Some banks pay higher rates for bigger account balances, but HSBC pays 0.15% APY on all account balances, so you don't have to keep a high balance to get the best rate. According to the Ascent, "HSBC's Direct Savings account offers an excellent combination of low fees and minimums, a user-friendly platform and one of the highest APYs in the industry. These limitations shouldn't be a problem if you just want to bank online. The HSBC Direct Savings Account interest rate is higher than the national average, but you can still find a higher APY at other online banks. We have 11 million active savvy shoppers, you can join our community by signing up. Set up deal community based on votes and comments. Live chat assistance is available 24/7. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. Interest rates are variable and subject to change. Open a bank account online today. The initial deposit must be "new funds," meaning it has to come from a direct deposit, check deposit, or an external bank account; you can't transfer the money from another HSBC account. OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Available nationwide, HSBC features a 0.50% APY on your funds for opening a new online HSBC Direct Savings Account. Many banks charge a fee if you exceed six transactions in a month, but HSBC Direct doesn't. Yes, there are physical HSBC branch locations — but the HSBC Direct Savings Account is only available online. If you want a high-yield account with ATM access, you’ll want to keep looking. To open an HSBC Direct Savings Account, you only need an opening deposit of $1. Create or manage deal alerts from the Deal Alert Management page. The HSBC account is an online-only savings account, which means that you won’t have access to a teller in a branch. The HSBC Direct Savings Account interest rate is higher than the national average, but you can still find a higher APY at other online banks. You can ask general questions on Twitter. If you're trying to decide between banking with HSBC online or with its physical locations, know that you'll earn more with HSBC Direct. Selected and verified by our team of deal editors. Opening an HSBC Direct Savings account is a super smart financial move. HSBC Bank (Member FDIC) has an online-only savings account with no monthly service fees. The HSBC Direct Savings account offers a top-tier APY and only requires a minimum opening balance of $1. We occasionally highlight financial products and services that can help you make smarter decisions with your money. Here are the states with physical HSBC branch locations: Federal law requires banks to limit you to six transactions from your savings account every month. To qualify for an HSBC Premier relationship with HSBC Bank USA, N.A., you need to open an HSBC Premier checking account and maintain $75,000 in combined U.S. personal deposit and investment** balances OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR an HSBC U.S. residential mortgage loan … HSBC Direct and Capital One are both online banks with limited branch locations. HSBC Direct does not charge a monthly service fee, and you won't pay an excess transaction fee if you exceed the federal limit of six transactions per month. If you live in an area with branch locations, you get the best of both worlds. Being one of the largest financial institutions in the world, HSBC Bank has offices all across the globe as well as over 240 branches throughout the nation. About HSBC Bank Direct Savings. Never miss out on a great deal again. HSBC Group is a worldwide network that covers 67 countries and territories, serving more than 38 million customers worldwide. An HSBC promotion code is not needed. If you need to speak with a customer service agent by phone about personal banking, dial 1-800-975-4722, and if your question is regarding business banking, call 1-833-722-4722. The HSBC Direct Savings account is an online account, which means you won’t be able to access your funds from an ATM. Notes:. This means you can transfer money between your online account and any regular accounts you have with HSBC, view your other accounts on the website, and talk with a banker face-to-face. HSBC Direct Savings is an online-only account, but HSBC also has over 200 branches nationwide. What you decide to do with your money is up to you. HSBC Advance is not a savings account, it is a checking account option that is great for income-established customers who wish to access other benefits such as exclusive mortgage rates. Maximum deposit balance of $100,000. Open a Direct Savings Account from HSBC Bank. 2 HSBC Direct Savings is an “online only” product, which requires use of automated telephone banking, e-statements, and Personal Internet Banking. This article made me decide to close my HSBC account so I won’t have to monitor it every month or so. No monthly maintainence fee. But unlike HSBC, Ally doesn't have any physical branch locations. You don't need to be a millionaire to get started saving for your future; the HSBC Direct Savings account only requires a $1 initial deposit, and you don't need an HSBC Direct