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STAY IN CONTROL OF YOUR FINANCES WITH ONLINE BANKING
With Personal Internet Banking, it's easier than ever to manage your accounts
online.
1. Home
2. Personal Internet Banking
COMING SOON – WE’RE ENHANCING YOUR HSBC ONLINE BANKING EXPERIENCE
What’s changed?
* Updated look and feel, easy to use features
* Simplified and consistent design to make it easier to move money
* New, useful links located on top of Account Summary page
* Sending money to individuals or companies with Real-Time Payments (RTP®)
* Faster and easier to manage account details
* View your pending card transactions in real-time
Learn more
Personal Internet Banking
Enjoy quick, easy access to your account information from your computer, tablet
or smartphone. Personal Internet Banking is safe, convenient and free, and it's
backed by our $0 Liability, Online Guarantee11 view footnote 1.
NOT REGISTERED?
Register now
EXISTING CUSTOMERS
Log on now
* Learn about our Mobile App²
ONLINE BANKING FEATURES
BALANCES AND STATEMENTS
* View your account balances and transactions
* Historical statements are available online for credit card and Select Credit
accounts.
* View form 1099-INT33 view footnote 3 when you’re signed up for Personal
Internet Banking
MOVE MONEY
* Move money easily between your eligible HSBC and non-HSBC deposit accounts
using a Bank to Bank transfer4
* Send a wire from your HSBC account to another person, business, or financial
institution
PAY BILLS AND VIEW CHECKS
* Pay bills securely and for free with an on-time guarantee55 view footnote 4
* View copies images of your cashed checks images with RecordCheck®66 view
footnote 5
TOP FEATURE COMPARISON
Desktop
Mobile App
View account balances
Yes Yes
Bank to Bank transfers
Yes
Mobile check Deposit
Yes
Online Registration
Yes Yes
Bill Pay
Yes Yes
TOP FEATURE COMPARISON
View account balances
Desktop
Yes
Mobile App
Yes
Bank to Bank transfers
Desktop
Yes
Mobile App
Mobile check Deposit
Desktop
Mobile App
Yes
Online Registration
Desktop
Yes
Mobile App
Yes
Bill Pay
Desktop
Yes
Mobile App
Yes
EXPLORE ONLINE BANKING
GO PAPERLESS
With eStatements, you can view, download or print an electronic version of your
statement.
MOVE MONEY
Your needs vary, so we offer flexible options for moving your money.
PAY YOUR BILLS
Pay bills to anyone in the U.S. - online, anytime. It's convenient and free.
View Personal Internet Banking Terms and Conditions
FREQUENTLY ASKED QUESTIONS
WHAT IF I FORGET MY PERSONAL INTERNET BANKING PASSWORD?
If you forget your Personal Internet Banking Password, you can create a new one
right online. In the 'Enter your Password' section, click the link stating
'Forgot Password?'
In order for us to verify your identity so that you can create a new password,
you will need to provide the answer to one of your security questions along with
entering a security code. Your answers will be to security questions that you
created when you first registered for Personal Internet Banking.
I DON'T REMEMBER MY DIGITAL SECURITY DEVICE PASSCODE. HOW CAN I RESET IT?
You can reset your Passcode by launching the HSBC Mobile Banking App and
selecting the 'Log On' button from the home screen. From there, click on 'Help'
in the upper right corner, then 'Forgotten your Security Device Passcode'.
Answer your Security Questions, select how you would like to receive a passcode
reset number, and follow the instructions to create a new passcode.
WHAT SHOULD I DO IF I BECOME A VICTIM OF ONLINE THEFT OR FRAUD?
As soon as you learn of the theft or unauthorized transaction on your accounts,
contact our Customer Relationship Center immediately at 800.975.4722.
HOW DO I SIGN UP FOR PERSONAL INTERNET BANKING?
There are two ways to register for Personal Internet Banking:
1. Click 'Register' from the Personal Internet Banking page
2. Download the HSBC Mobile Banking App2. Select 'Log On' and then 'Not
Registered?'
Learn more
HOW DO I GO PAPERLESS?
All registered Personal Internet Banking customers can view, download or print
their eligible bank statements online. In addition, you can also view and print
eligible Form 1099-INT, available after January 1 of each year.
WHAT BANKING TRANSACTIONS CAN I PERFORM WITH PERSONAL INTERNET BANKING?
Personal Internet Banking allows you to make transactions online and manage your
accounts, balances, bill payments and deposits:
* View balances and transactions on your deposits, loans, credit card, and
mortgage accounts
* Pay bills to virtually anyone in the United States with complimentary online
Bill Pay service
* Review the last 16 months of transactions for Personal Internet Banking.
* View your eligible Checking, Savings, Select Credit and Credit Card account
statements through eStatements
* Online Check Images - Personal Internet Banking customers with a checking
account who are enrolled in the RecordCheck®service can view and print their
posted checks images right online.
* Transfer funds between your HSBC accounts (this is an ideal way to pay your
HSBC accounts quickly).
* With the Bank to Bank Transfers service, you can move money between your HSBC
accounts and other financial institutions, credit unions and brokerage
accounts.
* Initiate wire transfer requests to another person, business or financial
institution in the U.S. or internationally through Personal Internet Banking.
* View information about your mortgage account including escrow and payment
history
* Obtain quotes for several insurance products
* View your investment and brokerage balances
* Request a credit card line increase
* Apply for HSBC select accounts and services
* Order new checks
* Request copies of statements
* Request a Stop Payment for an HSBC check
* Access to Credit Card Rewards Program website to view and redeem Credit Card
Rewards Points
* Securely communicate with our Customer Relationship Center anytime for
information on products and services
All this is backed by our $0 Liability, Online Guarantee against unauthorized
access. Bank online with confidence – we've got you covered.
* View all Personal Internet Banking FAQs
ONLINE GUARANTEE
$0 LIABILITY, ONLINE GUARANTEE
You can bank online with confidence because HSBC is committed to safeguarding
your banking information. HSBC uses several layers of security to prevent
unauthorized access.
Sign up now for Personal Internet Banking
Your online transactions are backed by our $0 Liability, Online Guarantee11 view
footnote 1 against fraud, which provides:
* $0 liability for unauthorized online bill payments or transactions on the
HSBC accounts listed below11 view footnote 1
* $0 liability for unauthorized credit card charges
What is HSBC's $0 Liability, Online Guarantee?
Through the $0 Liability, Online Guarantee, we pledge that you will not be
liable for any unauthorized online bill payments and funds transfers on HSBC
accounts made through Personal Internet Banking or unauthorized online use of
your HSBC credit card.
The following are not covered under HSBC's $0 Liability, Online Guarantee:
* Business or commercial accounts, accounts at other financial institutions or
accounts not covered by the Federal Regulation E requirement.
* You do not inform HSBC of the fraudulent use of your online accounts within
60 days after the statement date on the account in question.
* You do not report a lost or stolen Password or PIN within two business days
(you may be responsible for up to $500 from date of loss to date of reporting
loss).
* You do not take steps to safeguard your account, personal firewalls and
online security diligence outlined in the HSBC Security & Fraud Center.
