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If you have not yet opened an account with HSBC, you may request a card on your HSBC account application. If you are requesting a debit card for an existing checking account, you may start your debit card application here. You can also request a debit or ATM card by sending us a BankMail or by contacting the Customer Relationship Center. If approved, we will send your card by mail 7-10 days from either the account opening date or the date the request is received.
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.
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.
HSBC will rebate qualifying ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month when initiated from HSBC Premier checking, HSBC Premier Asset Management and HSBC Premier Investor money market accounts. Available only on U.S. non-HSBC ATM transactions (except in New York State).
For HSBC Advance checking, Online Payment Account and Online Savings Account customers, HSBC will rebate up to three qualifying ATM third-party surcharge fees incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month. Available only on U.S. non-HSBC ATM transactions (except in New York State).
Please note there may be HSBC fees for using non-HSBC ATMs that are disclosed on your EFT Facility Charges Disclosure.
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 handy.
To change your PIN, fax or mail a request to:
You must include: A copy of your state-issued ID; your new pin number; your ATM card number; your signature.
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: 716.841.2280You must include: A copy of your state-issued ID; your new pin number; your ATM card number; your signature.
If you've lost your credit, debit, or ATM card, please contact us immediately via telephone at 800.975.4722. You can also report your card lost or stolen by sending a BankMail in Personal Internet Banking. You can visit one of our branches where a representative will help you contact the Customer Relationship Center. Remember you have the security of MasterCard®'s Zero Liability Protection1
The means of disputing a transaction varies depending on the transaction type. Please contact us so we can help you through the process.
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, or telephone access code) to someone else in error please contact us immediately via telephone at the Customer Relationship Center (link to contact us page). You can also report the possible breach by composing a BankMail in Personal Internet Banking or by visiting one of our branches.
MasterCard® SecureCode is a service that allows you to protect your MasterCard® purchases over the Internet by using a personal SecureCode.
Once you've registered a card for the service you'll be asked for your MasterCard® SecureCode at participating online retailers. This prevents unauthorized usage of your card at participating online retailers and aims to increase confidence when shopping online.
The service is free of charge.
The zero liability guarantee still applies to clients who have signed up for MasterCard® SecureCode. However, MasterCard® SecureCode is there to help stop the fraud before it happens, by protecting your card with a SecureCode. If someone else is in possession of your card details and attempts to use them at participating online retailers, they won't be able to do so, as they don't know your MasterCard® SecureCode.
You can use your card at participating online retailers in the same way as you do now, but if the card you're using is registered for the service you'll be asked for your SecureCode before you complete your purchase.
Primary cardholders of the following MasterCard®'s can register for this service:
Registration is required for all HSBC Debit MasterCard® cards. You can register your eligible HSBC MasterCard® card in one of two ways:
Your SecureCode can be 6 to 10 characters, and can be letters, numbers or any combination. It cannot include any other characters or spaces.
Yes but remember that only your HSBC Debit MasterCard® card or HSBC MasterCard® card are eligible.
You can use the service immediately.
Participating online retailers will normally display the MasterCard® SecureCode logo. For a list of participating merchants, please check the MasterCard® SecureCode website at http://www.mastercard.com/securecode.
Once you have reached the online checkout and input your card details you'll be presented with a separate window in which you'll see the HSBC and MasterCard® SecureCode logos, details of the transaction, your Personal Greeting and a SecureCode request box. If you want to proceed with the transaction simply input your SecureCode and click 'Submit'.
No, only those online retailers who are participating in the service will ask you for your SecureCode.
If your card has been reported Lost or Stolen, or if the card number changes, you'll need to re-register your new card. Once you have received your replacement card visit http://www.securecode.com/hsbc-us 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 SecureCode before you check out. Simply follow the instructions to re-authenticate your identity and you can create a new SecureCode and complete your purchase.
No. If your card is replaced because it expired, or your original card was damaged, you don't need to re-register your details on the MasterCard® SecureCode service.
Yes, simply log-on to http://www.securecode.com/hsbc-us and click onto 'Account Management'.
You can re-register and create a new SecureCode by logging onto http://www.securecode.com/hsbc-us. If you forget your SecureCode when making an online purchase, you can quickly reset your SecureCode by clicking on the "Forgot Your SecureCode?" 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 SecureCode and complete your purchase.
Yes, simply log onto http://www.securecode.com/hsbc-us and click onto 'Account Management'.
You may call 800.462.1874.
Log on to http://www.securecode.com/hsbc-us and reset your SecureCode or call 800.462.1874
1 Covers U.S.–issued cards only. MasterCard®'s Zero Liability Policy does not apply to commercial credit card or ATM transactions, or to PIN-based or other transactions not processed by MasterCard®, or if you are grossly negligent or fraudulent in handling your card or card number. Your card account must be in good standing, and you must report all unauthorized transactions as soon as possible. You may not be covered if you have reported two or more unauthorized transactions within the last 12 months. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit.
Deposit products offered in United States by HSBC Bank USA, N.A. Member FDIC.
MasterCard® card, SecureCodeTM and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
Equal Housing Lender.| †† 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 |
