HSBC

Based in New York, HSBC USA is a subsidiary of the United Kingdom's HSBC Holdings, one of the world's largest financial conglomerates. With more than 450 offices in the United States, the company's branch banking is concentrated in New York state. Serving over 4 million customers, HSBC USA offers branch and online banking (including a popular high-yield savings account) and lending as well as private banking. The company also offers commercial and investment banking for corporate customers.

Today's Top Products

Products Offered by HSBC:

Rating * Products ? Rating * Products ?
0.0 1 CD 0.0 1 Insurance Agent
0.0 1 Car Loan 3.0 1 Life Insurance Policy
3.7 5 Checking Accounts 5.0 3 Mortgages
3.8 20 Credit Cards 4.0 2 Personal Loans
0.0 4 Home Equity Products 0.0 1 Renters Insurance Plan
1.0 1 Home Insurance Plan 4.2 3 Savings Accounts
5.0 2 IRAs    
* Displayed Rating is the average of all ratings for the given product type

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HSBC Reviews

2.0
Jan 9, 2009 1:57 am

I have been with HSBC about 4 years, I also have other banks that I deal with as well. In comparison, HSBC's customer service through the few branchs in Rochester are very rude. The lines are long because they're slow. The time they clear my pay check takes up to 3 business days, which they doesn't even show online as a deposit until it clears. I have since switched to M&T.

4.0
Jan 3, 2009 5:29 pm

A year and half ago I was looking for a bank to stash my Emergency cash into. After looking for a few weeks I found out about HSBC. Since I’ve been a customer I’ve been very satisfied with their service. I would recommend it to anyone looking for a back up savings account!

5.0
Jan 2, 2009 12:13 pm

I consider this the best in the sector. I have an account with this bank and I dont have to really visit the branch. All I do is internet banking and use ATM service to do transactions and request services.
This is so convenient. I dont have to waste time waiting in queue for a long time.
The best that impresses me is that help I get from the staff of HSBC. They are too professional and deals our request with care and respect.
I dont remember if I had any issue with the bank in history.
I rate this bank the best in the world.

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4.0
Dec 11, 2008 10:20 pm

I am an HSBC Direct customer. I am very satisfied with their product and service thus far. While their online interface is not necessarily the best, it is efficient. I use the online savings account which currently pays about 3% apy, which is much higher than you'll find in most places with interest rates approaching 0%. I also like that there is no minimum balance. The bank to bank transfers are no-fee and conducted efficiently. I would recommend HSBC to anyone.
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4.0
Staff
Jun 13, 2008 3:27 pm

Overall a pretty good bank with a lot of locations in NYC. I find their customer service far better at the branch compared to the people I speak with on the phone. Also be aware that if you are an HSBC direct customer that you get very limited customer service assistance in a branch with this product. But again, I am quite comfortable recommending HSBC to a friend worry free.

The Best of FiLife

The top FiLife rated HSBC products:

2.
APR: 14.99%   Annual Fee: $0
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5.0
3.
APR: 8.9%   Annual Fee: $0
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3.2
4.
APR: 14.99%   Annual Fee: $0
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5.
APR: 8.99%   Annual Fee: $0
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Type Today Week Ago
15 Year Fixed 4.73% 4.73%
30 Year Fixed 4.98% 4.98%
1 Year ARM 3.99% 3.99%
5/1 Year ARM 4.51% 4.51%
Type Today Week Ago
Line of Credit 4.50% 4.50%
10 Year Loan 7.68% 7.68%
15 Year Loan 7.83% 7.83%
Type Today Week Ago
Interest Checking 0.33% 0.33%
Money Market/Savings 0.58% 0.58%
12 Month CD 2.02% 2.02%
60 Month IRA CD 2.94% 2.94%
Type Today Week Ago
Cash Back Cards 10.60% 10.60%
No Annual Fee Cards 10.97% 10.97%
Reward Cards 11.52% 11.52%
Small Business Cards 10.60% 10.60%
Student Cards 13.15% 13.15%
Platinum Cards 10.94% 10.94%
Provided by Informa 01.09.09