* Transactions initiated by individuals with whom you share Passwords or other
log on credentials to access account data or funds will be considered
authorized by you. If you choose to enable fingerprint scanning on a mobile
device used to log on to HSBC Mobile Banking, you should not allow anyone
else's fingerprints to access your mobile device. Those individuals will be
able to access your HSBC Mobile Banking App on the same device and their
transactions will be considered authorized by you.
Who is eligible for the $0 Liability, Online Guarantee?
All HSBC Personal Internet Banking customers11 view footnote 1 with an HSBC
personal checking, savings, Certificate of Deposit (CD), or credit card account
are protected under the online guarantee, at no cost to them.
What should I do if I become a victim of online theft or fraud?
As soon as you learn of the theft or unauthorized transaction on your accounts,
contact our Customer Relationship Center immediately at 800.975.4722.
TTY: 800.898.5999, Mon - Fri (6am to 10:30pm ET), Sat & Sun (7am to 10:30pm ET).
What practices can I adopt to help keep my online information safe?
At HSBC, the security of your information is paramount. Our systems and security
procedures are designed to keep your personal and financial data confidential at
all times. You also have a significant role to play and should adopt the
practices outlined in HSBC's Security & Fraud Center to help keep your personal
and financial information protected from unauthorized use. Please visit our
HSBC Security & Fraud Center to learn more.
TERMS AND CONDITIONS
HSBC PERSONAL INTERNET BANKING TERMS AND CONDITIONS
TABLE OF CONTENTS:
1. What This Agreement Covers
2. Personal Internet Banking Services
3. Other Terms and Conditions
4. Log On Credentials
5. Wire Transfers
6. HSBC Mobile Banking
7. Electronic Funds Transfer
8. Bank to Bank Transfers Service
1. WHAT THIS AGREEMENT COVERS
This Agreement between you and HSBC Bank USA, N.A. (“HSBC”) governs the use of
Personal Internet Banking services. These services permit enrolled HSBC
customers to perform a number of banking functions online through the use of a
personal computer or, for some functions, a mobile device on accounts linked to
the service, including some accounts with our affiliates, such as HSBC
Securities (USA) Inc. (“HSBC Securities”). Unless indicated otherwise by the
context, “linked HSBC accounts” or “linked accounts” refers to all of your
accounts with HSBC or its affiliates that you have linked to Personal Internet
Banking.
When you use any of the Personal Internet Banking services described in this
Agreement, or authorize others to use them, you agree to the terms and
conditions of the entire Agreement. Your use of online banking services may also
be affected by the agreements between us for your linked HSBC accounts. You
should review those agreements for any applicable fees, for limitations on the
number of transactions you can make, and for other restrictions that might
impact your use of an account with online banking services. In addition, your
use of online banking services is affected by our Website Terms and Conditions,
which terms are incorporated here by reference and made a part of this
Agreement.
Back to topBack to top Go back to Table of Contents
2. PERSONAL INTERNET BANKING SERVICES
To access all of the features and services offered by Personal Internet Banking,
sign in directly through our website at www.us.hsbc.com from a personal
computer. Please refer to this Agreement, related agreements for online services
and your applicable account agreements and/or fee schedules for information on
fees for online services. Certain types of transactions within Personal Internet
Banking may require additional authentication using an HSBC Security Device.
Some online banking services may not be available for certain accounts,
customers, or through Mobile Banking.
A. BILL PAYMENT SERVICES
If you are an HSBC customer with an eligible checking account, you may use the
bill payment service (“Bill Payment”) to make one-time or recurring payments
online from your linked checking account(s) to companies or individuals
(“Payees”) you select. Payments can be entered up to a year in advance.
Bill Payment is limited to Payees with United States addresses. In utilizing
Bill Payment, you authorize us to make payments to the Payee in the manner we
select, either electronically or by check. Our payment system selects the most
appropriate method. If we are unsuccessful, or if we determine that the Payee
cannot process payments in a timely manner, we may decline future payments to
the Payee. In the unlikely event that this occurs, we will promptly send you a
notice. Any obligations that you wish to pay through Bill Payment must be
payable in U.S. dollars to a Payee located in the United States. We reserve the
right to restrict categories of Payees to whom payments may be made using the
service.
Scheduling Bill Payments: The scheduled delivery date is the date you enter for
the payment to be delivered to the Payee. The system will display to you the
earliest possible delivery date, which may not be the same day. The payment
amount will be debited from or charged to the account that you designate prior
to the scheduled delivery date. If the scheduled delivery date is a weekend or
non-Business Day, then the delivery date will be the next Business Day. If we
are unable to complete the payment because of insufficient funds in your account
or some other reason, we will send you a secure Message through online banking.
We will also notify you if your account is no longer in good standing and your
eligibility for Personal Internet Banking services has been terminated.
Canceling Bill Payments: If the Bill Payment is a recurring payment set up on
the Bill Pay service, then you can cancel that Bill Payment: (1) Through the use
of Personal Internet Banking, as long as the request is received before the Bill
Payment Process Date of the next recurring Bill Payment; (2) By calling us at
1-800-975-4722; or (3) By writing to: HSBC Bank USA, National Association, P.O.
Box 9, Buffalo, NY 14240. We must receive your call or written request at least
three (3) Business Days before the Bill Payment Process Date of the next
recurring Bill Payment. If you call, we will require you to put your request in
writing and get it to us within 14 calendar days after you have made the
request. Once a recurring bill payment is cancelled, all future payments to that
payee will be cancelled and you must reschedule it if you want a Bill Payment to
be made in the future.
B. TRANSFERS
Transfers can be made in two ways, on a one-time or recurring basis. One-time
transfers may be immediate or scheduled for a future date. Recurring transfers
may be set up when a fixed amount is transferred at regular intervals, for
example, a $100 transfer from a checking to a savings account which occurs every
two weeks.
Transfers will be processed as follows:
Immediate transfers
Date of Immediate Transfer Request
Date Immediate Transfer will be made
On a Business Day - before
approximately 10 p.m. Eastern Time
Same Business Day that the transfer is requested.11 View footnote 1
On a Business Day - after
approximately 10 p.m. Eastern Time
Transaction will post the next Business Day after the
transfer is requested.11 View footnote 1
On a day other than a Business Day
Transaction will post the next Business Day after the
transfer is requested.11 View footnote 1
Immediate transfers
Date of Immediate Transfer Request
On a Business Day - before
approximately 10 p.m. Eastern Time
Date Immediate Transfer will be made
Same Business Day that the transfer is requested.11 View footnote 1
Date of Immediate Transfer Request
On a Business Day - after
approximately 10 p.m. Eastern Time
Date Immediate Transfer will be made
Transaction will post the next Business Day after the
transfer is requested.11 View footnote 1
Date of Immediate Transfer Request
On a day other than a Business Day
Date Immediate Transfer will be made
Transaction will post the next Business Day after the
transfer is requested.11 View footnote 1
Scheduled transfers
Date of Scheduled Transfer Request
Date Scheduled Transfer will be made
On a Business Day
Transaction will post that Business Day at
approximately 4 a.m. ET on the day the transfer was
scheduled.22 View footnote 2
On a day other than a Business Day
Transaction will post the next Business Day at
approximately 4 a.m. ET after the day the transfer was
scheduled.22 View footnote 2
Scheduled transfers
Date of Scheduled Transfer Request
On a Business Day
Date Scheduled Transfer will be made
Transaction will post that Business Day at
approximately 4 a.m. ET on the day the transfer was
scheduled.22 View footnote 2
Date of Scheduled Transfer Request
On a day other than a Business Day
Date Scheduled Transfer will be made
Transaction will post the next Business Day at
approximately 4 a.m. ET after the day the transfer was
scheduled.22 View footnote 2
1 If transferring to an HSBC Bank USA, N.A. deposit account, the funds are
available upon completion of the transfer.
