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Basic Banking

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HSBC Basic Banking

When a basic checking account is all you want.

  • HSBC Debit Mastercard® card
    The convenience of HSBC Debit Mastercard® card with no transaction fees on purchases and no monthly or annual service fees.
  • Online banking
    With free Personal Internet Banking, online Bill Pay and eStatements, banking is easier and greener, too.
  • No Minimum Balance
    Regardless of your balance, your monthly maintenance fee is only $31.
  • Optional overdraft protection

   Enjoy peace of mind with Select Credit2  – a personal line of credit that can be used as overdraft protection for your checking account.

How to apply

New to HSBC

Apply for a HSBC Basic Banking account

Existing HSBC customer

Log on to Personal Internet Banking to apply for HSBC Basic Banking account

See Terms & Charges Disclosures for more information.

1 There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.

2 Select Credit Accounts are issued by HSBC Bank USA, N.A., subject to credit approval, and require a qualifying deposit relationship with HSBC Bank USA, N.A.

Deposit products offered in U.S. by HSBC Bank USA, N.A. Member FDIC.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Next Steps

Once you have submitted your online application, we will notify you if it can be approved online or if other information is needed to complete the application. All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded. See Terms & Charges Disclosures for more information.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

You must be 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 to apply for a deposit account online.

Privacy and Security

HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience.


If you need assistance or have questions about the application, please contact us or call 888.404.4050.