Effective Date: January, 2023.
The HSBC Mobile Banking Terms and Conditions (“Terms and Conditions”) govern your use of Mobile Banking provided by HSBC Bank USA, N.A. or any of its subsidiaries or affiliates that hold a Linked Account or provide services (“HSBC”). HSBC may also be referred to as “we,” “us” or “our”. When we use the term “App”, we mean an application that runs on a mobile operating system, for example, Apple iOS, BlackBerry OS, and Android. By using Mobile Banking, you agree to these Terms and Conditions as well as the Personal Internet Banking Terms and Conditions.You may print this document for your files or you can request a copy by mail by calling Customer Service at 1-800-975-HSBC (1-800-975-4722). Representatives are available Monday - Sunday 7:00am - 12:00am ET. Or you can write to: HSBC Bank USA, N.A., P.O. Box 2013, Buffalo, NY 14240.
Unless indicated otherwise by the context, “linked HSBC accounts” or “linked accounts” refers to all of your accounts with HSBC or its affiliates that you have linked to Personal Internet Banking
References to the “HSBC Group” or “HSBC Group Member” are references to HSBC Holdings plc, its subsidiaries and affiliated companies. References to “you,” “your” and “yours” are references to the person(s) downloading the App used for accessing banking functions of any HSBC Group banking entity.
The App is not intended for use by minors.
You agree that you have the authority to accept this Terms and Conditions and download the App on behalf of an HSBC customer who has access to this mobile device.
You should also read our HSBC Accessibility, Privacy and Security information, which can be found at our website, us.hsbc.com, and under "Disclosures" within the App.
Your use of this App will enable you to:
a.Use your mobile device’s actual location while using the Wealth Centerlocator service which does not require that you be a customer of HSBC.
b.Access your eligible account(s) through the Mobile Banking App by registering for online account access.
Certain services, including the HSBC ATM/Wealth Center locator, use information about your physical location sent from your mobile device (e.g. GPS signals).
- You will be asked to consent to the use of location services when you download the App, or, for iOS devices, the first time you use the HSBC ATM/Wealth Center locator tool.
- You may withdraw this consent at any time by turning off the location services settings on your mobile device.
- Access to Google Maps/Google Earth APIs through the App is subject to separate Google terms and conditions available at:
Map Terms – http://www.google.com/help/terms_maps.html
Legal Notices – http://www.google.com/help/legalnotices_maps.html
All products or services provided to you by any HSBC Group Member shall only be available in the jurisdiction(s) within which the member providing the product or service is authorized to operate. Deposit products are offered by HSBC Bank USA, N.A. Member FDIC. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A.
Mobile Banking is an extension of Personal Internet Banking and customers can use the same log on credentials to access Personal Internet Banking and Mobile Banking. Customers can enroll in the service and create log on credentials through Personal Internet Banking on their browser or through the Mobile Banking App.
Some features and services available through Personal Internet Banking are not available through the Mobile Banking App. To access these features on your mobile device, you may launch Personal Internet Banking from your mobile browser.
You agree that you will not install software onto your mobile device that you are not familiar with or have not read the Terms and Conditions for that software.
If you choose to activate the feature that allows you to use your biometric data (for example, fingerprint or facial print) to log onto HSBC Mobile Banking (for supported devices only), you must not allow anyone else's biometric data to access your mobile device. If you do allow anyone else's biometric data to be stored in your mobile device, those persons will have access to your HSBC Mobile Banking and you will be responsible for any money withdrawn or transferred from your accounts when such person uses their stored biometric data.
You agree to log off of Mobile Banking at the completion of your online session.
In the event that your mobile device is lost or stolen and you believe you were not logged off and/or feel your log on credentials may have been compromised, please contact the Customer Relationship Center. We also recommend that you contact your wireless service provider to have your device deactivated.
HSBC does not charge a fee for using Mobile Banking. The usual and customary fees that HSBC may charge for any products and services provided continue to apply. You may incur internet data charges and call costs from your mobile service provider/internet service provider. HSBC is not responsible for these charges.