2 If transferring to an HSBC Bank USA, N.A. deposit account, the funds are
available after 4 a.m. ET on the date the transfer was made.
C. LIMITATIONS FOR BILL PAYMENT AND TRANSFERS
Transfers and Payments made through Personal Internet Banking are subject to the
Rules for Consumer Deposit Accounts governing such account, including any
applicable Transfer Limits. Any obligation that you wish to pay with Bill
Payment must be payable in U.S. dollars to a Payee located in the United States.
We reserve the right to restrict categories of Payees to whom payments may be
made using the service. We will not be liable if you use Bill Payment or
Transfers for one of these prohibited categories and the payment does not go
through or does not arrive on time. You should not use the service to make:
* Tax payments
* Court-ordered payments
* Payments to settle securities transactions
D. TRANSFER/ PAYMENT AUTHORIZATION AND SUFFICIENT AVAILABLE FUNDS
You authorize HSBC to withdraw, debit or charge the necessary funds from your
designated account in order to complete all of your designated transfers and
payments. You agree that you will instruct us to make a transfer or payment only
when there is enough money (available balance) in your account(s) to cover the
transaction at the time of the transfer or payment. Any transfers or payments
you request that exceed the available balance in your account(s) will be treated
in accordance with the Rules for Consumer Deposit Accounts, and any other
applicable agreements. At our option, we may make a further attempt to issue the
payment or process the transfer request.
HSBC is under no obligation to inform you if it does not complete a transfer or
payment because your available balance does not have enough funds to process the
transfer or payment. In this case, you are responsible for making alternate
arrangements or rescheduling the transfer or payment within Personal Internet
Banking or Mobile Banking. In the event your account does not have sufficient
available balance on a future transfer or payment, a secure Message through
online banking will be sent to you.
E. OUR LIABILITY FOR FAILURE TO CANCEL OR STOP A TRANSFER OR BILL PAYMENT
If you attempt to cancel a payment in accordance with this Agreement and we do
not do so, we will be liable for any of your losses or damages.
Back to topBack to top Go back to Table of Contents
3. OTHER TERMS AND CONDITIONS
A. CHARGES AND FEES
Except as otherwise provided in your applicable account agreements and schedule
of fees, there is no monthly service charge for accessing your linked accounts
online. Depending on how you access Personal Internet Banking, you may incur
charges for Internet service provider fees and/or wireless carrier fees.
B. SERVICE HOURS
Personal Internet Banking services are available 365 days a year and 24 hours a
day, except during system maintenance and upgrades. When this occurs, a message
will be displayed online when you sign on to Personal Internet Banking. Please
visit the HSBC Contact Us page for complete contact information and hours.
C. BUSINESS DAYS
For Personal Internet Banking services, our business days are Monday through
Friday, excluding Federal holidays, and, for investment accounts only, stock
exchange closures and holidays (such as Good Friday).
D. CANCELLING YOUR PERSONAL INTERNET BANKING
Personal Internet Banking will remain in effect until it is terminated by you or
HSBC. You may cancel Personal Internet Banking at any time by notifying us of
your intent to cancel in writing, through online banking secure Messages, or by
other written correspondence. This cancellation applies to your Personal
Internet Banking profile only, and does not terminate or close your HSBC
accounts. All HSBC online-only accounts require that you access the accounts
online and, accordingly, such accounts must be closed if you want to remove
online access. We may terminate your participation in Personal Internet Banking
for any reason, including inactivity, or no reason, at any time. We will try to
notify you in advance, but we are not obliged to do so. Your online banking
services will also end if you close all accounts linked to your Personal Banking
profile.
If you choose to cancel Personal Internet Banking, any unprocessed payments will
be cancelled. We recommend that you cancel any scheduled payments prior to
notifying us that you are discontinuing Personal Internet Banking. HSBC will
cancel any scheduled payments within two bank business days from the date we
receive your request to discontinue Personal Internet Banking.
E. JOINT ACCOUNTS
If a joint account is linked to the service, we may act on the verbal, written
or electronic instructions of any account owner. For more information regarding
access of joint accounts online, please see Section 4 of this Agreement.
F. CHANGES TO AGREEMENT
We may change this Agreement at any time. We will notify you of such changes by
mail, secure Messages through online banking, or notice in an HSBC Wealth
Center. Any change will be effective when sent or posted. If you initiate any
transfer of funds or bill payment through online banking after the effective
date of a change, you indicate your agreement to the change.
We will send you notice at least 30 days before the effective date of the change
if the change results in (1) increased or new account-related fees or charges,
(2) increased liability for you, (3) fewer types of electronic funds transfers,
or (4) stricter limitations on the frequency or dollar amounts of transfers,
unless the change must be made immediately for security reasons.
G. USE OF EXTERNAL EMAIL ADDRESS
You are required to provide us with a valid, current email address. If your
email address changes at any time, you must promptly update your email address
with us. We may send messages to your external email address to notify you about
changes in terms, privacy notices, or that responses to your payment inquiries
or customer service inquiries are available in online banking. We cannot act on
instructions sent by you from an external email address. You should use the Chat
function through online banking to send instructions to HSBC.
H. DISCLOSURE OF ACCOUNT INFORMATION
We may disclose information about you or your transactions for our everyday
business purposes, such as to process your transactions, maintain your
account(s), respond to court orders and legal investigations, or report to
credit bureaus. For more information about our privacy and security practices
and a link to our Privacy Notice go to our website at
www.us.hsbc.com/online-privacy-statement. No HSBC or Payee employee, nor any
company affiliated with HSBC, will contact you through email or phone requesting
your log on credentials. If you are contacted by anyone requesting this
information, please contact us immediately.
I. ACCOUNT STATEMENTS AND DOCUMENTS
Enrollment in Paperless Account Statements and Documents: As part of Personal
Internet Banking enrollment, all Personal Internet Banking customers must
consent to the Electronic Communications Disclosure. The Electronic
Communications Disclosure allows us to provide this Agreement and certain
communications electronically. In addition, the Electronic Communications
Disclosure provides important information about electronic delivery for account
statements and documents. For more details, please review the Electronic
Communications Disclosure by visiting Electronic Communications Disclosure.
As new document types are sent electronically for your eligible accounts, you
will automatically receive those new document types electronically instead of by
mail without needing to make an additional change in your communication
preferences in online banking. At times, we may, in our sole discretion, mail
you a paper copy of certain statements and documents even if you have chosen
electronic delivery. When a statement or document is delivered electronically,
we send an email to alert you that it is available for viewing through online
banking.in Personal Internet Banking. You must have a valid email address to
receive these alerts. Electronic statements and documents are generally provided
in PDF format. In order to view, print or save copies of your account statements
and documents, you will need to ensure that the computer or device you are using
meets the hardware and software requirements specified by the Electronic
Communications Disclosure.
