I do?

Simply log onto http://www.SecureCode.com/hsbc-us and reset your SecureCodeTM.

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Online account opening FAQs

Opening accounts

Can I open a new checking or savings account online?
If I am a first-time customer, how do I open an account?
What do I need to apply online?
I am an existing customer. Can I apply for additional HSBC accounts through Personal Internet Banking?
I need more help with my online application. How do I reach a live person?

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 Personal Internet Banking e-mail.

You can also open a checking account over the phone by calling us at 800.975.4722. A Customer Relationship Center representative will be happy to open an account right over the phone.

If I am a first-time customer, how do I open an account?

For many of our accounts, you can apply online. Simply find the product you wish to apply for and click "Apply Now". The application should take approximately 10 minutes to complete.

What do I need to apply online?

You must be at least 18 years of age and have a U.S. address to apply for a deposit account online. If you do not have a U.S. address, please contact the Customer Relationship Center.

The deposit application requires the following information:

  • Social Security Number
  • If you are a non-U.S. Citizen - your country of citizenship, visa expiration date (if applicable), and Resident Alien Card Number (Green Card) or Passport Number, Country of Issuance, and expiration date
  • Current driver's license or state ID
  • Date of birth
  • Current address
  • E-mail address
  • Employment information
  • Primary bank name, address and account number
  • Information about any loans or mortgages that you may have to help us confirm your identity.
  • If applying for a joint account, you will need the secondary applicant's name, social security or personal tax ID number and date of birth.

I am an existing customer. Can I apply for additional HSBC accounts through Personal Internet Banking?

Yes, you will be able to quickly and easily apply for selected HSBC accounts through our shortened application for existing customers. Simply select the product you would like to apply for, click "Apply Now" and log onto Personal Internet Banking. You will then be taken to the application for the product you have chosen. Once opened, your new account will automatically be set up with your existing preferences and linked accounts.

I need more help with my online application. How do I reach a live person?

We are always happy to help. There are several ways to reach us:

Call us at 888.404.4050.
If you are an existing Personal Internet Banking customer, log on and send us a secure BankMail.

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Applying as a non-U.S. citizen

Can I apply if I am not a U.S. citizen?
How long will it take to complete the online application?
Is my online application secure?
What can I expect after the online application is submitted?

Can I apply if I am not a U.S. citizen?

In addition to the required standard documentation, you will need to provide your non-citizen identification number and expiration date. Based on the information you provide, you will be asked to complete a W-8 or a W-9.

How long will it take to complete the online application?

With the required information available, the application should take you approximately 10 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 is 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's Security & Fraud Center for additional information.

What can I expect after the online 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 do not block e-mail from us.hsbc.com.

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 open your account. We will contact you by e-mail once we received all documents and your account will be opened in 1-2 business days. If requested, please be sure to send your signature card using the instructions provided.

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 user name via email within 1-2 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.

Please note, to protect the security of your account, if you forget your password, we can only send it to you by mail. However, if you have an ATM or debit card, we will allow you to reset your password electronically using your PIN number.

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Opening joint accounts

How do I open a joint account online?
If I am already an HSBC customer, will I be required to provide copies of ID, social security card and proof of address?
Why is this information and documentation required?
After I submit my online application, how long will it take before I know my account has been opened?
Will I receive details confirming the opening of my Online CD?
Who can open an account?
How do I make my initial deposit to a deposit account opened online?
How long do I have to complete my HSBC deposit application online?

How do I open a joint account online?

Opening a joint account is just as easy as opening an individual account. Once the primary application is done, the co-applicant can then complete their portion of the application. If the joint applicant is not present or would like to enter their information at a later time, click "Save and Return Later". To resume the application, click "Resume Application" from the home page. Either applicant may fund the new account. We ask you to fill out your applications separately in order to keep everyone's identity safe.

If I am opening a joint account, will I need to provide information and documentation for the joint applicant?

