The deposit and credit card application requires the following personal information:
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.
Yes, you can apply for an account online as long as you are at least 18 years of age, have a Social Security Number, currently have a U.S. residential address, and have had U.S. residency for the past three years. In addition to the required standard documentation you must meet the requirements to complete an IRS Form W-9 Tax (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 visit your local HSBC branch.
If you have information on hand, the application should take approximately 15-20 minutes to complete. A joint application will take additional time. If you’re an existing Personal Internet Banking customer, you can take advantage of our shortened application for existing customers.
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 HSBC's Security & Fraud Center for additional information.
After you’ve completed the application you will receive an ‘Application Status’ notice by email, which will give you directions on how to proceed. To make sure you get this email, check your spam filters and that emails from us.hsbc.com aren’t blocked.
You may need to send:
Once we receive all necessary documents and are able to verify your information, we’ll contact you by email to let you know your account has been opened.
Existing HSBC customers can log on and view your new HSBC accounts online. If you’re new to HSBC, and requested Personal Internet Banking access within the application, your Welcome email will provide directions on how to complete registration. If you didn’t select Personal Internet Banking within the application, you can register now.
Yes, you can apply for a joint checking, savings and certificate of deposit account online. Just select the product you’re interested in from the ‘Banking’ tab at the top of your screen. When you’re ready to apply, click the ‘Apply now’ button. Once you’re in the application, click the ‘Joint’ option located on the first page.
Once your account is open, you can add a joint account holder to a checking or savings account by calling 800.975.4722 between 8:30am-5pm ET Monday through Friday. The following requirements must be met:
If the joint applicant doesn’t meet the above requirements, both of you can visit a local branch to complete the application.
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, please visit your local HSBC branch.
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.
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.
Depending on the options available for your account, you can send your initial deposit electronically while completing the application, or you can send your initial deposit once the account is opened.
You can complete your initial deposit, during your application by using either Trial Deposit verification or providing your logon credentials for your non-HSBC bank account, and we’ll verify you in real time.
If we're unable to verify your account through either of these methods, you can send us a check.
You can use a personal or bank check. We can't accept cash, money orders or third party checks as an opening deposit. Third party checks include business checks, payroll checks, and checks written by any other party than the applicant.
Please make sure the check is made payable to yourself, signed, and dated. Also include your application ID is included in the memo field. Don’t forget to include a completed HSBC deposit slip.
Send the check to:
HSBC Bank USA, N.A.
P.O. Box 4045
Buffalo, NY 14240-4045
It takes about three business days for an electronic opening deposit to be credited to your account. Checks are processed on the same business day they’re received.
If you choose to send your initial deposit after the account is open, you have several options available.
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.