Debit card help and support

You can ask for a debit card when opening your HSBC checking account. If you've already opened an account, chat with us now to order your card, or give us a call at 888.662.4722. If you’re outside the U.S. or Canada, please call 1.716.841.6866. Representatives are available 24/7.

To activate your card, log on to online banking or the HSBC U.S. Mobile Banking app. Once you're logged on, select your account, and then select 'Debit cards'. On the 'View cards' screen, select the debit card you want to activate followed by 'Manage card'. You can also activate your card by calling 866.389.6638 (for Premier), 800.811.0020 (for Advance or Personal Banking).

Once you've activated your debit card, you'll be able to set your PIN in the HBSC U.S. Mobile banking app or online banking. After logging on, select your account and select 'Debit cards'. On the 'View cards' screen, select the card you want to set/change the PIN for, followed by ‘Manage card’. You can also call us at 888.619.9667, or 1.716.841.6866 if you're outside the U.S. or Canada.

We no longer send PINs through the mail. After you've activated your debit card, you'll be able to set your PIN in online banking or the HSBC U.S. Mobile Banking app.

To set your PIN, log on and select your account, followed by 'Debit cards', and the debit card you want to set the PIN for. You can also call us at 888.619.9667, or 1.716.841.6866 if you're outside the U.S. or Canada.

If your debit card is damaged or not working, but not lost or stolen, you can order a replacement card on the HSBC U.S. Mobile Banking app or online banking. If you prefer, you can chat with us online or give us a call at 888.662.4722. There's no fee to replace your debit card.

If your debit card has been lost or stolen, please chat with us immediately to close your card and order a replacement. You can also call us at 800.462.1874, or 1.716.841.6866 if you're outside the U.S. or Canada. Representatives are available 24/7.

An example of a fraudulent transaction is a purchase, payment or withdrawal you didn't make. Please chat with us or call the phone number on the back of your card to report any potentially fraudulent transactions.

If you think your card has been lost or stolen, it’s important to contact us right away. You can chat with us now or if you prefer, give us a call at 800.462.1874.

There is no fee to replace your debit card.

HSBC Bank USA, N.A. will not charge you any fees for using an ATM. You may be charged by the ATM operator or network, including another HSBC entity operating ATMs outside the U.S.

Foreign currency conversion rates may still apply. We will rebate up to 5 qualifying ATM third-party surcharge fees per month on U.S. non-HSBC ATM transactions from HSBC Premier checking, HSBC Premier Savings and HSBC Premier Relationship Savings accounts. A credit to your checking or savings account will be processed within two statement cycles.

HSBC does not charge any transaction fees to make domestic purchases, but some merchants may impose a fee or surcharge. Please refer to the Electronic Banking Services Information Statement for complete details.

If you select debit, you will use your PIN and enter it in on the merchant keypad. If you select credit, you may be required to sign a receipt to authorize your purchase.

If a merchant offers cash back services, you can select debit and insert your PIN to receive cash back. You cannot get cash back if you select credit.

A digital wallet (sometimes called an e-wallet or mobile wallet) is a wallet on your mobile phone or wearable device. You can store payment cards and other items like tickets or gift cards in it.

Adding your debit card to a digital wallet means you can tap your mobile or wearable to pay, without needing your physical card on you.

Debit cards allow you to spend money by drawing on funds you have in your account. Credit cards allow you to borrow money from the card issuer up to a certain limit in order to purchase items or withdraw cash.

A chip card is a standard debit card which contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at stores, terminals or ATMs.