Online Payment Account: What is it?

Move the money you keep on hand for everyday expenses to the Online Payment Account and:

Take care of bills and other payments.

• Send one-time payments or schedule recurring payments.
  You control who you pay and when. Add as many companies or people as you like.
• Pay electronically. It’s paperless, fast and efficient.
• Make purchases or get cash at more than 395,000 ATMs nationwide with a debit card.
  If you use a non-HSBC ATM in the U.S., we’ll reimburse the first 3 ATM surcharge/convenience fees each month.¥

Earn interest where you may not have before.

• Get 0.85% APY** on your Online Payment Account balance.
• Reach your savings goals even faster.
  Even your spending money will be helping you save.

Link to your HSBC Direct Online Savings.

• With both accounts, you can earn interest in two places.
  You'll be making more of all your money, not just your savings.
• Transfer money to your Online Savings account to earn more, instantly.
  Transfers take seconds instead of days, so there's no time or earnings wasted.
• Both accounts in one place means more control over your money.
  It'll be easy to manage your expenses as closely as you do your savings.

And, know you're putting your money in a good place.

• Your money's FDIC-insured to the maximum permitted by law.
  You should never open an online deposit account if the institution isn't insured to protect your funds. For more information about FDIC insurance, visit www.fdic.gov.
• You'll be banking in a secure online environment.
  Your information is password protected and encrypted with the latest security technology.
• Money Magazine named HSBC Direct “Best of Breed” in 2007.