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Keeping your Account safe with Fraud Alerts

We've got you covered with Fraud Alerts

As an HSBC customer, you're automatically enrolled in our Fraud Alert program. If we have your mobile number or email on file, you'll automatically be notified of suspicious transaction activity on your HSBC Debit or Credit Card Account. 

With Fraud Alerts, we’ll notify you by free text message1,4 or email if we spot suspicious activity on your HSBC Debit or Credit Card. You can then confirm the purchase by responding to our text or email, or report it as fraud. If fraud is suspected, we may need to speak with you.

HSBC helps keep your card safe with all these protection benefits:

  • Account Monitoring 24 hours a day, 7 days a week
  • Fraud Alerts
  • EMV Chip technology
  • Zero Liability2 for unauthorized transactions

Frequently Asked Questions

1 Mobile service with Verizon, AT&T, Sprint, or T-Mobile is required in order to receive free fraud text messages. Customers on other mobile service carriers and international phone numbers are not eligible. HSBC Bank USA, N.A. is not responsible for any charges that may apply outside of the United States.

2 As an HSBC Bank USA, N.A. Debit or Credit cardholder, Zero Liability applies to your purchases made with your Debit or Credit card. As a cardholder, you will not be held responsible for unauthorized transactions if: 1. You have used reasonable care in protecting your card from loss or theft; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that your HSBC Debit or Credit card was lost or stolen. Certain terms, conditions and exclusions may apply. To learn more about Zero Liability, visit

3 Must have a valid email address on file.

4 Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

HSBC Debit and Credit Cards are issued by HSBC Bank USA, N.A.

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

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