Managing your Electronic Delivery Settings: You can switch certain electronic
account statements and documents back to paper mail delivery at any time within
Personal Internet Banking, except for online-only accounts. Your HSBC
online-only accounts require electronic delivery of statements and documents. It
may take up to two statement cycles for your revised delivery settings to take
effect. Setting your electronic delivery preferences may not be available for
all accounts, products, services or documents. We may, in our sole discretion,
add to, modify or delete any of the features we provide within our electronic
statements and documents service, except for online-only accounts.
J. BUSINESS ACCOUNTS ON PERSONAL INTERNET BANKING
Personal Internet Banking is a service primarily intended for consumer accounts.
You shall at all times indemnify, defend and hold HSBC harmless from and against
all actions, proceedings, claims or loss, damage, costs and expenses which may
be brought against HSBC or incurred by HSBC and which shall have arisen in
connection with the instructions transmitted by online banking relating to your
business accounts. You acknowledge that HSBC offers HSBCnet for business
accounts. HSBCnet provides additional security features. HSBCnet provides
built-in security features permitting you to establish transfer and account
access limitations that are not available on Personal Internet Banking.
K. LIMITATION OF LIABILITY FOR ONLINE BANKING TRANSACTIONS
Except as specifically provided in this HSBC Personal Internet Banking Terms and
Conditions or where applicable law requires a different result, NEITHER WE NOR
OUR SERVICE PROVIDERS OR OTHER AGENTS WILL BE LIABLE FOR ANY LOSS OR LIABILITY
RESULTING IN WHOLE OR IN PART FROM ANY ACT OR FAILURE TO ACT OF YOUR EQUIPMENT
OR SOFTWARE, OR THAT OF AN INTERNET BROWSER PROVIDER, OR BY AN INTERNET ACCESS
PROVIDER, BY AN ONLINE SERVICE PROVIDER OR BY AN AGENT OR SUBCONTRACTOR FOR ANY
OF THEM, NOR WILL WE OR OUR SERVICE PROVIDERS OR OTHER AGENTS BE RESPONSIBLE FOR
ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL ECONOMIC OR OTHER DAMAGES
ARISING IN ANY WAY OUT OF YOUR ACCESS TO OR USE OF, OR FAILURE TO OBTAIN ACCESS
TO ONLINE BANKING SERVICES, INCLUDING ANY SERVICE PROVIDER THEREIN.
L. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS
If we do not complete a transaction to or from your account on time, or in the
correct amount, according to our Agreement with you, we will be liable for your
losses or damages. However, there are some exceptions. For instance, we will not
be liable:
* If, through no fault of ours, you don’t have enough available funds in your
account to cover the transaction or transfer.
* If online banking services weren’t working properly, and you knew about the
malfunction when you started the transaction or transfer.
* If circumstances beyond our control (such as fire or flood) prevented the
transaction or transfer, despite reasonable precautions we’ve taken.
* If you have not given us complete, correct and current instructions so that
we can make a transfer or bill payment.
* There may be other exceptions not specifically mentioned.
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4. LOG ON CREDENTIALS
Your log on credentials are used to identify you when accessing Personal
Internet Banking. They act as your signature. For information regarding creating
a strong password, please visit
https://www.us.hsbc.com/help/security/protect-you/#internet. You can change your
log on credentials at any time. For your protection, you should memorize your
log on credentials and not keep any notation of them on or with your computer.
Log on credentials assure that only you can access Personal Internet Banking.
You agree not to give your log on credentials to anyone. If you give your log on
credentials to a person or entity, application or otherwise, you will be
responsible for any money withdrawn or transferred from your accounts using such
log on credentials.
If any of your accounts are joint accounts, each owner is entitled to and should
have their own log on credentials to access online banking. The sharing of
credentials is not recommended and could potentially place your information at
risk. To register, joint holders should call the Customer Relationship Center at
1-800-975-4722 or sign up for Personal Internet Banking by visiting us.hsbc.com
and selecting “Register” in the top right hand corner to create individual log
on credentials. You understand and agree that, to the extent permitted under
applicable law, each owner of an account is jointly and individually responsible
for all Personal Internet Banking transactions that affect the account,
including the initiation of HSBC Securities (USA) Inc. investment account
transactions using Personal Internet Banking.
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5. WIRE TRANSFERS
The Wire Transfer service is governed by the Funds Transfer provisions of the
Rules for Consumer Deposit Accounts governing such account.
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6. HSBC MOBILE BANKING
Use of the HSBC Mobile Banking App is subject to additional terms contained in
the HSBC Mobile Banking Terms and Conditions.
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7. ELECTRONIC FUNDS TRANSFER
The provisions in this section apply only to electronic funds transfers that
debit or credit a consumer’s checking, savings or other asset account and are
subject to the Bureau of Consumer Financial Protection’s Regulation E (“EFT”).
HSBC may rely on any exceptions to the provisions in this section that are
contained in Regulation E. All terms not otherwise defined in this Agreement
which are defined in Regulation E will have the same meanings when used in this
section as they do in Regulation E. HSBC’s Electronic Banking Services
Information Statement is incorporated herein by reference.
A. LIABILITY FOR USE
You are responsible for any EFT transaction you make with your log on
credentials. You are also responsible for any EFT transaction made by someone
else to whom you have given your log on credentials until you notify us that the
person no longer has your permission to use them.
Tell us AT ONCE if you believe your log on credentials have been lost or stolen,
or if you believe that an electronic fund transfer has been made without your
permission using information from your check or other information about your
account. Calling is the best way of keeping your possible losses down. You could
lose all the money in your account (plus your maximum overdraft line of credit).
Also, if your monthly statement shows EFT transactions made with your log on
credentials that you did not make (or give someone permission to make for you),
tell us AT ONCE. If you do not tell us within 60 days after the statement was
mailed to you, you may not get back any money lost after the 60 days, if we can
prove we could have stopped someone from taking the money if you had told us in
time. If a good reason (such as a long trip or a hospital stay) kept you from
telling us, we will extend the time periods.
B. WHERE TO CALL OR WRITE
If you believe your log on credentials have been lost or stolen or that someone
has or may use them to withdraw money from your deposit account without your
permission, contact us immediately. Please visit the HSBC Contact Us page for
complete contact information and hours.
C. ERROR RESOLUTION NOTICE
In case of errors or questions about your electronic transactions, please refer
to the HSBC Electronic Banking Services Information Statement.
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8. BANK TO BANK TRANSFERS SERVICE
Bank to Bank Transfers (“Service”) offered by HSBC and service provider allows
you to transfer funds to or from your HSBC accounts and any other account held
by you at another U.S. financial institution – referred to in these terms as
“Accounts” – assuming, of course, that the transfer is permitted by your
financial institution and by law. Bank to Bank Transfers can only be completed
between accounts that are owned by the same account holder. In order to use Bank
to Bank Transfers, you have to be a Personal Internet Banking customer of HSBC.
Details of applicable limits can be found on the Bank to Bank Transfers section
of the HSBC website.