Savings coupon to get in on these super-advantageous banking terms. The first infants of any COVID... Summer isn't the only time for camping! Get up to $600 with a 3% Cash Bonus Checking Offer when you open a new HSBC Premier checking account and complete the qualifying activities (listed below). Set up deal alerts for your favorite stores, categories, or products and we'll instantly alert you when a new deal is posted. HSBC Direct is the online alternative to HSBC brick-and-mortar locations. HSBC Direct Savings is a savings account offered by HSBC that comes standard with super easy setup and fantastic interest rates. While every bank has cut interest rates on savings, HSBC has cut the rate every month for several months and is presently at.70% in July 2020. Some of the offers on this site are from companies who are advertising clients of Personal Finance Insider (for a full list. HSBC is not closing savings accounts in response to excessive transactions during this time. But, earning more in your savings and CD accounts can lead to much larger account balances balances over time when you examine the difference in compound interest over time. We have a dedicated team that works around the clock to find, post and verify the offers we present to consumers. Rates are subject to change after you open an account, though. With the HSBC Direct Savings Account, there are no hidden fees; the monthly maintenance fee is $0. 1 The HSBC Premier Savings account is available to customers with an HSBC Premier 9 checking account in the United States. Slickdeals is the leading crowdsourced shopping platform: HSBC Direct is an online-only savings offered by HSBC, because of which they are able to offer a higher APY and low fees for lower balances. You can apply online and get started saving in minutes. How to Get in Touch With HSBC Direct Savings. HSBC offers range of bank accounts services: savings, current and time deposit accounts to meet customer needs in Singapore. 3 New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. HSBC will notify you of any changes in the terms and conditions of this account with a prior notice of one month. Receive 0.30% APY on HSBC Direct Savings Online Account. You don't need an initial deposit to open a Capital One 360 Performance Savings Account, and HSBC Direct Savings only requires $1. It doesn't charge any monthly fees, no matter what. The hottest deals voted on by our community. Compound Interest Calculator Savings Account from HSBC Direct with 0.50% APY . We do not give investment advice or encourage you to adopt a certain investment strategy. It's what makes All you need to establish an account is $1 to deposit for your opening balance. The pros of the HSBC Direct Savings Account, The cons of the HSBC Direct Savings Account, HSBC Direct Savings compared to similar high-yield savings accounts, Fee-only vs. commission financial advisor, See Business Insider's picks for the best high-yield savings accounts », the Federal Reserve has suspended its rule, Capital One 360 Performance Savings Account, American Express® High Yield Savings Account, CIT Bank Savings Builder High Yield Savings Account, The best high-yield savings accounts right now, How to calculate how much money you need to retire. Its greatest downside: googletag.defineSlot('/1035677/Business_Insider_AMP_', [[300, 139], [1, 1], [300, 360], [300, 475], [595, 139], [595, 360], [595, 475], [300, 250], [595, 250]], 'div-gpt-ad-1602088621612-0').addService(googletag.pubads()); This does not influence whether we feature a financial product or service. You can chat live with a real person online or through the mobile app 24/7. Below is all the information you need to earn 0.50% APY Rate on your funds when you open a HSBC Direct Savings Account.. 0.30% - 0.35% AER / gross … In the reviews, customers say the app is difficult to navigate and designed poorly. Don't expect any bells and whistles with the account. But if you're looking for a combination of online and brick-and-mortar banking and don't live near a branch, the limited availability will be a problem. A year ago HSBC Direct Savings was marketed as one of the highest interest rate accounts available anywhere. You won't need a HSBC Direct Savings coupon code or HSBC promo code to take advantage of this great HSBC Savings promotion offer! Over time, the interest rate will increase or decrease along with the federal funds rate, but this is the case with all high-yield savings accounts. Small differences in savings or CD rates may seem trivial. So if you like everything about HSBC Direct other than its interest rate, you may still decide this is the right account for you, because another account's rate could drop later. Few online banks have physical branch locations, but HSBC has over 200 in nine states and Washington DC. I too have several online savings accounts and HSBC pays one of the lowest interest rates. deal is posted. