If you do not re-enroll, you will receive paper statements in the mail. Beginning September 17, these accounts will be serviced by Premier Finance Card Program (PF|CP). Will replacement cards be issued to the co-applicant and authorized user(s)? "They are good businesses, but we lacked the scale to compete," Quinn said in a statement regarding the sale. HSBC Bank USA, National Association (HSBC Bank USA, N.A.) After 12:00 PM ET, September 17, 2022, please update your mobile wallet with your PF|CP account information. You can visit the PF|CP Coming Soon page now by going to. If you are enrolled in paperless statements with HSBC, you will need to re-enroll for this service with PF|CP. I live outside the United States. After 12:00 PM ET, September 17, 2022, you can make payments by enrolling in online or mobile banking, or by calling PF|CP Customer Service. Note: A small number of customers may have received updates following notice of the transition to Citizens if there was an operational issue or other circumstance that would keep Citizens from accepting the account or a particular securities position within the account. After September 15, 2022, HSBC will cancel any scheduled electronic payments excluding those made through AutoPay. Our HSBC Wealth Services Desk contact information is noted below. HBUS will exit its domestic mass market retail banking business and retail business banking (collectively the Business) through a number of divestitures, and wind-down of the residual branch network. If your account is open and in good standing, on or after September 17, 2022, please activate your PF|CP credit card after 12:00 PM ET. HSBC said it would retain a small network of about 20 to 25 brick-and-mortar locations, which will be repurposed into wealth centres to service affluent and high-net-worth international customers. The first letter informed you that ownership of your account was to transfer as of August 20, 2022 (the July letter). .cookie-notification--external .cookie-notification__inner .cookie-notification__body{ padding-left:5px; } Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. HBUS will retain a small network of physical locations in existing markets which will be repurposed into 20-25 international wealth centres to serve our core international customer base of c.300k affluent and high net worth customers (out of a historical base of c.1.4m). Insurance and annuity relationships are not impacted by the transactions. We are here to help after February 4 when one or more of your accounts have transferred to Cathay Bank. IRS tax forms, so consider downloading and saving tax documents prior to transitioning to Citizens. Product specific information will be available on the site in early January. Can I use my PF|CP credit card for contactless transactions? Your APR will remain the same unless you were being charged a penalty APR, in which case such APR will be reduced to your applicable non-penalty APR. Further analysis of the results of our US WPB business are provided in the HSBC Holdings plc Data pack 1Q 2021. They can contact their Relationship Manager for more information. If you are an HSBC customer, you can look forward to your bank becoming more focused on what we do best connecting our customers to a world of opportunity and bringing cross-border business and investment to the United States. robert.a.sherman@us.hsbc.com, Richard OConnor If your account is open and in good standing as of August 21, 2022, PF|CP will mail you a replacement credit card with a replacement account number, which you should receive by early September. 07/28/2021. The information contained in the July Letter has been updated as set forth in a subsequent letter from PF|CP and in this FAQ, so please disregard the July Letter. HSBC has entered into agreements to sell parts of its business to Citizens Financial Group Inc.'s Citizens Bank and Cathay General Bancorp's Cathay Bank. Begin using Citizens checks on February 19. For questions about HSBC Securities (USA) Inc. accounts, including IRA brokerage accounts, call the HSBC Wealth Services Desk at 800-662-3343, Monday through Friday 8 a.m. 6 p.m. You can begin using your PF|CP credit card as soon as its activated. ET. It complements our existing franchise and helps advance our digital-first national expansion strategy, giving us a strong foundation to drive further growth and gain scale. If your account is open and in good standing as of August 21, 2022, a replacement card will be issued to all applicants and any authorized user(s) on the account. Citizens ATM/debit cards and credit cards can be used now. The Business is part of our US Wealth and Personal Banking (US WPB) operations. Do you have questions about the biggest topics and trends from around the world? This means that if you received a combined statement, you will now receive individual statements for all of your accounts, and that we will be able to share statements for December 2021 and January 2022 with Citizens. Transferring accounts include those held by customers who had a stand-alone credit card with HSBC and no other financial relationship such as a checking or savings account. Customers whose relationships were transitioned to Citizens or Cathay Bank can refer to a separate FAQ. HSBC Bank is starting to focus on serving wealthier customers. Redemption options if your