Capital One vs HSBC Bank

Capital One is a good online bank with access to in-person support. How does it compare to HSBC? Read our comparison chart below.

Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

While HSBC is a large multi-national bank and offers several checking accounts for different needs. HSBC Direct is the online banking operation and offers high interest savings for just $1 minimum deposit with no service fees.

Compare Capital One with HSBC, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Capital One	HSBC Bank


	SPECIAL OFFER Personal Checking Account - $100 Bonus - Learn More Read Capital One Review	SPECIAL OFFER HSBC $450 Premier Checking Bonus - Learn More Read HSBC Review
	Benefits and Features
Savings	0.40% APY	HSBC Direct Savings: 0.15% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.
CD	0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%	0.20% to 0.30% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.30%. Minimum deposit of $1,000 to open.
Checking	0.10% APY	Basic Banking: no minimum requirements; $1 monthly service fee Choice Checking: $15 monthly service fee waived if you set up direct deposit OR maintain a minimum monthly balance of $1,500 Advance Checking: $25 monthly service fee waived if you maintain a minimum monthly balance of $5,000 in combined HSBC deposit and investment accounts. Premier Checking: $50 monthly service fee waived if you maintain a minimum monthly balance of $75,000 in combined HSBC deposit and investment accounts.
Customer Service	Mon-Sun: 8am - 11pm (ET)	24/7
ATMs	Over 40,000 no-fee Capital One & Allpoint ATMs	Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
IRA CD	0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.
Locations	Online Only	HSBC - 240+ branches, mostly on the West and East coasts HSBC Direct - online only
	CreditDonkey® Reviews

Savings
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks	Pros: Global presence High online savings APY Cons: Not in every state
Bottom Line	Good online bank with access to in-person support... Read full review	Large full-service global bank... Read full review

	Personal Checking Account - $100 Bonus 360 Performance Savings - 0.40% APY Basic Business Checking	HSBC $450 Premier Checking Bonus HSBC Direct Savings - 0.15% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 11/26/2021. HSBC: Data points including rates, fees, terms, and benefits was obtained on December 20, 2020 from published websites and is believed to be accurate, but not guaranteed.

Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

Get $450 Welcome Deposit

Expires 1/5/2022

Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
Open your new HSBC Premier checking account online by January 5, 2022; and
Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Which is Better: Capital One or HSBC?

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HSBC Bank Review

HSBC Bank offers a full array of services for different needs, including a high-yield online savings and several checking options. But there are downsides. Read on for the pros and cons.

HSBC Direct Savings

Are you tired of abysmal interest rates on your savings accounts? Maybe you've even abandoned the thought of a savings account because it just doesn't seem worth it anymore.

HSBC Premier Checking Bonus

HSBC Premier Checking is offering $450 cash bonus . Find out how to qualify for this promotion.

HSBC Advance Checking

Are you tired of not earning interest on your checking account? Maybe you want more than just check writing privileges in exchange for depositing your money. HSBC Advance Checking may make you look at banks in a different light.

HSBC Premier Checking

Are you looking for a checking account that does more than allow you to write checks? If you are a high net worth individual, the HSBC Premier Checking account may be what you need. This top-of-the-line checking account offers access to a personal Relationship Manager.

Which Do You Think is Best?

Capital One vs HSBC Bank

Capital One

HSBC Bank

Benefits and Features

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