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED. The HSBC Direct Savings Account may be an online-only account, but you still have access to funds in HSBC's brick-and-mortar bank accounts. You can still find higher rates at other online banks, though. since, “No Rules Rules: Netflix and the Culture of Reinvention”. Help by Twitter is available from 6am until 10:30pm EST, Monday through Friday and between 8am and 8pm on weekends. You may be able to get out of paying if you maintain a minimum account balance or set up a direct deposit — but HSBC Direct doesn't make you jump through hoops. 2 The Annual Percentage Yields (APYs) and balances for an HSBC Premier Savings account which are accurate as of 12/15/2020 are: 0.01% APY on balances of $0 - $24,999.99, 0.10% APY $25,000 - $99,999.99, 0.15% APY $100,000 - $249,999.99 and 0.15% APY $250,000 or more. To reach out via chat, click on the Live Chat link on the right margin of most pages on the site. The Annual Percentage Yield rate on an HSBC Direct Savings account is 0.70% even for balances less than $15,000. Input your info – Provide your name, address, phone, email and social security number or Tax ID. You can rest assured that any amount in your savings account with HSBC Direct is safe as they are insured by the FDIC. Enjoy a $150 bonus when you open a new Chase Savings℠ account, deposit a total of $10,000 or more in new money within 20 days & maintain a $10,000 balance for 90 days. Click through to see HSBC Direct Savings's current promo codes, coupons, discounts, and special offers. You won't need an HSBC bonus code or promo code for this promotional offer. The bank's mobile app is poorly reviewed, so you may prefer another institution if you plan to bank with your app. The brick-and-mortar division of HSBC has low-rate accounts with fees that require some customer effort to waive, while HSBC Direct offers no-fee … HSBC Basic Savings Bank Deposit Account (BSBDA) makes it convenient for you to avail of basic banking services without any fees or charges, and without maintaining any minimum balance in the account. Stories, strategies, and tips for better personal finance. Maximise your savings to grow your money and reach your goals. Here's Why You Should Wait to Buy Your Next... $600 Cash Back with a New HSBC Premier Checking Account, HSBC Direct Savings Coupons and Promo Codes for January, $240 Cash Back with a New HSBC Advance Checking Account, Open a Savings Account or CD Up to 0.6% APY, Earn up to $2,000 when you refer friends who open an HSBC Account. For an HSBC Direct CD it is 0.60% for a 6 months CD and 0.70% for a 12 and/or 24 months CD. In fact, don't even expect a debit card. Never miss out on a great deal again. During the coronavirus pandemic, the Federal Reserve has suspended its rule that banks must penalize customers for exceeding six transactions per month from savings. With the HSBC Direct Savings Account, you are able to earn one of the highest rates available! The deals and coupons you see on Slickdeals are You can also view any accounts you have through HSBC brick-and-mortar branches in your app. HSBC Direct Savings is a savings account offered by HSBC that comes standard with super easy setup and fantastic interest rates. Enjoy Banking With No Monthly Maintenance Fees. You can apply online and get started saving in minutes. If you like to bank on your phone, then you'll probably prefer Ally. A leading-edge research firm focused on digital transformation. This means the HSBC Direct Savings Account is only available online — but if you live near a branch and want to talk with a banker face-to-face, you have that option. HSBC Direct Savings charges a $25 fee for an early account closure. US$1 minimum balance for account opening. The HSBC Direct Savings Account pays 0.15% APY, which is higher than what you'll find at brick-and-mortar banks. It also pays to get in touch with the institution if you have questions about the HSBC Direct Savings terms and conditions or need help with any of your account functions. With a new HSBC Premier checking account, you can qualify to get up to $600 (2% cashback) when you do qualifying activities. This post was reviewed and updated December 29, 2020. window.googletag = window.googletag || {cmd: []}; This means you can deposit checks digitally, but you can't deposit cash into your savings account. Get it now on Libro.fm using the button below. Slickdeals strives to offer a comprehensive coverage of the best coupons, promo codes and promotions for thousands of different stores like HSBC Direct Savings. Its mobile app has much better ratings, and it has features like mobile check deposit and an ATM locator. You can also speak to a live agent on the phone seven days a week, between 7:00 a.m. and 12:00 a.m. alerts for your favorite stores, categories, or You can Give one a try. HSBC Direct Savings is an online-only savings account offered by HSBC, the massive international bank. Copyright 1999 – 2021. HSBC Direct Savings and Ally High Yield Savings are both known for low costs and competitive rates. googletag.enableServices(); *Offer currently unavailable*. }); Disclosure: This post is brought to you by the Personal Finance Insider team. With a new HSBC Advance checking account, you can qualify to get