HSBC Basic Checking
in Checking Accounts from HSBC Bank USA · Member FDIC
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| Monthly Fee | $1 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0% |
HSBC Basic Checking Review
HSBC Basic Checking is offered by HSBC Bank USA, a bank founded in 1865 and based in New York, NY. HSBC Basic Checking is available in 50 states (and Washington, DC).
Key Takeaways
- 0% APY. As with most checking accounts, HSBC Basic Checking does not pay interest.
- Charges a monthly fee. This account charges a monthly service fee of $1, but there are ways to waive the fee.
- No minimum initial deposit. There is no minimum balance required to open an account.
- Bill pay. Pay your bills to practically anyone in the United States through HSBC Bank USA.
HSBC checking account Pros & Cons
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HSBC checking account FAQ
Are checking accounts from HSBC Bank USA federally insured?
Yes, your HSBC Bank USA checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57890). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does HSBC checking account offer?
HSBC checking account is not an interest-bearing account.
What are the account minimums for HSBC checking account?
HSBC checking account does not require a minimum initial deposit.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $0 |
What fees does HSBC checking account charge?
This account charges a monthly service fee of $1.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Check Cashing Fee | $5 |
| Check Copy | $5 |
| Check Image Service | $3 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $1 |
| NSF Fee | $35 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $10 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $12 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $35 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $35 |
| ATM Fee: Out-of-Network | $2.50 |
Does HSBC checking account charge overdraft fees?
Yes, HSBC checking account charges a $35 fee for every overdraft.HSBC checking account offers overdraft protection at a cost of $10 per transaction.
What features and perks does HSBC checking account offer?
This account includes the following features:
- Fraud monitoring - HSBC checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - HSBC checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for HSBC checking account?
The customer support email for HSBC checking account is hsbcusahelp@us.hsbc.com.
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Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 - (800) 975-4722
- Visit Site
- Email Support
Other Services by HSBC Bank USA
View all checking accounts offered by HSBC Bank USA
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Online Bill Pay Fee | $0 |
| Check Cashing Fee | $5 |
| Check Copy | $5 |
| Check Image Service | $3 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $1 |
| NSF Fee | $35 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $10 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $12 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $35 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $35 |
| ATM Fee: Out-of-Network | $2.50 |
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