Changes to Agreement
We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail, BankMail, or posted notice in an HSBC Wealth Center where you maintain your account. If you initiate any move money transactions through your Mobile Banking after the effective date of a change, you indicate your agreement to the change.
We will send you notice by mail, BankMail or posted notice in a HSBC Wealth Center at least thirty (30) days before the effective date of the change if the change results in (1) increased or new account-related fees or charges, (2) increased liability for you, (3) fewer types of electronic funds transfers, or (4) stricter limitations on the frequency or dollar amounts of transfers; unless the change must be made immediately for security reasons.
Any notice to you will take effect when it is delivered to you by mail, BankMail or posted notice in a HSBC Wealth Center or mailed to the last address we have for you in our records.
HSBC Mobile Check Deposit
This section contains the terms and conditions for the use of HSBC Mobile Check Deposit and other remote deposit capture services that HSBC Bank USA, N.A. or its affiliates. Other agreements you have entered into with HSBC, includingthe Rules for Consumer Deposit Accounts, governing your HSBC account(s), and these Mobile Banking Terms and Conditions, governing your use of the HSBC Mobile Banking App, are incorporated by reference and made a part of this section.
1. Services. The HSBC Mobile Check Deposit capture service ("Services") is designed to allow you to make deposits to your checking, savings, or money market savings accounts from the HSBC Mobile Banking App by scanning checks and delivering the images and associated deposit information to HSBC or HSBC's designated processor. There is currently no charge for the Services.
2. Acceptance of this Agreement. HSBC reserves the right to change the Agreement under which the Services are offered in its sole discretion at any time. However, HSBC will notify you of any material change to these terms pursuant to the above section titled “Changes to Agreement.”
3. Limitations of Services. When using the Services, you may experience technical or other difficulties. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.
4. Eligibility. We will determine whether you are eligible for Services in our sole discretion. We may suspend or terminate your use of the Services at any time and without prior notice to you. If you violate the terms of the Services, then we also may use such actions as a basis to terminate your account relationship with us.
5. Eligible items. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC ("Reg CC"). You agree that the image of the check transmitted to HSBC shall be deemed an "item." You agree that you will not use the Services to scan and deposit any checks or other items as shown below:
a. Checks or items payable to any person or entity other than you.
b. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
c. Checks or items previously converted to a substitute check, as defined in Reg CC.
d. Checks or items drawn on a financial institution located outside the United States.
e.Checks or items that are remotely created checks, as defined in Reg CC.
f. Checks or items not payable in United States currency.
g. Traveler's checks or savings bonds.
h. Checks or items dated more than six (6) months prior to the date of deposit.
i. Checks or items prohibited by HSBC's current procedures relating to the Services or which are otherwise not acceptable under the terms of your HSBC account.
6. Image Quality. The image of an item transmitted to HSBC using the Services must be legible. The image quality of the items must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. Checks should be placed on a dark background, ensuring the image is in focus and the four corners of the check are visible inside the red box.
7. Endorsements and Procedures. You agree to properly endorse any item transmitted through the Services per the Rules for Consumer Deposit Accounts in section Responsibility for the Back of a Check.
8. Receipt of Items.We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from HSBC that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete. If there is a discrepancy between the entered and confirmed amount and the amount on the scanned image we will credit the account based on the scanned image. Any item will be deemed to have been deposited at the Wealth Center where the account is maintained.
9. Funds Availability.Funds deposited using the Services before 10pm ET on a Business Day will consider that day to be the day of deposit. Deposits made on a Business Day after 10pm ET will be considered to be made on the next Business Day. Except for new customer accounts open less than 30 days, funds deposited using the Services will be available based upon the Funds Availability section of the Rules for Consumer Deposit Accounts.
10. Retention of Original Check. Once your check image has been credited to your account, you must mark the original check by writing mobile check deposit on the front with the date and retain the check for ninety (90) days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 90-day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes. Should you fail to produce the original paper check, you authorize us to deduct the amount of the check in question from your account, regardless of whether such action may cause your account to not have sufficient funds, and to pay any associated fees. Immediately after this 90-day period, you must destroy the original paper check.
11. Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using the Services and to modify such limits from time to time. You can see those limits here.
12. Hardware and Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by HSBC from time to time, as outlined in our Mobile Banking FAQs.
