By signing a contract to open any deposit account or by using a Bank product or service, you agree that these Rules, as amended from time to time, shall apply to all your deposit accounts. Once HSBC has investigated your case, it will confirm whether you’re eligible for a payout. Another owner of a joint account or CD tells the Bank in writing not to allow a withdrawal. If you telephone us, we may require you to put your request in writing and get it to us within 14 days after you call. You agree that in executing any Payment Order the Bank may make use of any correspondents, intermediary banks, agents, sub-agents, funds transfer and communications systems that the Bank deems reasonable under the circumstances. Subtract transactions that were authorized based on your available balance at the time you performed the transactions. If a Payment Order identifies an intermediary bank, the beneficiary's bank or the beneficiary by name and an account or other identifying number, the Bank may act solely on the basis of such number unless remittance transfer rules apply. $3,000 for an HSBC Debit Mastercard® and HSBC Advance Debit Mastercard® cards. The RTP System may be used only for eligible Payments between a Sender and Receiver whose accounts are located in the United States. The Service will process requests for transfers on business days. HSBC Advance Account offers a comprehensive package of services, making everyday banking easy while enjoying extra benefits and rewards. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. The Bank decides to require seven (7) days advance written notice and the Bank has not received that notice. This will include documents such as bank statements or proof-of-payment receipts. Federal regulations require the Bank to record your taxpayer identification number (Social Security Number). We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. Cashier's, certified, and teller's checks payable to you. The Bank's funds availability policy does not affect your obligation to repay the Bank for checks that you deposit which are returned unpaid, nor does it limit the Bank's right to charge back your account or to obtain reimbursement for any check that is not finally paid for any reason. A calendar month is defined as the period of duration from the first date of one month to the last date of the same month, and thus can be 28 (29 during a leap year), 30, or 31 days long. Until the Bank receives notice of the death of a tenant, all funds in the account may be treated as the property of each of the tenants in common without any limitation. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person that opens an account. Certificate of Balance/Statement/Cheque Copy/History Report Request Form (PDF, 357KB) OF022: Bank Reference Letter Application Form (For Business Customer) (PDF, 979KB) OF023: Customer Feedback Form (PDF, 2.38MB) OF024: ... You are leaving the HSBC … Your proof of address. Federal Reserve Bank Holidays are not included. © HSBC Bank USA, N.A. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Transactions will be sorted in lowest to highest dollar amount, regardless of the date the transaction was performed. You agree that if you and/or your account become involved in legal proceedings and the Bank receives a legal document or other notice that the Bank believes requires it to supply information on your account, to restrict your account or to pay money from your account, the Bank is authorized to do so regardless of whether you appeared in those proceedings and regardless of whether those proceedings occurred within the jurisdiction where you and/or your account are located. It also describes the actions that we may take should HSBC determine that an account is involved in financial crime activity, or if account information that has been provided to HSBC is inaccurate. If the ransfer 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. If you make a deposit before 10pm ET at any HSBC ATM on a Business Day that the Bank is open, the Bank will consider that day to be the day of your deposit. Subtract all other items in lowest to highest dollar amount. In order to induce the Bank to honor requests for services, including but not limited to those enumerated above, you hereby agree to indemnify and hold the Bank, its successors, assigns, correspondents, directors, officers, employees and agents harmless for all losses, costs, damages, expenses (including attorney's fees) and liability for any claim or demand occasioned by or action brought by virtue of any misconduct, negligence, action or omission on the part of any individual who has been listed as a person authorized to act on your behalf in any document provided by you to the Bank. 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 resubstitution, for you and in your name, place and stead, in any and all capacities, to access the Accounts, effect the Service 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 the Service. The Bank may charge you a fee shown on the Terms and Charges Disclosure. For regular savings accounts, you will get a quarterly statement and a statement for any month in which EFT transactions involving an EFT Service are posted to your account. If you withdraw principal from your CD before the maturity date, you may be charged a penalty shown on your Terms and Charges Disclosure. For online HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. clients who wish to withdraw their consent to the eCommunications Disclosure for their HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. products and services, please refer