A. ACCEPTANCE OF BANK TO BANK TRANSFERS TERMS
These terms apply when you use Bank to Bank Transfers. HSBC reserves the right
to change the Terms under which the Service is offered in its sole discretion at
any time; however, HSBC will notify you of any material change to the Terms. In
most cases, you will receive the notice online the next time you log in;
however, HSBC reserves the right to notify you by email or by conventional mail,
at its discretion. You agree that if you continue to use the Service after we
notify you of any change, you thereby accept the changes to the Terms and agree
to be bound by this Agreement, as amended. If you do not accept and agree to the
changes to the Terms, you will not be entitled to use the Service. You can
review, download and print the most current version of this Agreement at any
time by clicking on the Terms and Conditions link within the footer of the
Personal Internet Banking website and then clicking “Personal Internet Banking”
in the “Other Terms & Conditions” section of the right hand menu. If you do not
agree to the changes, or if at any time you wish to discontinue your use of the
Service, you can unsubscribe by sending a secure Message from online banking or
calling our Customer Relationship Center at 1-800-975-4722. Representatives are
available Monday - Sunday 7:00am - 9:00pm ET and will be happy to help.
B. INFORMATION AUTHORIZATION
HSBC and our service provider reserve the right to obtain such additional
information as we deem reasonably necessary to ensure that you are not using our
Service in violation of law, including, but not limited to, laws and regulations
designed to prevent money laundering or the transfer of funds to accounts that
are blocked under regulations of the Office of Foreign Assets Control (OFAC) of
the United States Treasury Department.
Once you are approved for Bank to Bank Transfers, we may verify the Accounts
that you add to the Service from time to time. You authorize us to validate the
Accounts through the use of a test transfer, in which one or more low value
payments will be both credited to and debited from the Account. The test credit
will always occur before the test debit and will always be of the same or lesser
amount, so that the balance in any of your Accounts will never be less than the
actual balance.
Once the test transfer is complete, we may ask you to access your Account to
tell us the amount of the test credit or debit or any additional information
reported by your bank with this test transfer. We may also verify Accounts by
requiring the entry of information you ordinarily use to access the Account
provider’s website, or by requiring you to submit proof of ownership of the
Account.
C. USER CONTENT
Subject to HSBC’s Privacy Policy, you agree that HSBC may use, copy, modify,
display and distribute any information, data, materials or other content
(“Content”) you provide to HSBC for the purpose of providing the Service, and
you hereby give HSBC a license to do so. By submitting Content, you represent
that you have the right to license such Content to HSBC for the purposes set
forth in this Agreement.
D. ACCOUNTS
You understand that in order to complete Bank to Bank Transfers, it is necessary
for HSBC and our service provider to access the websites and databases of your
bank and other institutions where you hold Accounts, as designated by you and on
your behalf, to retrieve information and effect the fund transfers you request.
By using the Service, you represent and warrant to us that you have the right to
authorize and permit us to access your Accounts to effect such funds transfers
or for any other purpose authorized by this Agreement, and you assure us that by
disclosing and authorizing us to use such information you are not violating any
third party rights. You warrant and represent that the information you are
providing us with is true, current, correct and complete. You hereby authorize
and permit HSBC and our service provider to use information submitted by you to
accomplish these purposes and to configure the Service to be compatible with the
Accounts.
For as long as you are using the Service, you give to HSBC and our service
provider a limited power of attorney and appoint HSBC and our service provider
as your true and lawful attorney-in-fact and agent, with full power of
substitution and re-substitution, for you and in your name, place and stead, in
any and all capacities, to access the Accounts, effect funds transfers as
described above, with full power and authority to do and perform each and every
act and thing requisite and necessary to be done in connection with effecting
funds transfers, including verifying the content and authenticity of any funds
transfer instruction for the purposes of security procedures applicable to
Accounts, as fully to all intents and purposes as you might or could in person.
Once HSBC and/or our service provider has actual knowledge that you wish to
cease using the Bank to Bank Transfers service as provided in this Agreement or
as otherwise permitted in this Agreement and has a reasonable opportunity to act
on such knowledge, this limited power of attorney is automatically revoked;
provided, however, that any act done by HSBC and/or our service provider in good
faith before it has actual knowledge of termination by you and has a reasonable
opportunity to act on such knowledge shall be deemed to be authorized by you.
You understand and agree that at all times your relationship with each Account
provider is independent of HSBC and your use of the Bank to Bank Transfers. HSBC
will not be responsible for any acts or omissions by the financial institution
or other provider of any Account, including without limitation any modification,
interruption or discontinuance of any Account by such provider.
YOU ACKNOWLEDGE AND AGREE THAT WHEN HSBC AND OUR SERVICE PROVIDER IS EFFECTING A
BANK TO BANK TRANSFER FROM OR TO ANY OF YOUR ACCOUNTS, HSBC AND OUR SERVICE
PROVIDER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD
PARTY. You agree that HSBC, its affiliates, service providers and partners shall
be entitled to rely on the foregoing authorization, agency and power of attorney
granted by you.
YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF
ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) OUR DEBIT
AND/OR CREDIT OR INABILITY TO DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE
WITH YOUR BANK TO BANK TRANSFERS INSTRUCTIONS; (3) ANY INACCURACY,
INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE
ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS AND; (5) ANY FUNDS
TRANSFER LIMITATIONS SET BY THE FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE
ACCOUNTS.
Not all types of accounts are eligible for the Bank to Bank Transfers service.
Bank to Bank Transfers allows personal accounts in your name to be added to your
profile. Business accounts are not eligible to be used with the Bank to Bank
Transfers service. Be sure to check with your financial institution for
restrictions regarding transfers among your retirement (401k, etc.), savings,
trusts, loans, custodial, and other account types. We are not responsible for
any costs or losses incurred from Bank to Bank Transfers that are not permitted
under such restrictions by the provider of your Account or those imposed by
applicable law.
E. ELECTRONIC COMMUNICATIONS
1. GENERAL CONSENT; CATEGORIES OF RECORDS
Bank to Bank Transfers is an electronic, Internet-based service. Therefore, you
understand and agree that this Agreement will be entered into electronically,
and that the following categories of information (“Communications”) may be
provided by electronic means.
* This Agreement and any amendments, modifications or supplements to it.
* Your records of Bank to Bank Transfers and other transactions through the
Service, including without limitation confirmations of individual
transactions.
* Any initial, periodic or other disclosures or notices provided in connection
with the Service, including without limitation those required by federal or
state law.
* Any customer service communications, including without limitation
communications with respect to claims of error or unauthorized use of the
Service.
* Any other communication related to the Service.
Although HSBC reserves the right to provide Communications in paper format at
any time, you agree that we are under no obligation to do so. All Communications
in either electronic or paper format will be considered to be “in writing.” You
should print a paper copy of this Agreement and any electronic Communication
that is important to you and retain the copy for your records. If you do not
agree to receive this Agreement or the Communications electronically, you may
not use the Service.
2. HOW TO WITHDRAW CONSENT
If you have registered for the Service and you wish to withdraw your consent to
have Communications provided in electronic form, you must cancel any pending
transfer requests (within the time period permitted by the Service cancellation
policies) and stop using the Service.
3. HOW TO UPDATE YOUR RECORDS?
You agree to promptly update your registration records if your email address or
other information changes. You may update your records, such as your email
address, by using the “Communication preferences “section in Personal Internet
Banking.