The Primary Applicant and Co-Applicant can choose to complete the application together or separately.We would require the following information:

  • Social Security Numbers and Dates of Birth
  • Either person may choose to fund the new account. If opting to fund your new account online, you will need the bank account and routing number (of the current bank account) of whomever will be funding the new account
  • Current Driver's License information
  • Information about current loans or credit accounts for each applicant to help us verify identity

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

You will be notified if any additional documentation is required.

Why is this information and documentation required?

Government regulations require that we verify your identity before opening an account. We use the information you provide to assist us in confirming your identity.

After I submit my online application, 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 require your signature card to be returned, it could be 3 business days or more. You will be notified via email on the progress of your account opening.

Will I receive details confirming the opening of my Online CD?

Yes, you will receive an email with instructions to log on to your Personal Internet Banking account and open a BankMail containing your eReceipt. The eReceipt contains the issue date, the maturity date, and the APY of your Online CD. Print the eReceipt and keep a copy for your records.

Who can open an account?

You must meet three requirements to open an account. You must:

  • Be an individual at least 18 years of age
  • Have a U.S. address
  • Have a U.S. Social Security Number or Personal Tax ID number

You need to meet all three criteria, no exceptions. For a joint account, both applicants need to meet these requirements and fill out separate applications.

While a child under age 18 cannot hold an account, you are welcome to open an account in your name and add your child as the beneficiary. Once the account is set up, send us a BankMail with your child's name. You can open as many accounts as you like, but each account can list only one beneficiary.

How do I make my initial deposit to a deposit account opened online?

You can send an electronic bank-to-bank transfer from a non-HSBC account, or mail us a check or money order. For security reasons, it takes about 3 business days to process an initial electronic deposit before it is credited to your account. However, checks are processed on the same business day they are received.

The minimum deposit is $1.00 for checking and savings. To send your initial deposit by mail, make the check payable to HSBC Bank USA, National Association.

Send the check to:

HSBC Bank USA, N.A.
P.O. Box 4045
Buffalo, NY 14240-4045

Do not forget to include a completed HSBC deposit slip.

How long do I have to complete my HSBC deposit application online?

You have 30 calendar days to complete your application. After this period you must start a new application.

Trial deposits

What are trial deposits? How do I verify them?

Trial deposits are simply test deposits we make into the account you are using to fund your new HSBC account. It is a secure way for us to verify that you are the account owner. We start by making two small deposits into that account for less than $1.00 each. A withdrawal for the total of the two deposits is also made from the same account at the same time. To verify your trial deposits:

  • Look for an email from HSBC within 2 business days of submitting your application, notifying you that we have made the trial deposits and withdrawal.
  • Check your account statement online or inquire directly with your account provider to identify the two deposit amounts. Deposit amounts should appear as TRIALCREDT. You will also see one withdrawal from your account identified as TRIALDEBIT, you will not need the TRIALDEBIT amount for the verification process.
  • Confirm your deposits at us.hsbc.com. Choose "Resume Application," then "Verify my trial deposits." Follow the instructions to confirm your deposits
  • Enter the amounts carefully. You will have 3 chances to do so correctly. After that, you will need to fund your account by mailing a check.
  • If you get an error message stating "You cannot use this account," you will need to use a different account to fund your initial deposit.
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General application questions FAQs

Opening accounts and applying for loans

How do I apply for a credit card?
How do I apply for overdraft protection?
How do I apply for a loan?
How do I apply for a mortgage?
How do I open an investment or insurance account?
How do I sign up to receive special HSBC offers through email?

How do I apply for a credit card?

In order to apply for a credit card, you have several options. If you are an existing HSBC customer, click here to apply online. You can also contact us via telephone at the Customer Relationship Center or visit one of our branches.

How do I apply for overdraft protection?

You can receive overdraft protection on your HSBC deposit account by applying for a line of credit that is linked to your checking account. To apply for overdraft protection you can contact us via telephone at the Customer Relationship Center or visit one of branches.

How do I apply for a loan?

HSBC offers a variety of both secured and unsecured loans that can be used to finance the purchase of a vehicle or cover other expenses. To apply for a loan you can contact us via telephone at the Customer Relationship Center or visit one of our branches.

