3.00% APY* Online Savings Account

You love fat money. We love helping you make it.

We're offering one of the highest savings rates in the country - 7x the national statement savings average.± The faster you open an account, the fatter your money will get.

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No fees^§§. No Minimums.* FDIC Insured.^†

Forbes ranked HSBC number one in their annual Global 2000 ranking issued on April 21, 2008.

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* Annual Percentage Yield (APY) is accurate as of 11/20/2008. APY is variable and subject to change. Minimum deposit to open in $1.00.
No regular monthly or transaction fees. Other account-related charges may apply (e.g., NSF, stop payment order, and returned item fees).

± National Statement Savings Average located at www.bankrate.com/brm/publ/passbk.asp?caret=2 in the Passbook/Statement Savings survey results as of 10/15/08 courtesy of Bankrate.com. HSBC Direct Online Savings Account APY is currently 7 times the national statement savings average APY.

§§ No regular monthly or transaction fees. Other account-related charges may apply (e.g. NSF, stop payment order, and return item fees).

† HSBC Direct deposit accounts are offered by HSBC Bank USA, N.A. Member FDIC. Deposits are insured to the maximum permitted by law.