Security Statement | Money Management Tools | HSBC


HSBC Money Management Tools Security Statement

HSBC Bank USA, N.A.'s role in security

It's important to you, and to us
We maintain strict security standards and procedures to prevent unauthorized access to information about you. We use leading technologies such as data encryption, firewalls, server authentication, and digital certificates to protect the security of your data. We also require the use of 128–bit encryption browsers or a browser that supports Server Gated Cryptography (SGC). SGC allows a browser using 40–bit encryption to function as if it has 128–bit encryption for the duration of the session.

Browser requirement
Browsers (such as Netscape or Internet Explorer) using 128–bit encryption (or supporting Server Gated Cryptography) provide the highest level of commercially available security for your financial transactions. Encryption transforms the banking transactions you send over the Internet into code that can then be translated by us.

Digital Certificate
A Digital Certificate is a randomly generated set of characters that our computer sends to your browser. The browser on your computer stores this information and uses it to verify that the Internet address is actually HSBC Bank USA, N.A. and not someone masquerading as the Bank. It can be used in the same way a passport or driver's license is used as a means to establish identity.

Your role in security

You have a significant role to play in security.
There are two pieces of important information that you must keep confidential – your Personal Internet Banking Username and Password. These are the keys to your access into the Service.

General online security tips

  • Install and regularly update virus detection software.
  • Do not allow unauthorized access to your PC.
  • Do not install pirated software or software from an unknown source.
  • Do not open email attachments from unknown sources.
  • Conduct financial transactions first in any online session. After completing financial transactions online, including credit card purchases, logoff before continuing other online activity. This may help protect your confidential data (account numbers, passwords, etc.)
  • Notify your financial institution immediately of any erroneous changes in your account information.

Internet Security Tips, Guidelines for Strong Passwords

  1. Don't share your Password with anyone.
  2. Memorize your Password. Don't write it down or store it on your computer.
  3. Use upper and lower case letters, numbers and symbols.
  4. Avoid common words or obvious names. Think of a phrase that's memorable to you but not to others. (For example, "My left-handed brother has two green eyes" becomes "Ml_bh2Ge".)
  5. Use Passwords that are at least eight characters long.
  6. Change Passwords regularly (at least every 90 days).

For additional information please refer to HSBC Personal Internet Banking Terms and Conditions, Log on Credentials section and HSBC's Security & Fraud Center.

For your added security, HSBC has updated a session time–out feature. If your Personal Internet Banking session is idle for 9 minutes, a warning notice will appear giving you the opportunity to either continue or to logoff the session. The system allows you 1 minute to respond before your session is automatically ended. This is done to protect your accounts from unauthorized access if your PC is left unattended and you are unable to exit normally. You will then need to log back on to Personal Internet Banking in order to access your Money Management tools.

Potential risks
You are responsible for maintaining the confidentiality of your Personal Internet Banking Username and Password. Aggregating outside accounts to the Money Management tools will require that you also provide authentication for your other online accounts that you wish to add to Money Management tools. For your convenience, an auto–login feature is available that allows "click through" access directly to your online services. You can disable the auto–login feature, by account, at any time. However, the importance of protecting your Personal Internet Banking log on information is increased significantly when using the auto–login feature, as direct access to your online services is enabled.

Although every precaution has been taken to offer the service using state–of–the–art security measures, there is a risk of unauthorized access to your personal information if you fail to exercise adequate controls over your login information. Your use of Money Management tools acknowledges that this risk exists and that neither HSBC nor any service provider therein is liable to you for any harm or damage that may occur.

Lastly, always remember to exit and close the browser window when you have completed your banking. If you suspect any unusual account activity, email or contact us at 800.975.4722.

Related links:

Online Privacy

Sign up for Personal Internet Banking now

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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!

We're happy you have come back to complete your Online HSBC account application.

If you've started to fill out an online application for a deposit account and saved it, simply click the Retrieve an existing application link and be prepared to provide the following information:

First Name and Last Name
Social Security Number
Date of Birth

Your application will be made available for completion.


If you did not save your online application, you'll need to reapply for the product you are interested in. Simply return to the product page on the Public website that you were interested in and click the apply now button.

Thank you for your interest in HSBC. We look forward to helping you reach your financial goals.

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