account is open and in good standing will be modified as follows: Direct Deposit into an HSBC checking/savings account will no longer be available. Get the answers with SCMP Knowledge, our new platform of curated content with explainers, FAQs, analyses and infographics brought to you by our award-winning team. If you are located in the United States or Canada and you wish to proceed with adding a joint account holder to a checking or savings account, you may do so by calling 1.800.975.4722. The information contained in the July letter has been updated in a subsequent letter from PF|CP and in this FAQ, so please disregard the July letter. What is the impact on my investment or insurance relationships? First Bank & Trust is a family- and employee-owned South Dakota state bank, member FDIC, with 22 locations in 17 communities in South Dakota and Minnesota. Your transferred rewards balances will be available online, through PF|CP Customer Service, and on your statements. "Our refreshed strategy in the US will allow us to better serve the needs of our international wealth clients, who continue to consider the US for international education, property, investment diversification, career and family mobility and business expansion, among others. Weve entered into an agreement with Royal Bank of Canada. View source version on businesswire.com: https://www.businesswire.com/news/home/20210526006133/en/, Media: Peter Lucht 781.655.2289 Following the sale, HSBC will no longer offer services to American retail-banking clients with balances of less than US$75,000 and small businesses with less than US$5 million in revenue. Representatives are available 8:30am-4:15pm ET Monday through Friday. I hope so, I like the free wire transfers on Premier. Links between your brokerage and deposit accounts are no longer available now that the deposit accounts have transitioned to Cathay Bank. Before sending us your information, please read our privacy policy. HSBC One is the one bank account you need to empower your financial wellbeing and become money smart every If you're calling from outside the US or Canada, please call 1 . I have accounts that are part of the agreement with Citizens or Cathay Bank. At 31 March 2021, US WPB had loans and advances to customers of US$23.8bn, customer accounts of US$47.8bn and risk weighted assets of US$15.7bn the Business to be exited represents approximately 13%, 21% and 11% of these balances respectively. HSBC, the biggest of Hong Kong's three currency-issuing banks, said on Thursday it will exit its mass-market retail business in the United States and focus on serving wealthy clients and . Green Savings: Citizens Bank gives you the first four months free of charge when you open this savings account. As a result of this new focus for HSBC in the U.S., we are streamlining parts of. HSBC Premier Credit Card Earn 35,000 Bonus Points after spending $3,000 in the first 3 months from Account opening 1 2X Points on Travel, 1X Points on all other purchases TSA Precheck - $85 credit 2 for application fee Apply now HSBC Elite Credit Card Earn 50,000 Bonus Points after spending $4,000 from the first 3 months of Account opening 3 For any recurring charges such as subscriptions, gym memberships, utilities, etc., please contact those merchants starting September 17, 2022, and provide your PF|CP account information. HSBC first entered the US retail banking market when it acquired a controlling stake in Marine Midland Bank in 1980. The program aims to provide customers with premium service and experience. Member FDIC. +44 (0) 7920 254057 Citizens is getting the banking business at a discount: it's paying a 2% premium on the $9 billion in deposits when most acquirers pay up to 6%, Coughlin said. The potential and pitfalls of Central Bank Digital Currencies, Investor information in Chinese - , www.about.us.hsbc.com/investor-relations/hsbc-usa, Read the full media release: HSBC exits US mass market retail banking, Shanghai Administration for Industry & Commerce, Exiting 90 branches out of a current branch network of 148 branches, HBUS will retain a small network of physical locations in existing markets which will be repurposed into 20-25 international wealth centres, Remaining branches, between 35-40, will be wound down, Exiting all Personal, Advance and certain Premier banking customers (those with balances below US$75k), Exiting all retail business banking customers (small businesses with turnover of US$5m and under). Following are online banking transactions that were not transitioned to Citizens are: Transfers between your U.S. accounts set up on online banking, Future dated one-time payment for Personal Loans, Future dated Global Transfers, Bank to Bank transfers or Real Time Payments. In February 2022, Citizens Bank took HSBC's US operations on the East Coast, and Cathay Bank took over on the West Coast.. ATMs at HSBC branches that are part of the agreement with Cathay Bank or Citizens have been converted to Cathay, A list of former HSBC locations that are now Cathay Bank. If you have already opened your consumer deposit account (s) with HSBC, you can chat with us now to order a card. is the principal subsidiary of HSBC USA Inc., a wholly-owned subsidiary of HSBC North America Holdings Inc. Its US Wealth and Personal Banking segment - formerly its retail and wealth management business - reported its first pre-tax profit in 14 quarters in the first quarter of this year. 0. So for questions about these changes as well as details about services available through Citizens, please contact Citizens directly: visit, Questions about the transition status of specific HSBC checking and savings accounts can be directed to HSBC: chat with us 24 hours a day, 7 days a week on the HSBC Mobile Banking App or at, Your access to Citizens Online and Mobile Banking access began February 22. Credit Card Online Banking access began February 20 for consumers and February 22 for businesses. And it had brazenly done business in off-limits countries such as Sudan and Myanmar. In this context, forward-looking statements often address our expected future business and financial performance and financial condition, and often contain words such as expect, anticipate, intend, plan, believe, seek, see, will, would, or target. Forward-looking statements by their nature address matters that are, to different degrees, uncertain. Investors: Kristin Silberberg 203.900.6854, Copyright 2023 Citizens Financial Group, Inc. All rights reserved. The branches to be acquired will operate as HSBC branches until closing and will be re-branded as Citizens branches immediately upon closing of the transaction. Which accounts transitioned? HSBC said it does not expect to have a "significant gain or loss" on the sales. HSBC India has hiked the interest rates on domestic FDs of less than Rs 2 crore. The changes described will be effective March 14, 2022. heidi.ashley@hsbc.com, Rob Sherman 2022 HSBC Bank USA, N.A. Our primary business will be a wholesale bank focused on the international needs of commercial and institutional clients. Neither HSBC Bank USA, N.A., PF|CP nor any of their respective affiliates are responsible for these charges. With assets of US$2,959bn at 31 March 2021, HSBC is one of the worlds largest banking and financial services organisations. See our Cookie Policy. For our customers who fall outside the above propositions, the impact on investment relationships differs depending upon the geographic region, For West Coast customers, banking relationships transitioned to Cathay Bank but investment and insurance relationships did not as they were not part of the agreement. I am currently enrolled in a hardship program. HSBC also lacked the necessary scale to compete with its bigger American rivals. Top Rewards Rates. Citizens Bank and Cathay Bank, subsidiaries of Citizens Financial Group and Cathay General Corp., have agreed to buy HSBC's businesses on the east and west coasts, respectively. HSBC is exiting the US market do all accounts will eventually be transitioned to other banks. Citizens Financial Group, Inc. to Acquire HSBC East Coast Branches and National Online Deposit Business Acquisition includes 80 HSBC branches in New York City Metro, Mid-Atlantic/Washington. After 12:00 PM ET, September 17, 2022, you can enroll in PF|CP online and mobile banking at. What is the impact on my investment or insurance relationships? The next website will open in a new browser window or tab. PF|CP describes itself and the Program as follows: The Premier Finance Card Program (PF|CP) is a credit card program provider sponsored by First Bank & Trust, which is one of the leading consumer credit card issuers. Combined, those businesses held US$10.2 billion in deposits and US$3 billion in outstanding loans as of March 31. In buying the East Coast retail operations, Citizens Bank will acquire 80 branches and about 800,000 customers with US$9.2 billion in deposits and US$2.2 billion in outstanding loans. Dont forget to update account information with your depositor. Camera-in device required to be able to utilize HSBC Mobile . Client need a referral from US bank branch managers. Now it is combining two into one and needs to alert customers to the new terms and conditions." Following are the HSBC branches that have closed and consolidated into HSBC Bank Wealth Centers since November 2021: The partnership you have with your Relationship Manager or Relationship Team will not change for the time being. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,000 ATMs and approximately 1,000 branches in 11 states in the New England, Mid-Atlantic and Midwest regions. Download Game Free - Install and play now, exploring "organic and inorganic options", relocating several of its global business leaders. After the transfer, PF|CP will service your account and provide a new online experience for you to manage payments, alert settings, statement preferences, and more. Reoccurring merchant auto-pay ACH debits until May 5, Recurring automatic payments (EZ-Pay) for Personal Loan, Select Line of Credit, Business Loan or Revolving Line of Credit accounts, Wires received to your transferred HSBC account until April 7, One-time future dated payments to Personal Loan. Will I maintain that rate? After 12:00 PM ET, September 17, 2022, you can contact PF|CP: Mobile banking app: Instructions can be found at, PF|CP Customer Service: 1.833.456.8700 (available 24/7); outside the US or Canada, you can call 1.516.576.8625, Payment mailing address: PF|CP, PO Box 650726, Dallas, TX 75265-0726. A presentation providing additional information on the transaction is available at https://investor.citizensbank.com/about-us/investor-relations/events-and-presentations/2021.aspx, Cautionary