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 and reviews.
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| Learn More | Visit Site | |
First Citizens Bank | HSBC Bank | |
|---|---|---|
Online Savings - | HSBC Premier - Earn Up to $7,000 - | |
Benefits and Features | ||
| Savings | Premier Relationship Savings: 3.20% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY) | |
| CD | 3.15% to 3.50% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 3.35%. 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 Service | Monday to Friday: 8:00AM - 9:00PM (ET) Saturday and Sunday: 8:00AM - 8:00 PM (ET) | |
| Locations | 21 branches in the US; Global presence in more than 64 countries and territories worldwide | |
CreditDonkey® Reviews | ||
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| Savings |   | |
| Checking | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Full-service bank with waivable fees and low APYs... | |
| Learn More | Visit 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 02/20/2026. HSBC: Data points including rates, fees, terms, and benefits was obtained on 02/26/2026 from published websites and is believed to be accurate, but not guaranteed. | ||
HSBC Premier - Earn Up to $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
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 Wells Fargo.
Articles on First Citizens Bank
First Citizens Bank Review