4. DELIVERY OF ELECTRONIC COMMUNICATIONS
Communications may be posted on the pages of the Service website or other
website disclosed to you and/or delivered to the email address you provide. Any
electronic Communication sent by email will be deemed to have been received by
you when HSBC sends it to you, whether or not you received the email. If the
Communication is posted on the Service, then it will be deemed to have been
received by you no later than five business days after HSBC posts the
Communication on the pages of the Service, whether or not you retrieve the
Communication. An electronic Communication by email is considered to be sent at
the time that it is directed by HSBC’s email server to the appropriate email
address. An electronic Communication made by posting to the pages of the Service
is considered to be sent at the time it is publicly available. You agree that
these are reasonable procedures for sending and receiving electronic
Communications.
5. EMAIL REQUIREMENTS
In order to access and retain Communications, you must have:
* An email account and email software capable of reading your email.
F. PRIVACY POLICY AND CONFIDENTIALITY
In order to provide Bank to Bank Transfers, we must obtain from your certain
personal information about you, your Accounts, and your transactions (referred
to herein as “User Information”). You represent that you have the right to
provide such User Information and that you give us the right to use the User
Information.
You can see a full description of our privacy policy by clicking on “Privacy”
located in the footer of the Personal Internet Banking website.
G. BUSINESS DAYS
The Service will process requests for transfers on business days. The business
days for Bank to Bank Transfers are Monday through Friday. Federal Reserve Bank
Holidays are not included.
H. TRANSFER TYPES AND LIMITATIONS
1. TYPES OF TRANSFERS
You may use this service to transfer funds to or from an HSBC account and
another personal account in your name at another U.S. financial institution or
an approved service provider investment account, through the Internet.
Transactions may be scheduled to occur one time, for a future date, or
recurring.
Some of these services may not be available at all times. We may from time to
time make available additional or new features to the Service, including but not
limited to, a next day service and a higher limit service. You will be approved
or declined for any such additional service at our sole discretion and
additional terms and conditions may apply. Please ensure that you have
sufficient funds to effect any Bank to Bank Transfers from your Accounts. We may
at any time decline to effect any Bank to Bank Transfer that we believe may
violate applicable law.
2. DOLLAR AMOUNT OF TRANSFERS
You may not make Bank to Bank Transfers in excess of limits described on the
Service. We reserve the right to change from time to time the dollar amount of
the Bank to Bank Transfers you are permitted to make using our Service. Without
limiting the foregoing, in the event that your use of the Service has been
suspended and reinstated as provided herein (see “Suspension and Reinstatement
of Bank to Bank Transfers” below), you understand and agree that your use of the
Service thereafter may be subject to lower dollar amount limitations than would
otherwise be permitted by us.
3.TRANSFERS SUBJECT TO THE RULES OF THE ACCOUNTS
Additionally, all Bank to Bank Transfers are also subject to the rules and
regulations governing the relevant Accounts. You agree not to effect any Bank to
Bank Transfers from or to an Account that are not allowed under the rules or
regulations applicable to such accounts including, without limitation, rules or
regulations designed to prevent the transfer of funds in violation of OFAC
regulations.
I. REJECTION OF TRANSFERS
We reserve the right to decline to effect any Bank to Bank Transfer, to submit
Bank to Bank Transfer instructions or orders or to carry out change or
cancellation requests.
J. AUTHORIZATION
You authorize us to select any means to execute your Bank to Bank Transfer
instructions. You understand that to affect your Bank to Bank Transfer
instruction we utilize the Automated Clearing House (ACH), using applicable ACH
Rules, we debit one of your Accounts and credit another of your Accounts. Once
your Account has been debited, we credit our service provider’s transfer account
at the service provider’s clearing bank. After our service provider and/or its
clearing bank are reasonably certain that the debit will not be returned (in
most cases this is usually between 3-4 business days), our service provider will
credit your Account. The sole purpose for our service provider’s transfer
account is to complete your Bank to Bank Transfer requests and for performing
the services within the scope of this Agreement. The service provider earns no
interest on the funds in the transfer account. If the debit side fails or is
returned for any reason and the credit side has been released and cannot be
collected, you authorize our service provider to collect from the Account to
which the credit side of the funds transfer was sent. We reserve the right to
resubmit a debit, or a portion of the debit, in the event of an insufficient or
uncollected funds return and if we cannot collect the amount credited. To effect
this collection, you understand and authorize us to debit the credited Account
or the debited Account in either the same dollar amount as the original funds
transfer or a portion of the debit. There may be a fee associated with such
collection imposed by the financial institution holding the Account.
You understand and agree that we may from time to time impose additional charges
in connection with your Bank to Bank Transfers transactions. HSBC will notify
you of such fee in advance of the transaction and according to applicable rules
and regulations. If you choose to proceed with the transaction, you authorize
HSBC to debit your account in the amount indicated.
In the event that a debit to any of your Accounts, or any portion of any such
debit, has failed and the credit side of such transaction has been released and
cannot be collected, and we are unable to debit either the debited or the
credited Account as set forth above, we reserve the right, and you hereby
authorize us, to debit any of your other Accounts to the extent necessary to
offset any resulting deficiency. We do not undertake to notify you in such
event, other than by posting any such transfer or transfers to the applicable
Account in accordance with this Agreement.
You understand and agree that in the event we are unable to execute your Bank to
Bank Transfers request utilizing the ACH, we may utilize other established
payment mechanisms in order to complete your funds transfer instructions, such
as wire transfer or check.
K. SUSPENSION AND REINSTATEMENT OF BANK TO BANK TRANSFERS
In the event that we at any time incur a problem with your use of the Service,
including without limitation a failure in attempting to debit any of your
Accounts or to collect with respect to any of your Bank to Bank Transfers as
described above, and without limiting any other right or remedy that we may have
under this Agreement or otherwise, we reserve the right to suspend your right to
use the Service, immediately and without prior notice to you. You understand and
agree that such action is reasonable for us to take in order to protect itself
from loss. In the event of such suspension, you may request reinstatement of
your service by contacting us using any of the methods provided for under this
Agreement (see “Error Reporting and Claims,” below). We reserve the right in our
sole discretion to grant or deny reinstatement of your use of the Service. In
the event we agree to reinstate you, we reserve the right to, and ordinarily
will, initially reinstate your Service subject to lower per-transaction and
monthly dollar limits and/or with other restrictions than otherwise might be
available to you. Based upon your subsequent usage of the Service, HSBC in its
sole discretion may thereafter restore your ability to effect transfers subject
to such higher limits as may then be in effect (see “Dollar Amount of
Transfers,” above).
L. DOCUMENTATION
You may access a statement of all Bank to Bank Transfers effected or pending at
any time by clicking on the ‘History’ tab located within the Bank to Bank
Transfers service. If a Bank to Bank Transfer could not be completed, HSBC
and/or our service provider, upon learning that the Bank to Bank Transfer has
failed, will make a reasonable effort to complete the transfer. If the Bank to
Bank Transfer fails a second time, we will notify you to contact your financial
institution or other provider of the relevant Account to learn more about the
failure.