How do I apply for a mortgage?

HSBC has a variety of mortgages to meet your needs. To apply over the phone, contact our Mortgage Telesales Team. To make an appointment with a Mortgage Loan Officer, contact your nearest local Mortgage Office Location.

How do I open an investment or insurance account?

HSBC's network of Financial Advisors can assist you with all your wealth management needs. To get started, contact your local Financial Advisor.

How do I sign up to receive special HSBC offers through email?

To be able to receive offers via email, make sure that you have opted in to marketing communications via email. To verify that, log onto Personal Internet Banking, click "Edit Profile" among the links just below the top navigation bar, and then click "Edit Email Address" from the left navigation. Please ensure that the box below the email address pertaining to marketing offers is not checked.

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Switching to HSBC

What checking account features are important?
Is there a fee for using the Switch Kit?
What should I do to have my paycheck directly deposited into my new HSBC account?
Where is my routing number?
How can I have automatic payments that are deducted from my old bank account transferred to my new HSBC account?
How do I close my old account?
How do I know that all of my checks have cleared and my automatic payments have been made?
What's the difference between an automatic payment and a payment made using Bill Pay?
How do I cancel my online payments with my old bank?
Can I transfer my online payment information (payees) from my previous bank to HSBC?
How do I transfer the direct deposit of my Social Security payment to my new HSBC account?
What number should I call if I have additional questions?

What checking account features are important?

Compare our checking account options online, visit an HSBC Branch , or call 800.975.4722 to learn more.

Is there a fee for using the Switch Kit?

No, the Switch Kit is free.

What should I do to have my paycheck directly deposited into my new HSBC account?

Fill out the Direct Deposit Transfer Letter form and give it to your employer with a voided HSBC check. Your company may require you to fill out additional forms.

Where is my routing number?

The routing number is the nine-digit number that often comes before your account number at the bottom of your checks. If you cannot find your routing number, call your current bank.

How can I have automatic payments that are deducted from my old bank account transferred to my new HSBC account?

You will find our Automatic Payment Transfer Letter in the Switch Kit. Use copies of this form to notify companies making automatic payments that you want to change your payment instructions. Some companies may ask for a voided check before initializing an automatic payment.

You can also set up new automatic payments with HSBC, or start paying bills with Personal Internet Banking with complimentary Bill Pay Service, giving you more control over your money.

How do I close my old account?

The Account Closure Request Letter is part of the Switch Kit. Fill out and sign this form, then present it to your former bank. You can request to have the remaining balance wired to your new HSBC account, or ask to be sent a check (Funds transfer fees may apply). Some financial institutions may require you to fill out additional paperwork.

How do I know that all of my checks have cleared and my automatic payments have been made?

Look for outstanding checks and automatic payments on your last statement. If your old bank offers online account access, you can also look online to see if your checks have cleared or automatic payments have been posted to your account.

What's the difference between an automatic payment and a payment made using Bill Pay?

An automatic payment means that you have authorized a third party to initiate a payment transaction from your account.

With complimentary Bill Pay Service from HSBC, you decide when payments are deducted from your account.

How do I cancel my online payments with my old bank?

You will need to contact your old bank. And, do not forget to cancel any future payments that you may have already established.

Can I transfer my online payment information (payees) from my previous bank to HSBC?

Unfortunately, that information cannot be transferred. With HSBC's complimentary Bill Pay , setting up your payees is a simple process. Personal Internet Banking will store your new payee information so you'll only have to enter it once.

How do I transfer the direct deposit of my Social Security payment to my new HSBC account?

Call the Social Security Administration at 800.772.1213 or go to www.ssa.gov/deposit/howtosign.htm.

What number should I call if I have additional questions?

800.975.4722 or TTY/TTD 800.898.5999

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MasterCard®, SecureCodeTMTM and the MasterCard SecureCodeTM brand mark are registered trademarks of MasterCard International Incorporated.

HSBC Debit MasterCard® cards are issued by HSBC Bank USA, N.A.

Have a question?

Call our Customer Relationship Center
800.975.4722

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:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE
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