HSBC USA Customer Service
This article explains the HSBC USA Customer Service.
HSBC USA Customer Service Pros
Online customers can start a checking or savings account with a $1 deposit. The initial deposit is waived if you open the account with a bank representative in person.
* No monthly checking account cost: HSBC charges a $15 monthly fee for its ordinary non-interest-bearing Choice Checking account. This fee is waived if you keep a $1,500 minimum balance or have a monthly direct deposit.
* HSBC Everyday Savings Account, HSBC Direct Savings, HSBC Premier Savings, and HSBC Advance Savings all receive interest with a balance of $0. The other two HSBC interest-bearing checking accounts require only a $5 balance to receive interest.
* Everyday Savings Accounts have no monthly fees and no minimum balance requirements.
* A limited-time welcome prize of up to $475 is offered for new customers who create an interest-bearing checking account, and a referral bonus of up to $2,000 is available for successful referrals.
* HSBC has branches and ATMs in over 64 countries. Customers from the United States can use any HSBC ATM worldwide, and can get service and support at any HSBC branch.
HSBC USA Customer Service Cons
* Only 10 states and DC: HSBC is a worldwide bank with a limited presence in the US. Only eight states have physical branches: CA, FL, MD, NJ, NY, PA, VA, WA, and DC. And there are only about 150 branches there.
* Checking accounts with low APYs: While no one can expect large annual percentage yields (APYs) right now, HSBC’s beginning rate of 0.01 percent APY on both Premier and Advanced checking accounts is nevertheless low.
* HSBC offers “Select Credit,” a personal line of credit, as overdraft protection. With this overdraft protection, you will pay up to 17.99% APR on overdrafts, plus a transaction fee equal to the overdraft amount, up to a maximum of $10 per day. Compared to a $35 insufficient money fine. It’s true that utilizing Select Credit as overdraft protection is cheaper for clients who can pay it back fast, but it’s also true that it’s pricey protection.
* Despite being owned by the same international bank, the HSBC US website is independent from the HSBC Direct website, with no apparent navigation between the two. Customers must be aware of both sites to find things from both.
* ATMs not listed on the website: The HSBC website allows you to search for an ATM near you, although it does not include all of the ATMs in the US. There is a $2.50 out-of-network ATM fee, and the number of in-network ATMs is unknown, thus new consumers may not be able to assess the convenience of an HSBC account.
For Whom Is HSBC Bank?
Customers with large savings accounts and/or foreign banking needs may consider HSBC Bank. Want a savings account with no minimum balance or monthly maintenance fee? Can receive regular direct deposits? Want a generous welcome bonus and the means to qualify?
HSBC USA Customer Service
HSBC Bank USA, N.A. P.O. Box 2013, Buffalo, NY 14240
HSBC premier USA Phone Numbers: 800.975.4722.
888.662.4722.
877.472.2249.
866.435.7085
Premier Mortgage: 866.435.7089
Personal Loans: 800.975.4722.
HSBC: 800.343.7097.
If you are having trouble accessing the online mortgage application, please call HSBC Bank USA, N.A. at 800.975.4722.
9:00-17:00
9:00-17:00
Wed 9-17
Thu: 9-17:00
9:00-17:00
HSBC Contact
You can reach customer assistance at 1-800-975-4722 from 7am-12am EST, seven days a week. You can also use live chat 24/7. From 6 a.m. to 9 p.m. EST Monday through Friday and 8 a.m. to 7:30 p.m. EST on Saturday, customers can tweet questions or concerns to the customer care Twitter account.
The HSBC app, rated 4.5 stars on Google Play and 4.6 stars on iTunes, has innovative security features including fingerprint ID on Android and facial recognition on iOS.
12 Given the limited number of HSBC branches in America, a mobile app is critical.
What Can HSBC Do?
* Savings accounts
* Checking accounts
* Certificates of Deposit (CDs)
* Credit cards
* Banking experience
* Customer service
HSBC Banking
Even if you don’t live in one of the eight states with less than 150 HSBC locations, you can open an account online. The online banking platform and mobile app make it simple to conduct transactions even if you can’t visit a branch. If you don’t reside near an HSBC bank, you may need to do some research to find a fee-free ATM.
HSBC USA Customer Service: Conclusion
As a global bank, HSBC has a lot to offer the appropriate customer. HSBC’s services are particularly suited to international travelers, high-net-worth individuals, and those seeking a bank that can handle both their mortgage and regular banking needs. There is something for practically everyone, but most of its offerings are clearly oriented toward richer clients. This bank’s focus on high-net-worth clientele may turn off many average customers.
If you don’t live in the eight-state area, the basic accounts may be difficult to utilize. Several of these accounts prohibit check usage, so you must visit a branch to obtain a cashier’s check. Not to add the lack of ATMs, making it difficult to retrieve funds from a basic account in a state that HSBC does not serve. If you have little cash, don’t require checks, or can afford a deluxe account, these difficulties may not affect you.
Thanks for taking the time to read this blog post on HSBC USA Customer Service.
