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.

	First Citizens Bank	HSBC Bank
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Online Savings - Learn More Read First Citizens Bank Review
	Benefits and Features
Savings		Premier Relationship Savings: 3.30% 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)	24/7
Locations	over 600 branches in 22 states	21 branches in the US; Global presence in more than 64 countries and territories worldwide
	CreditDonkey® Reviews

Savings
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Low opening deposit on some accounts Monthly fees can be waived Overdraft protection available Cons: Low APYs Only available in 23 states
Bottom Line	Full-service bank with waivable fees and low APYs... Read full review
	Learn More	Visit Site
	Online Savings Savings Account - $25 Bonus Premier Checking
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 11/19/2025. HSBC: Data points including rates, fees, terms, and benefits was obtained on 01/08/2026 from published websites and is believed to be accurate, but not guaranteed.

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

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.