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First Citizens Bank vs HSBC Bank

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to HSBC? Read our comparison chart below.

First Citizens Bank is a full-service bank with over 500 branches in 23 states. It offers a basic Free Checking account with just $50 deposit. Plus, it has premium checking options, savings, loans, credit cards, and business accounts.

While HSBC is a large multi-national bank that focuses on banking and wealth management services for international high net worth clients. With a global presence in over 64 countries, clients will access privileges around the world.

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

 
Member FDIC
HSBC Bank
Member FDIC
 Learn MoreVisit Site
 

First Citizens Bank

HSBC Bank

SPECIAL OFFER
Free Checking - Learn More

Read First Citizens Bank Review

SPECIAL OFFER
HSBC Premier - Earn Up to $2,500 - Learn More

Read HSBC Review

 

Benefits and Features

Savings Premier Relationship Savings: 4.40% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)
CD 4.00% to 4.80% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 4.80%. Minimum deposit of $1,000 to open.
Checking Premier Checking to enjoy premium banking with both local and global benefits
ATMs Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
Customer ServiceMonday to Sunday 7:00AM - 11:00PM (ET)
24/7
Locations
537 branches
21 branches in the US; Global presence in more than 64 countries and territories worldwide
 

CreditDonkey® Reviews

 HSBC Bank
SavingsStarEmpty StarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • Low opening deposit on some accounts
  • Monthly fees can be waived
  • Overdraft protection available
Cons:
  • Low APYs
  • Only available in 23 states
Pros:
  • Global presence
  • Transfer money globally
  • Priority customer service
Cons:
  • Limited US presence
  • High account minimums
Bottom LineFull-service bank with waivable fees and low APYs... Read full reviewFull-service global bank ideal for high net worth expats and travelers... 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.

First Citizens Bank: Pricing information from published website as of 05/22/2024.

HSBC: Data points including rates, fees, terms, and benefits was obtained on 06/15/2024 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: First Citizens Bank 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 First Citizens Bank or Chase.


Articles on First Citizens Bank

First Citizens Bank Review

First Citizens Bank offers many account options with low opening deposits and fees. But there are downsides. Find out if First Citizens is a good bank for you.

First Citizens Bank Problems

First Citizens Bank provides affordable banking with fee-free checking and savings options. However, they may not be available for you.

Articles on HSBC Bank

HSBC Bank

HSBC Bank offers a global banking account ideal for those who live and work overseas. Is it right for your needs? Read on for the pros and cons.

HSBC Premier Checking

If you work, live, or travel abroad, the HSBC Premier Checking account may be what you need. Read on to see if this global checking account is right for you.

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