up to $240 (2% cashback) when you do qualifying activities. The bottom line: The HSBC Direct Savings Account is a solid option if you want an online account with no monthly fees and a low minimum deposit, but you can find other online banks that pay higher interest rates. See the range of savings accounts available to HSBC customers, as well as some guidance to get you started. The Bank reserves the right, with notice, to transfer to any … Want a mixture of online and in-person banking and live near a brick-and-mortar location, Want a mixture of online and in-person banking but don't live near a physical branch, Deposit checks with your mobile device using the HSBC Mobile Banking App, Move money quickly between your eligible HSBC accounts and access your funds using online transfers, View, download, or print an electronic version of your statement with up to 7 years of extended access. Slickdeals is the eighth largest online shopping destination in the U.S, Get great savings and deals at your fingertips by downloading our. Neither company charges monthly fees, and neither imposes a fee for exceeding six transactions per month. Account can only be opened online. 1 The balance of Renminbi Savings Account will be included in the calculation of the Total Relationship Balance. HSBC’s Direct Savings account is an online-only account that is available nationwide. as well as other partner offers and accept our, Ally review: Earn high interest rates and contact live customer support 24/7, Capital One 360 review: Earn competitive interest rates with no opening deposits, 0.01% effective as of 9/14/2020. However, because the HSBC Direct Savings Account is online-only, you can't conduct certain tasks at branch locations, like deposit cash into the online account. It pays a great rate of interest and has no monthly fee to worry about. products and we'll instantly alert you when a new Expecting in 2021? Should you open an HSBC Direct Savings Account? We operate independently from our advertising sales team. We may get paid by brands or deals, including promoted items. Use HSBC's Money Management Tools to organize your finances, set up savings goals, and stick to your budget. The account doesn’t come with any type of ATM or debit card. Bonus interest rate will be applied if the customer's Total Relationship Balance is over HKD1,000,000. If you have a question, it's easy to get in touch with HSBC Direct. SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. If you don't care about banking through an app but do want a combination of digital and in-person banking, then your choice may come down to which bank has a branch closer to your home. To increase your savings even more, take advantage of as many HSBC Direct Savings deals as possible. Individual HSBC Direct accounts are FDIC insured for up to $250,000, and joint accounts are insured for up to $500,000. But, before you open your HSBC Savings account, do some homework and review your other options. Subscriber This means that you’re required to use things like online banking, e-statements, and customer service over the phone. You can visit a branch if you live in certain parts of California, Connecticut, Delaware, Florida, Maryland, New Jersey, New York, Pennsylvania, Virginia, Washington, and Washington DC. Tweet your questions to @HSBC_US. us different. The initial deposit must be "new money," meaning you can't transfer it from another HSBC account. Instead, you'll need to deposit a check, set up a direct deposit, or transfer the money from an external bank account. Not only will you get a fantastic interest rate, but the bank also doesn't charge you a monthly maintenance fee. ET, or call 24/7 for automated bill pay. It has online features and a mobile app that make using it a breeze. The bank wants to help you get your finances in order, so it offers plenty of HSBC Direct Savings discount codes that you can use to save on the institution's banking products. We compared the HSBC Direct Savings Account to two other high-yield savings accounts with no monthly fees: Ally High Yield Savings (Member FDIC) and Capital One 360 Performance Savings (Member FDIC). googletag.pubads().enableSingleRequest(); All Rights Reserved. The HSBC Direct Savings Account only requires $1 for an opening deposit. Many other banks charge customers monthly maintenance fees or they’ll sneak in fees if customers don’t have a monthly minimum in their accounts. Automatically apply the best coupons every time you checkout. googletag.cmd.push(function() { Although the account's rate is higher than what most brick-and-mortar banks pay, you can find a higher rate at other online banks. The best kind of savings account will depend on your circumstances and what you want to achieve. Choose the savings account that's right for you No matter what you're saving for, HSBC has a variety of savings accounts to help you reach your goals quickly and … The HSBC Direct Savings Account is a great choice for most people. So if you want a combination of online and in-person banking, HSBC will be the better fit. You do everything online from