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 - Up to $3,000 - | |
Benefits and Features | ||
| Savings | Premier Relationship Savings: 3.00% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY) | |
| CD | 3.65% to 3.85% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 3.80%. 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 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 07/11/2026. HSBC: Data points including rates, fees, terms, and benefits was obtained on 08/26/2026 from published websites and is believed to be accurate, but not guaranteed. | ||
HSBC Premier - Up to $3,000
- Get $1,000: Deposit or invest $50,000 to $99,999
- Get $1,500: Deposit or invest $100,000 to $249,999
- Get $2,000: Deposit or invest $250,000 to $499,999
- Get $3,000: Deposit or invest $500,000+
The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).
How the offer works
- Open a Premier checking account by December 31, 2026
- Add your preferred amount of deposits and/or eligible investments within 30 days
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Your partner for every stage of life HSBC offers a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.
- Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
- Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
- Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
- International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
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 CIT Bank.
Articles on First Citizens Bank
First Citizens Bank Review