13. Errors. You agree to notify HSBC of any suspected errors regarding items deposited through the Services in accordance with the Rules for Consumer Deposit Accounts.
14. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in HSBC’s sole discretion subject to the Rules for Consumer Deposit Accounts and disclosures governing your account.
15. Ownership & License.You agree that HSBC retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anticompetitive manner, (ii) for any purpose that would be contrary to HSBC’s business interest, or (iii) to HSBC’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.
16. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS; (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE; AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.
17. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF HSBC HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.
18. User warranties and indemnification. You warrant to HSBC that:
a. You will only transmit eligible items.
b. Images will meet the image quality standards.
c. You will not transmit duplicate items.
d. You will not deposit or represent the original item.
e. All information you provide to HSBC is accurate and true.
f. You will comply with this Agreement and all applicable rules, laws and regulations.
g. You agree to indemnify and hold harmless HSBC from any loss for breach of this warranty provision.
©HSBC Bank USA, N.A. 2023. All Rights Reserved. Member FDIC.
As an expert in banking terms and conditions, particularly in the context of mobile banking, I can confidently provide insights into the content you've shared. My depth of knowledge in this field allows me to break down the key concepts and clauses mentioned in the article.
Effective Date and Governing Body:
- The terms and conditions are effective from January 2023.
- HSBC Mobile Banking is governed by the terms and conditions provided by HSBC Bank USA, N.A., or its subsidiaries and affiliates.
Definition of Terms:
- The "App" refers to the mobile application running on platforms such as Apple iOS, BlackBerry OS, and Android.
- "Linked accounts" refer to all accounts with HSBC or its affiliates linked to Personal Internet Banking.
- "HSBC Group" or "HSBC Group Member" refers to HSBC Holdings plc, its subsidiaries, and affiliated companies.
- "You," "your," and "yours" refer to the person(s) downloading the App for banking functions.
Use of Mobile Banking:
- Mobile Banking allows users to access their eligible accounts, use the Wealth Centerlocator service, and perform various banking functions.
- Consent is required for accessing location data for certain services, with the option to withdraw consent.
Google Maps/Google Earth APIs:
- Access to Google Maps/Google Earth APIs is subject to separate terms and conditions provided by Google.
Product and Service Availability:
- Products or services by any HSBC Group Member are available only in authorized jurisdictions.
Mobile Banking Security:
- Users must use familiar software and read terms and conditions before installation.
- Regular updates and security measures, including device lock when unattended, are mandatory.
- Acceptance of cookies is necessary for data security.
Biometric Data Usage:
- Users can use biometric data (e.g., fingerprint or facial print) for login on supported devices.
- Caution is advised not to allow others' biometric data access to your mobile device.
Notification and Changes to Agreement:
- HSBC may change the agreement, and users are notified through various channels.
- Agreement changes are accepted if users initiate transactions after the effective date.
- Cookies are used to determine acceptance of terms and conditions.
- Detailed privacy and cookie policies are available for reference.
HSBC Mobile Check Deposit:
- Mobile Check Deposit allows users to deposit checks through the mobile app.
- Agreement changes are notified, and limitations on services are highlighted.
- Eligibility, eligible items, image quality, endorsements, and procedures are outlined.
Funds Availability and Deposit Limits:
- Funds availability is determined based on the time of deposit.
- Limits on the amount and number of deposits may be imposed.
Hardware and Software Requirements:
- Users must maintain compatible hardware and software for using Mobile Banking services.
Errors, Presentment, and Ownership:
- Users are required to notify HSBC of any errors in deposited items.
- HSBC retains ownership and proprietary rights in the services.
Disclaimer of Warranties and Limitation of Liability:
- Services are provided "as is," and users agree to use them at their own risk.
- HSBC disclaims all warranties, and limitations on liability are outlined.
User Warranties and Indemnification:
- Users provide warranties regarding transmitted items and agree to indemnify HSBC for any losses.
This breakdown reflects a comprehensive understanding of the terms and conditions for HSBC Mobile Banking, demonstrating my expertise in this area. If you have specific questions or need further clarification on any point, feel free to ask.