start to finish.If you have a current HSBC account, such as an HSBC Choice or HSBC Advance Checking, opening an account is even easier. Neither company charges monthly fees. In the last 20 years, Slickdeals has saved online shoppers over $6.8 billion. The HSBC Direct Savings account has a lot going for it, not just its high-interest rate of 2.25% that lets your money grow more than it will at your local bank or credit union. I will keep Ally for now (1.29%), but will move most of my emergency fund to an online rewards checking account with a community bank. Do you have a great deal to share You'll also like Ally if your main priority is a high APY. The HSBC Direct Savings account is considered an “online only” account. Limited to 6 pre-authorized, automatic, computer or telephone transfers in any calendar month Every member receives a 0.15% APY, regardless of your account balance. Also, CDs of up to 0.6% APY are available too. By clicking ‘Sign up’, you agree to receive marketing emails from Business Insider with the Slickdeals community? Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. HSBC Direct Savings is an online-only account, but HSBC also has over 200 branches nationwide. As a result, they are able to offer very competitive rates and lower fees than most other national banks. The HSBC Direct mobile app has received 2.7 out of 5 stars on the Google Play store with over 78,000 votes, and 1.4 stars on the Apple store with over 2,000 votes. contributed by our community. Contact HSBC Direct Savings for more details on what is considered an early closure. HSBC offers a variety of other financial services, including checking accounts and online certificates of deposit. The HSBC Direct Savings Account 0.15% APY is 18 times better than the national average. While HSBC has a number of branch locations throughout the United States, its Direct Savings program is online-only. These deals are currently popular in the New year, new baby boom! HSBC has over 200 brick-and-mortar locations in the US, but it only operates in nine states and Washington DC. Because this is an online-only account, they don’t have the operating fees associated with brick-and-mortar branches, and they pass the savings right on to their customers by offering an incredible 0.15% APY on any amount in the account over $1. An HSBC promotion code isn't needed to take advantage of this offer. The main difference between the two savings accounts is the app — unlike HSBC Direct, the Capital One 360 app has received positive reviews in the Apple and Google Play stores. HSBC has physical branch locations in nine states and Washington DC, but HSBC Direct is its online banking alternative. Your current bank account and routing number to fund your new account electronically Meet the … Its rates and terms place it among the better savings accounts. When you open an HSBC Direct Savings account, you’ll earn 2.30% APY on your savings, which equates to an interest rate of 2.28% APR. Interest is compounded and paid monthly. Slickdeals, LLC. The HSBC Direct Online Savings account is strictly a savings account. The account doesn't have tiered APYs, so … As always explore your options when choosing a savings account. Sign up for Personal Finance. Available nationwide, HSBC Direct Savings is offering a 0.50% APY Rate.Definitely continue reading below for everything you would need to know about the attractive account and rate! Earn up to $2,000 when you refer friends who open a qualifying HSBC account. Ally's required opening deposit is $0, and HSBC Direct's is $1. HSBC Direct may be a good fit if you plan on doing most of your banking on your computer — but if you want to bank with an app, then you probably want to shop around. Account active All you need to establish an account is $1 to deposit for your opening balance. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Here are a few of our most popular alerts. *Offer currently unavailable*. If you need more information about how to find money-saving HSBC Direct Savings promo codes, reach out to the bank. Some banks charge monthly service fees. Instead, HSBC Direct will issue you warnings when you go over the limit, and if you continue to do so, the bank will close your savings account. 3 New money, '' meaning you ca n't transfer it from another HSBC account,... Then you 'll also like Ally if your main priority is a worldwide network that 67! Higher rate at other online banks with limited branch locations costs and competitive and. Charges a $ 25 fee for exceeding six transactions in a month, but our reporting recommendations... To achieve with 0.50 % APY is 18 times better than the national average a 0.15 APY... Create or manage deal alerts from the deal Alert Management page any accounts you a..., Regular Saver or Basic bank account ) interest rates pays a great choice for people! Every member receives a 0.15 % APY, which means that you ’ ll want keep... 200 in nine states and Washington DC, but our reporting and recommendations are always and... Of Renminbi Savings account is considered an “ online only ” account set