Statement About Forward-Looking Statements. Cathay Bank has entered into an agreement to purchase the West Coast domestic mass market and retail business banking businesses, including 10 branches and approximately 50,000 customer relationships with US$1.0bn in deposits and US$ 0.8bn of outstanding loans as at 31 March 2021. You can contact us for support related to activity on HSBC accounts before transfer, and on current HSBC accounts. If you have accounts transitioned to Citizens and live outside the United States, HSBC sent an email about some differences in access and servicing as a Citizens customer. What day to day and online banking options are available? The announced transactions are expected to close by the first quarter of 2022, subject to regulatory approvals. The Providence, Rhode Island-based company expects to complete the purchase of 80 HSBC Bank retail branches today, Chief Financial Officer John Woods said Thursday at an industry conference. It will remain with about 25 U.S.. You can also visit the Cathay Bank website or call Cathay Customer Service at 800-922-8429. Roughly 63% of the acquired HSBC deposits are in the New York metro area. Before September 16, 2022, mail your payments to HSBC at the address found on your statement. At 12:01 AM ET, September 17, 2022, HSBC will deactivate your Personal Identification Number (PIN) for use at ATMs. Where can I find more information about other Citizens locations? Citizens Bank has entered into an agreement to purchase the East Coast domestic mass market and retail business banking businesses as well as the online bank portfolio, including 80 branches and approximately 800,000 customer relationships with c. US$9.2bn in deposits and US$2.2bn of outstanding loans as at 31 March 2021. Since the July letter, it has become necessary to change the date of the transfer to September 17, 2022, from August 20, 2022. The bank is also selling 10 West Coast branches to Los Angeles-based Cathay Bank. On Thursday the foyer was quiet and receptionist told the Post that the branch does not accept walk-ins, only clients with a referral from the Los Angeles-based bank's US relationship managers. is not responsible for these charges) or at. We are renewing our emphasis on the international wealth management needs of globally mobile and affluent individuals in the United States. The deal gives Citizens a much bigger presence in the important New York market, where it will be in the top 25 retail banks, according to the Philadelphia Business Journal. What can you tell me about HSBC Bank Wealth Centers? Yes, the terms of the hardship program will be maintained as long as you continue to meet the eligibility requirements. Citizens and HSBC announced the deal late Wednesday as part of the London-based lender's exit from U.S. retail banking. 3. HSBC Bank USA, N.A. Feb 23, 2022 10:26AM EST. ET. Dont forget to update account information with your depositor. The updated policy will support the transition towards a net zero future by 2050 or sooner. The PF|CP website is currently under construction and will launch in time for account transfer. This next chapter of HSBCs presence in the US will see the team focus on our competitive strengths, connecting our global wholesale and wealth management clients to other markets around the world.. HSBC, which makes most of its money in Asia, has been increasingly shifting resources to the region lately. I have a credit card transitioning to citizens. Citizens Financial Group, Inc. to Acquire HSBC East Coast Branches and National Online Deposit Business Acquisition includes 80 HSBC branches in New York City Metro, Mid-Atlantic/ Washington D.C. and Southeast Florida with approximately $9.0 billion in deposits and $2.2 billion in loans More information about factors that could cause actual results to differ materially from those described in the forward-looking statements can be found under Risk Factors in our Annual Report on Form 10-K for the year ended December 31, 2020 as filed with the United States Securities and Exchange Commission. In preparation for a smooth transition of one or more of your accounts to Citizens, we changed your account statement format from a combined statement to individual statements for each account. The bank bought boutique firms JMP Group and DH. HSBC announced earlier this year that it was exploring strategic options with respect to its US retail franchise, including organic and inorganic options to improve the profitability of its US retail business. Night Drop services at HSBC locations that have transitioned to Cathay Bank and Citizens. HSBC Holdings Plc exited its U.S. domestic mass market retail banking business, agreeing to sell 90 branches, as Europe's biggest lender looks to focus on wealthy clients and steer billions of . Wealth Centers offer the same services available to these customers today. Under the agreement, the parent company to Citizens Bank. And Financial services organisations Centers offer the same services available to these today! Tax documents prior to transitioning to Citizens hsbc changing to citizens bank Cathay Bank after 12:00 PM ET, September 17,,! Update your mobile wallet with your PF|CP account information with your PF|CP account information is starting to on... 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