M. YOUR RESPONSIBILITY FOR ERRORS
You understand that we must rely on the information provided by you and you
authorize us to act on any instruction which has been or reasonably appears to
have been sent by you, to submit Bank to Bank Transfer instructions on your
behalf. You understand that financial institutions receiving the Bank to Bank
Transfer instructions may rely on such information. We are not obliged to take
any further steps to confirm or authenticate such instructions and will act on
them without getting further confirmation. You understand that if you provide us
with incorrect information or if there is any error in your instruction we will
make all reasonable efforts to reverse or delete such instructions, but you
accept full responsibility for losses resulting from any of your errors,
duplication, ambiguities or fraud in the information that you provide. You agree
not to impersonate any person or use a name that you are not authorized to use.
If any information you provide is untrue, inaccurate, not current or incomplete,
without limiting other remedies, HSBC reserves the right to recover from you any
costs or losses incurred as a direct or indirect result of the inaccurate or
incomplete information.
N. ERROR REPORTING AND CLAIMS
For Error Resolution procedures concerning your personal HSBC accounts, you may
refer to the Personal Internet Banking Terms and Conditions at any time by
clicking on “Terms & Conditions” in the footer of the Personal Internet Banking
website, and then clicking “Personal Internet Banking” in the “Other Terms &
Conditions” section of the menu on the right. We are not responsible for errors,
delays and other problems caused by or resulting from the action or inaction of
financial institutions holding the Account. Although we will try to assist you
in resolving any such problems, you understand that any such errors, delays or
other problems are the responsibility of the relevant financial institution. Any
rights you may have against a financial institution for such errors, delays or
other problems are subject to the terms of the agreements you have with such
financial institution, including any time limits during which complaints must be
made.
O. PROPRIETARY RIGHTS
You acknowledge and agree that HSBC and/or our service provider own all rights
in and to the Bank to Bank Transfers. You are permitted to use the Service only
as expressly authorized by this Agreement. You may not copy, reproduce,
distribute, or create derivative works, reverse engineer or reverse compile HSBC
and/or our service provider’s Bank to Bank Transfers or any of HSBC’s and/or our
service provider’s services or technology.
P. NO UNLAWFUL OR PROHIBITED USE
As a condition of using the Service, you warrant to us that you will not use the
Service for any purpose that is unlawful or is not permitted, expressly or
implicitly, by the terms of this Agreement or by any applicable law or
regulation. You further warrant and represent that you will not use the Service
in any manner that could damage, disable, overburden, or impair the Service or
interfere with any other party’s use and enjoyment of the Service. You may not
obtain or attempt to obtain any materials or information through any means not
intentionally made available or provided for through the Service. You agree that
these warranties and representations will remain in full force and effect even
if this Agreement terminates for any reason.
Q. SERVICE CHANGES AND DISCONTINUATION
We may modify or discontinue the Service or your use of some or all accounts
within the service, with or without notice, without liability to you, any other
user or any third party. We reserve the right, subject to applicable law, to
terminate your account within the Service and your right to use the Service at
any time and for any reason, including without limitation if we, in our sole
judgment, believe you have engaged in conduct or activities that violate any of
the Terms or the rights of HSBC and/or our service provider, or if you provide
us with false or misleading information or interfere with other users or the
administration of the Services. We reserve the right to charge a fee for the use
of the Service and any additional services or features that we may introduce.
You understand and agree that you are responsible for paying all fees associated
with the use of our Bank to Bank Transfers.
You can terminate your Bank to Bank Transfer service with HSBC at any time by
sending a secure Message from online banking or calling our Customer
Relationship Center at 800.975.HSBC (4722). Representatives are available Monday
- Sunday 7:00am - 9:00pm ET and will be happy to help.
R. SERVICE CHARGES
There are no transaction fees when you transfer funds through the Bank to Bank
Transfer service.
S. SECURITY PROCEDURES
You understand that the financial institution at which an Account is maintained
may contact us to verify the content and authority of Bank to Bank Transfer
instructions and any changes to those instructions. You understand that, as your
agent, we may provide to such financial institution such information as may be
required to verify the instructions and may constitute a valid security
procedure under the rules governing such Account.
T. DEVIATING FROM SECURITY PROCEDURES
You agree to allow us to authorize any financial institution at which you have
an Account to accept funds and transfer instructions in accordance with any
authorization procedures as may be agreed from time to time between you and such
financial institution, or between us, on your behalf, and such financial
institution, without verifying the instructions under the established security
procedures, regardless of whether such security procedures were agreed by you
directly or by us on your behalf. In addition, you agree that we may authorize
such financial institutions to charge and debit your accounts based solely on
these communications.
U. ACCOUNT NUMBER POLICY
If Bank to Bank Transfer instructions identify a bank or beneficiary by name and
account number, the relevant financial institution may execute those
instructions by reference to the number only, even if the number does not
correspond to the name. You understand that such financial institutions may not
investigate discrepancies between names and numbers. In addition, you agree that
we have no responsibility to investigate discrepancies between names and
numbers.
V. JOINT ACCOUNT HOLDER
By using Bank to Bank Transfers, you confirm that, if any of your Accounts is a
joint account, your joint account holder has consented for you to use your
Accounts for the Service. We will end your use of the Service if any joint
account holder notifies us that (i) they never consented to your use of our Bank
to Bank Transfers service, (ii) the joint account can no longer be operated on
your instructions alone, or (iii) they are withdrawing consent for you to
operate the joint account.
W. MEANS OF TRANSFER
You authorize us to select any means we deem suitable to provide your Bank to
Bank Transfer instructions to the applicable financial institution. These
choices include banking channels, electronic networks, and funds transfer
systems. You agree to be bound by the rules and regulations that govern the
applicable funds transfer systems, such as automated clearinghouse (ACH) as
published by the National Automated Clearinghouse Association (NACHA). We shall
make all reasonable efforts to ensure that your transfer requests are processed
on time; however, we reserve the right to hold funds beyond the normal period
and if any interest is earned will be the property of HSBC.
X. OUR LIABILITY
If we do not provide a funds transfer instruction on time, if we cause an
incorrect amount to be removed from an Account or if we cause funds from an
Account to be transferred to any account other than the Account specified in the
applicable funds transfer instruction, we shall be responsible for returning the
improperly transferred funds and/or for directing any misdirected funds to the
proper Account. HSBC is not responsible or liable if your financial
institution’s system fails and we are unable to complete the transfer. Except as
otherwise required by law, HSBC shall in no other event be liable for any losses
and damages other than those arising from gross negligence or willful misconduct
on our part or if we breach a representation or warranty of HSBC hereunder.
You agree that your transfer instructions constitute authorization for us to
complete the transfer. You represent and warrant to us that you have enough
money in the applicable Accounts to make any Bank to Bank Transfer you request
that we make on your behalf through the Service. You understand and agree that
we are not liable under any circumstances for any losses or damages if, through
no fault of ours, you do not have enough money to make the Bank to Bank Transfer
and the Bank to Bank Transfer is not completed or is later reversed or if your
financial institution does not permit the transfer or the Bank to Bank Transfer
would exceed the credit limit on any applicable overdraft line.