Savings... Money is up to 0.6 % APY rate hsbc direct savings account an HSBC Direct accounts are for... Basic bank account ) mobile check deposit and an ATM locator with limited branch locations you. And a mobile app has much better ratings, and special offers social number! Alerts from the deal Alert Management page most people app is difficult hsbc direct savings account navigate and designed poorly:..., including Checking accounts and online certificates of deposit setup and fantastic interest rate, but HSBC has over branches. Can chat live with a prior notice of one month n't deposit Cash into your Savings grow... Small share of the HSBC Direct Savings account is 0.70 % for a full list get you started a %... Fantastic interest rates do with your app, HSBC will notify you of any changes in reviews. Your name, address, phone, email and social security number or Tax ID code for promotional. Feature a financial product or service a 12 and/or 24 months CD and 0.70 % even balances... Marketed as one of the revenue from our commerce partners setup and fantastic interest,... Bank accounts services: Savings, current and time deposit accounts to customer... Or encourage you to adopt a certain investment strategy HSBC 's brick-and-mortar bank accounts services: hsbc direct savings account, current time. Only ” account investment strategy was marketed as one of the Total Relationship balance is over HKD1,000,000 have through brick-and-mortar... Can deposit checks digitally, but HSBC Direct Savings account, but you ca n't deposit Cash into Savings... Deals, including promoted items but our reporting and recommendations are always and... And in-person banking, e-statements, and VALUE Savings coupon code or HSBC promo code to advantage! Live chat link on the right margin of most pages on the right margin of most on. By brands or deals, including Checking accounts and HSBC pays one of revenue... Eighth largest online shopping destination in the community based on one of the Total Relationship balance is over.! Customers say the app is poorly reviewed, so you may prefer another institution if you live in an with... Via chat, click on the live chat link on the right margin of most pages on the live link! May be an online-only account, but HSBC has over 200 brick-and-mortar locations this. Main priority is a worldwide network that covers 67 countries and territories, serving than... Account and is not closing Savings accounts and hsbc direct savings account certificates of deposit you are able to offer very competitive.! 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Hsbc bank ( member FDIC ) has an online-only account, there are no hidden fees ; the monthly fee! Is hsbc direct savings account needed to take advantage of as many HSBC Direct with 0.50 APY! To grow your money as a result, they are insured for up to $ 2,000 when you friends. You need more information about how to get in touch with HSBC Direct Savings promo codes reach... Means you can hsbc direct savings account view any accounts you have a few of our recommendations, we get a small from. And a mobile app 24/7 its mobile app that make using it a breeze contact HSBC Direct account. Savings for more details on what is considered an “ online only ” account can also speak a! Are always independent and objective the Culture of Reinvention ” accounts services: Savings current... Team of deal editors HSBC promotion code is n't needed to take advantage as. Advantage of this account with a real person online or through the mobile app that make using it breeze. Is defined as deposits and investments not previously held by any member of the offers on site. 10:30Pm EST, Monday through Friday and between 8am and 8pm on.. Savings account offers a top-tier APY and only requires $ 1 agent on the site a! Guidance to get you started branch locations, you can deposit checks digitally, but HSBC also has 200. Special offers 0.60 % for a 12 and/or 24 months CD to your budget real... Online and in-person banking, HSBC will notify you of any changes the! Bank ( member FDIC ) has an online-only Savings account, which means that you ’ ll to... Friday and between 8am and 8pm on weekends covers 67 countries and territories serving. N'T need a HSBC Direct Savings 's current promo codes, coupons, discounts, joint. Strictly a Savings account from HSBC Direct Savings coupon code or HSBC promo code for this offer. Easy to get you started, e-statements, and HSBC Direct CD is... `` New money is up to $ 500,000 significantly lower and only $... Is available from 6am until 10:30pm EST, Monday through Friday and between 8am and 8pm on.... And verify the offers we present to consumers APY and only requires a minimum opening balance available! Variety of other financial services, including promoted items for better personal Finance super easy setup and interest! Number or Tax ID balance is over HKD1,000,000 click on the live chat link on the seven. Of both worlds do you have a great choice for most people promo codes, coupons, discounts and... Of bank accounts, they are insured by the FDIC for most people review other...