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HSBC Fusion

The combined service that supports your business and personal banking needs.

Important Service Announcement

Effective May 26, 2021

Last year, we at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs globally and from a wealth management perspective. You may have seen a recent announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be transitioned to another financial institution in the coming months. 

What this means for you

If you are:

  • An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been notified that you’re being transitioned; or
  • A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier checking, savings or credit card account; or
  • A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

    * Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.
  • If you are interested in insurance or investments, please contact an HSBC Securities (USA) Financial Consultant. 


More details and FAQs can be found at

HSBC Fusion supports small business banking

We understand that as a small business owner, your business and personal lives blend together. HSBC Fusion, our business banking service, gives you control with competitive, easy to understand solutions. We provide all customers with access to a dedicated Relationship Manager that will get to know you and help you achieve your goals.

Find out more

Call us at 833.722.4722 or book an appointment and we'll call you back at a time that's convenient for you.

Fusion products and services


We offer a range of business banking checking accounts, whether you're just starting out, growing your business or an established company.


With unlimited rewards worth 2% Cash Back when redeemed into your Fusion checking or savings account, the BusinessCard is the perfect working capital tool for small businesses.


Maximize working capital or fuel your business' growth ambitions with our various financing products.


Access solutions to streamline your cash flow.

Why choose Fusion?

Banking on the go

Easily view and manage your small business and personal accounts 24/7 on the go with the HSBCnet2 app.

One point of contact

Call just one number for dedicated support with all your business and personal banking needs.

Total balance recognition3

We'll recognize your combined personal and business balances to help waive unwanted fees and give you better rates on loans and services.

Many extra services

Access services to help with cash flow like loans and insurance, get support with Merchant Services and Payroll4, access to real-time FX rates via HSBCnet2 and more.

Things you should know

Who is Fusion for?

You can become an HSBC Fusion customer if you're a U.S. based business, with annual sales up to $5,000,000, including start-ups.


Are there fees for HSBC Fusion checking accounts?

We have a variety of Fusion checking products to fit your needs. All Fusion checking accounts come with free online and mobile banking, and monthly maintenance fees can be waived by meeting minimum deposit amounts5


Already an HSBC customer?

Fusion is a free service available to both existing and new customers. If you already bank with us, contact a Fusion representative for eligibility. 

Ready to get started?

Simply book an appointment and we'll call you back at a time that's convenient for you.

Call us at 833.722.4722 or find a branch near you to speak with us in person.

Lines are open Monday-Friday, 8am-8pm EST


* If your business is not U.S. based or if you have annual sales above USD $5 million, click here to learn more about how HSBC can support your needs.

1 Subject to credit approval. For business purposes only.

2 You earn points when you use your card to make new purchases (minus returns, credits and adjustments). Each eligible Account Holder enrolled in the BusinessCard Program will earn 1.5 Points for each U.S. Dollar in new, net purchases. Certain restrictions, limits and exclusions apply.

3 HSBCnet services provided in the United States by HSBC Bank USA, N.A. HSBCnet features and functionality may vary by country. Subject to U.S. sanction regulations. HSBCnet Mobile services are not available in connection with HSBCnet profiles in all countries and are subject to phone provider capabilities.

4 Total balance recognition is available for business banking customers with a Fusion Smart or Fusion Professional checking account.

5 HSBC Merchant Services and Payroll is provided by Heartland Payment Systems, LLC.

6 Refer to your HSBC business checking account Terms and Charges disclosure for fees associated with your account.  

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

Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI and HSBC Insurance Agency (USA) Inc. (HIA) offer Insurance products. In California, HSBC does business as HSBC Securities Insurance Services, License # OE67746. HIA California License #: OD36843. Investment and Insurance Products: Not FDIC Insured | Not Insured by the Federal Government or any Federal Government Agency | Not a Deposit or other obligation of, or guaranteed by, The Bank or any Affiliate of the Bank | Subject to Investment Risk, including loss of Principal Invested. 

HSBC and its affiliates do not provide tax or legal advice. All decisions regarding tax implications of your Investments should be made in consultation with your independent tax advisor. 

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