to the Customer Service Page the HSBC Securities (USA) Inc. or HSBC Insurance Agency (USA) Inc. websites or the "Contact Us" link on the HSBC website to find the appropriate customer service phone number for assistance. The Bank offers a variety of products and services, including checking, savings, money market, certificates of deposit (CDs), and electronic banking services. Monetary Instrument Reports 4. If CPR or Smart Card is under issuance: Undertaking letter signed by customer and proof of address; Proof … Telephone the number or write to the address shown in the BANK DIRECTORY. HSBC may suspend or terminate your ability to send or receive RTP Payments at any time, including in the event HSBC reasonably suspects you have violated these terms or if you and/or your HSBC account become involved in legal proceedings as further set forth in these Rules. Copies of your statement are available by request during this six year period in accordance with the Terms and Charges Disclosure. Internet Banking: The Internet Banking security procedures include encryption, a password and a security device or key that allows the Customer to transfer funds and conduct banking transactions as more specifically described in the Terms and Conditions for Internet Banking and the Security Statement available online at www.us.hsbc.com/1/2/home/personal-banking/pib/pib-tc. The posting of such payments to your consumer deposit account(s) will be reflected in the periodic statements HSBC provides you. "substantial owners" means any individuals entitled to more than 10% of the profits of or with an interest of more than 10% in an entity either directly or indirectly. 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 laws provisions or your actual state or country of residence. Authenticator keys are provided to the Customer by the Bank. Your Internet service provider may charge fees. In addition you can withdraw interest credited, during the current term or at maturity, on CDs in person, by mail or through other electronic facilities. Your account may be debited on the day an item is presented, or at such earlier time as notification is received by the Bank by electronic or other means, that an item drawn on your account has been deposited for collection in another financial institution. A computer initiated bill payment is not an EFT transaction where the bill payment service expressly provides that payment will be made to all or particular payees with a written instrument drawn on your account and all payees that will be paid in this manner are identified to you. This change will allow our customers to make unlimited transfers and withdrawals from savings accounts with no risk of account closure or account conversion until further notice. By submitting instructions for your initial balance transfer to HSBC Bank USA, National Association (“HSBC”), you authorize HSBC to conduct an electronic balance transfer (the “Service”) using “our service provider” to debit the funding bank account indicated on the online account opening application (“Account”) on the terms set forth in this agreement (“Agreement”). Even if only one depositor puts in all the money or puts in more than the other(s), all money on deposit will be owned jointly. The account or CD is pledged as collateral. This means you must (1) close any such online-only accounts to withdraw such consent as required by the terms of your accounts; (2) terminate any such online-only products to withdraw such consent as required by the terms of your products; or (3) cancel any pending transactions and terminate the online-only services to as required by the terms of your services. In case of errors or questions about your EFT transactions: Within the U.S. 800-462-1874 (Toll Free) Outside the U.S. 716-841-4880 (Collect). You acknowledge you are solely responsible for understanding and complying with your tax obligations (including but not limited to, tax payment or filing of returns or other required documentation relating to the payment of all relevant taxes) in all jurisdictions in which those obligations arise and relating to the opening and use of account(s) and/or Services provided by HSBC and/or members of the HSBC Group. There may be other exceptions stated in our agreements with you. We will not be liable, for instance: For any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding our procedures to avoid such error. Telephoning is the best way of keeping your possible losses down. A notice from you will be considered received when received at the Bank's Customer Service Department and will take effect following the expiration of any notice period that may be specified in the Deposit Account Agreement. Federal regulations require the Bank to disclose certain transactions involving your account. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc. If CPR/Smart Card is under issuance: Undertaking letter signed by customer and proof of address; Proof of address (To whom it may concern letter issued by … The Bank may change the interest rate on deposit accounts, solely at the Bank's discretion, at any time. For other HSBC websites, please access the "Contact HSBC" link to find the appropriate phone numbers. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. Check deposits other than those identified in this disclosure are considered "Other Check Deposits." We encourage you to make sure your accounts remain active so you have full use of your accounts and avoid the potential of having your funds transferred to the state as abandoned property. © HSBC Bank USA, N.A. Your mobile service provider may charge fees including, but not limit to, data charges and roaming charges. You understand that in order to complete the Service, it is necessary for HSBC and our service provider to access the websites and databases of your bank as designated by you and on your behalf, to retrieve information and effect the Service, per your request. Items that must be included in a Proof of Funds Letter include: … They will generally be available no later than the sixth Business Day after the day of your deposit. Upon receipt of your monthly or periodic statement (which may include a record of transactions and images of cancelled items) or advices, you shall exercise reasonable care and promptness in examining the statement or advice. Also, if your monthly statement shows EFT transactions made with your Card or PIN that you did not make (or give someone permission to make for you), tell us AT ONCE. After downloading the software, follow the instructions for installing the program. Find the answers and while you're at it, tell us how we could do better. The funds in the other account would then not be available until the time periods that are described in this disclosure for the type of check you deposited. At any time after the funds in the abandoned account have been turned over to the appropriate state, the depositor (or other person entitled to the funds) may reclaim this money from the state abandoned property administrator. (we or the Bank) have under the Electronic Fund Transfer Act. Communications provided within our websites are provided either in HTML and/or PDF format. By choosing this service that provides image copies of the front and back of cancelled items with your statement, you have instructed the Bank to hold copies of the cancelled items for you in accordance with the applicable terms of service. Unless the Bank receives an order from a court of competent jurisdiction that directs the Bank not to act, the Bank will comply with legal proceedings in any jurisdiction in which the Bank has offices even if the legal proceeding occurs in a jurisdiction where you are not located. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction for any type of account. The Bank will attempt to honor such requests, but will have no liability for failing to do so. Privacy and Security | Terms & Conditions | HSBC Accessibility. Apply in branch or by phone for the HSBC Balance Transfer Credit Card. We may charge fees for paper copies of the Communications. Subtract fees resulting from prior day activities which were not charged on the current day (e.g., Chargeback Fee). If the transaction is not presented as a retry, you may be charged an overdraft fee. Any Terms and Charges Disclosure applicable to your account is also a part of the Agreement. You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your accounts, products or services, through email (if applicable and if you have provided a valid email address), or other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, "Communications"). The Bank offers Certificates of Deposit in various products and for various maturities. The Bank may require you to use the Bank's checks. Dollars. Credit Secure is a complete life insurance solution for insured HSBC cardholders should they pass away, become totally and permanently disabled, or get diagnosed with a covered critical illness*. Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: * Every day is a Calendar Day. No waiver of any term, provision, or condition of this Agreement, whether by conduct or otherwise, in any one or more instances, will be deemed, or shall constitute, a waiver of any other provision hereof, whether or not similar, nor will such waiver constitute a continuing waiver, and no waiver shall be binding unless executed in writing by the party making the waiver. In general, $225 of a deposit is available for withdrawal in cash on the first Business Day after the day of deposit. The Bank can change these Rules or impose other restrictions on your account, as the Bank deems necessary or appropriate, in the course of its business at any time. Except for Automated Telephone Banking, you may use the Card and PIN for EFT transactions only with the accounts you requested be linked to the Card. You deposit checks totaling more than $5,525 on any one day. 4.2. Since some of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure in order to use these services. HSBC and its service provider may validate the Account to be debited 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. To become a customer of HSBC Advance, you must maintain a minimum Total Relationship Balance of PHP100,000 (or its foreign currency equivalent). RTP Payments are irrevocable and cannot be reversed by the Sender. You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. In the past, the Bank has usually permitted CDs to be cashed in before the maturity date, but the Bank reserves the right not to do so in the future. You may use a properly encoded Debit Mastercard® or ATM card (the Card) plus your Personal Identification Number (PIN) at any EFT Facility (e.g., ATM, such as a Bank ATM, point–of–sale terminal or other electronic facility) that accepts the Card OR you may use a Telephone Access Code (TAC), a Card PIN or Voice ID with our Automated Telephone Banking service to do one or more of the following: Some of these services may not be available at all EFT Facilities. $75,000 minimum balance in deposit and/or investment* balances OR recurring direct deposits 2 totaling at least $5,000 per month OR An HSBC …

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