Leave the branch behind – bank online

Get higher rates, lower fees, and the convenience of banking on your own time. HSBC Direct online-only accounts are FDIC insured and backed by the security and peace of mind of our worldwide network.

$0 Monthly Maintenance Fee

An online-only, interest bearing checking account with no monthly maintenance fees, no U.S. HSBC ATM fees3, and 24/7 account access with Live Chat assistance.

2.30% APY1

An online-only, high-yield savings account that outperforms the average interest rate on conventional savings accounts.

Why choose us?

As one of the world’s largest banking and financial services organizations, HSBC Group5 has been connecting Americans to global opportunities since 1865.

Our worldwide network covers

66 countries and territories

We serve more than

39 million customers worldwide

We work with you from cities including

New York, Los Angeles, Chicago, Atlanta, Houston, Seattle, Miami, San Francisco, and Washington D.C.

What's in it for you

  • 24/7 online account access including Live Chat assistance 
  • Deposit checks with your mobile device using the HSBC Mobile Banking App6
  • Move money quickly between your eligible HSBC accounts and access your funds using online transfers7
  • FDIC insured

Tools to help you budget and save

Use Our Money Management Tools8 to organize your finances, set up savings goals, and stick to your budget.

  • Compare your average monthly income and average monthly spending to identify your progress towards achieving financial goals
  • Set email alerts to stay on top of your bills, avoid low balances and late fees, and get notified about potential suspicious activity in your accounts
  • Create custom goals to save for specific objectives
  • View a summary of your progress on each individual goal you've set for yourself

 

View Set up your savings goals video transcript 

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1 The Annual Percentage Yields (APYs) and balances for an HSBC Direct Savings account which are accurate as of {{currentDate}} are: 2.30% APY on balances of less than $15,000, 2.30% APY $15,000 or more but less than $50,000, 2.30% APY $50,000 or more but less than $100,000 and 2.30% APY $100,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

2 HSBC Direct Checking is an “online only” product, which requires use of automated telephone banking, e-statements, and Personal Internet Banking. This is an HSBC consumer account and is not available as an HSBC business account. See the HSBC Direct Checking Terms & Charges Disclosure for more information. HSBC Direct Checking can only be opened online.

3 You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.

4 HSBC Direct Savings is an “online only” product, which requires use of automated telephone banking, e-statements, and Personal Internet Banking. This is an HSBC consumer account and is not available as an HSBC business account. See the HSBC Direct Savings Terms & Charges Disclosure for more information. HSBC Direct Savings can only be opened online. ATM/Debit card is not available for this product.

5 The HSBC Group operates through a network of affiliates and subsidiaries around the world.

6 Data rate charges from your service provider may apply.  HSBC Bank USA, N.A. is not responsible for these charges.  Camera-in device required to be able to utilize HSBC Mobile Check Deposit. Deposit amount limits: $3,000 daily and $5,000 monthly.  HSBC Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM.

7 Federal Reserve Regulation D Transaction Limitations apply to HSBC Direct Savings.

8 This tool is a personal financial management service that allows customers to consolidate and manage their financial information by consolidating it in one place on Personal Internet Banking.

iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

Android and Google Play are trademarks of Google Inc.

App Store is a service mark of Apple Inc.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information. 

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