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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.

 HSBC Bank
 Learn MoreVisit Site
 

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.
CD0.10% 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
ATMsOver 40,000 no-fee Capital One & Allpoint ATMsAny HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
IRA CD0.10% 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

 HSBC Bank
SavingsStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarStarStarStarStarStarStarStar
Money MarketStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf Star
Pros & ConsPros:
  • 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 LineGood online bank with access to in-person support... Read full reviewLarge full-service global bank... Read full review
 Learn MoreVisit Site

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.

HSBC
Member FDIC

HSBC Premier Checking - $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?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.


Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Articles on HSBC Bank

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?





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