With more than 460 branch locations and 4 million customers, HSBC Bank USA has locations in 11 states and the District of Columbia, but the majority of its retail banking centers are scattered throughout New York State. The bank’s history goes back to 1850 when Marine Midland, a Buffalo-based bank, was founded. HSBC acquired half of the bank in 1980 and eventually took full control in 1987. It has operated under the name HSBC Bank USA since 1999.

Headquartered in New York City, HSBC Bank USA provides its members with a number of personal banking services.

Personal banking with HSBC Bank USA includes

  • Checking.
  • Savings.
  • Home loans.
  • Credit cards.
  • Insurance.
  • Investments and wealth management.
  • Online banking.

HSBC credit cards

HSBC Bank USA offers six types of personal credit cards, five of which deliver cash-back percentages or redeemable point awards incentives for users.

Savings and checking account options

Like many other banks, HSBC Bank USA offers a range of account types for members. All of HSBC Bank’s account types include free online banking capabilities. Depending on a customer’s balance amount, direct deposits and other factors, some of these checking and savings accounts include monthly maintenance fees.

Additional consumer-related knowledge

HSBC Bank USA’s official website states that its members have access to more than 395,000 ATM locations throughout the country. However, the number of HSBC-owned and operated locations that do not incur any additional ATM-usage fees is unclear. Bankrate’s Safe & Sound rates banks on a five-point scale that gauges a bank’s strength based on measurements of four key areas: capital adequacy, asset quality, profitability and liquidity. You can check HSBC’s rating on Bankrate.com.

A member of the FDIC, the HSBC Bank USA headquarters are located here:


452 5th Ave.

New York, NY 10018

The toll-free customer service number is (800) 975-4722.

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