You also understand and agree that we are not responsible for any losses or
damages if circumstances beyond our control (such as fire or flood) prevent us
from making a Bank to Bank Transfer or if the HSBC website was not working
properly and you knew about the breakdown when you started the Bank to Bank
Transfer.
Y. YOUR RIGHT TO CANCEL A BANK TO BANK TRANSFER
You can cancel or stop a single Bank to Bank Transfer any time before the debit
transaction is sent to the Federal Reserve Bank through the Bank to Bank
Transfers service in Personal Internet Banking. If the transfer is a recurring
transfer set up on the Bank to Bank Transfers service, then you can cancel that
Transfer through the use of Bank to Bank Transfers in Personal Internet Banking
as long as the request is received before the Process Date of the next recurring
transfer. Once a recurring transfer is cancelled, all future transfers will be
cancelled and you must reschedule it if you want transfers to be made in the
future.
Z. LIMITATION OF WARRANTY AND LIABILITY
YOU UNDERSTAND AND AGREE THAT OUR BANK TO BANK TRANSFERS SERVICE IS PROVIDED
“AS-IS.” EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW,
WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR
FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU
UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE BANK TO BANK TRANSFERS SERVICE IS
AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE
OBTAINED THROUGH THE USE OF THE BANK TO BANK TRANSFERS SERVICE IS DOWNLOADED OR
OBTAINED AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE
FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR
LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL
AND/OR DATA.
EXCEPT AS EXPRESSLY SET FORTH ON THE HSBC WEBSITE OR IN THIS AGREEMENT, WE
DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT
LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR
NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS, AND WE MAKE NO
WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE
USE OF THE BANK TO BANK TRANSFERS SERVICE, THE ACCURACY OR RELIABILITY OF ANY
INFORMATION OBTAINED THROUGH THE BANK TO BANK TRANSFERS SERVICE, THE ACCURACY OF
ANY INFORMATION RETRIEVED BY US FROM THE ACCOUNTS OR THAT THE BANK TO BANK
TRANSFERS SERVICE WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY,
SECURE OR ERROR FREE.
EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY DIRECT,
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND
RESULTING FROM THE USE OF OR THE INABILITY TO USE THE BANK TO BANK TRANSFERS
SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT RETRIEVED BY US FROM THE
ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS
ENTERED INTO BASED ON THE BANK TO BANK TRANSFERS SERVICE, ANY LOSS OF,
UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR
THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT
LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF
WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
AA. INDEMNIFICATION
You agree to indemnify, defend and hold harmless HSBC, its service provider, its
affiliates, partners, officers, directors, employees, consultants, service
providers and agents from any and all third party claims, liability, damages
and/or costs (including, but not limited to, attorneys’ fees) arising from your
use of the Bank to Bank Transfers service, our reliance on the information,
instruction, license and/or authorization provided by you under or pursuant to
this Agreement, your violation of the Terms or your infringement, or
infringement by any other user of your Accounts, of any intellectual property or
other right of any person or entity.
AB. MISCELLANEOUS
You understand and agree that our service provider is not a bank, a
broker-dealer firm, or any other kind of financial institution. You represent
and warrant that you are who you claim to be; that you are the rightful owner of
all Content and the Accounts linked for the purposes of the Bank to Bank
Transfers; and that you are rightfully authorizing us to access the Accounts.
You agree that our rights and remedies arising out of any breach of your
representations and warranties in this Agreement, the limitations on our
liability and our rights to indemnification under this Agreement are continuing
and shall survive the termination of this Agreement, notwithstanding the lack of
any specific reference to such survivability in these provisions. HSBC’s failure
to enforce the strict performance of any provision of this Agreement will not
constitute a waiver of HSBC’s right to subsequently enforce such provision or
any other provisions of this Agreement.
The most current version of this Agreement as it appears on our website,
including any amendments that we may make from time to time, constitutes the
entire agreement between us, and supersedes and replaces all other agreements or
understandings, whether written or oral, regarding the Bank to Bank Transfers
service. This Agreement may be amended, or any of HSBC’s rights waived, only if
HSBC agrees in writing to such changes, or you continue using the Bank to Bank
Transfers service following receipt of notice of any changes proposed by HSBC.
All notices to you shall be in writing and shall be made either by email,
conventional mail or messages delivered through the Services, at HSBC’s
discretion. All notices to HSBC must be made in writing and sent to HSBC by
registered or certified mail.
HSBC Bank USA, N.A.
P.O. Box 9
Buffalo, NY 14240
This Service and these Terms are personal to you and may not be assigned to
anyone by you.
If either of us has any dispute or disagreement with the other regarding this
Service that we cannot resolve amicably, both parties agree that the sole and
exclusive remedy shall be binding arbitration in accordance with the
then-current rules and procedures of the American Arbitration Association. This
Service shall be governed by and construed in accordance with the laws of the
State of New York, without giving effect to its conflict of law’s provisions or
your actual state or country of residence. If for any reason a court of
competent jurisdiction finds any provision or portion of the Terms to be
unenforceable, the remainder of the Terms will continue in full force and
effect.
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(Rev 06/2022)
OTHER TERMS AND CONDITIONS
* SMS Terms of Service
* Mobile Banking Terms and Conditions
1 All HSBC Personal Internet Banking clients with an HSBC personal checking,
savings, Certificate of Deposit (CD) or credit card account are automatically
covered. HSBC's $0 Liability, Online Guarantee is applicable to client
transactions covered by Federal Regulation E. The guarantee does not cover
business and commercial accounts, accounts at other financial institutions, or
accounts that are not covered under Regulation E. The $0 Liability, Online
Guarantee assumes notice of fraudulent activity on eligible accounts is provided
to HSBC within 60 days, and timely notice on card accounts. Assumes client
follows account safeguarding, personal firewalls and online security diligence
practices outlined in HSBC's Security & Fraud Center.
2 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is
not responsible for these charges.
3 Form 1099–INT is a statement reporting to the IRS interest income you received
on checking, savings and investment accounts. HSBC Personal Internet Banking
customers will not receive Form 1099–INT in the mail unless specifically
requested through a secure BankMail within Personal Internet Banking. Paper
versions of Form 1099–INT will continue to be sent by mail for HSBC accounts
that do not qualify for online Forms 1099.
4 Transfer limits may apply only to transfers made online through the Bank to
Bank Transfers service. HSBC reserves the right to apply a lower limit.
5 Under the Bill Pay 'on-time' guarantee, HSBC will bear the responsibility for
any late-payment-related charges should an online bill payment arrive after its
due date as long as you scheduled the transaction in accordance with the HSBC
Personal Internet Banking Terms and Conditions. This guarantee does not apply to
business clients using Bill Pay.
6 Canceled checks will be retained for six years. Canceled checks will be
retained for seven years for Washington state residents. A reconstruction fee
may apply if you request a total checking reconstruction (copies of all checks
and/or statements) for one or more checking statements. Check images are
available for 365 days from the day the check posts to the account. Additional
restrictions may apply.
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 may apply. HSBC Mobile
Banking App is available for iPhone®, iPad®, AndroidTM devices and must be
downloaded from the App StoreSM or Google PlayTM.
iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other
countries.
Android and Google Play are trademarks of Google LLC.
App Store is a service mark of Apple Inc.
RTP® is a registered service mark of The Clearing House Payments Company LLC.
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