HSBC, the second largest banking institution globally is popular due to its world-class financial products and excellent customer service. Their various checking account offerings are some of the best services that they deliver to consumers and businesses.
Individuals who need to perform financial transactions on a regular basis will need to open a checking account at some point in time. It is recommended to start a checking account with HSBC as it offers the best checking account features and benefits than any other banking institution in America.
A checking account enables an account holder to perform finance-related transactions in an easy and convenient manner. Funds that are tied to a checking account are considered to be liquid in the sense that an account holder has the ability to withdraw money on demand. It is also due to the highly-liquid nature of checking accounts that they do not grow interest over time. Unlike savings account, only small interest payments may accrue in checking accounts that have consistently high maintaining balance.
HSBC Checks
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Opening a checking account with HSBC has the following advantages:
• It is easier and safer to carry checks in your wallet than large sums of money.
• Cleared checks that are sent back to account holders double as proof of payment
• Maintaining a checking account helps individuals in building a good credit status
• A checking account enables individuals in managing their money in an organized and efficient manner
• Build trust and respect with creditors
With an HSBC checking account, you are offered with check-writing abilities. This means that you can issue checks instead of paying creditors with cash. Since money in checking accounts are highly liquid, people or businesses you owe money from can either withdraw the money from your account or have the funds forwarded to their checking or savings account as well.
HSBC currently offers four checking account products.
– Premier Checking
– Plus Checking
– Choice Checking
– Basic Banking
For individuals who are running businesses, a premier checking account may be the right checking solutions for you. People who apply for a premier checking account are given exclusive HSBC products and services that are easily accessible wherever and whenever.
Account holders who have the Premier checking account are issued free checks when needed.
A plus checking account was developed for sensible individuals whose primary goal is to save as much money on their accounts. A Plus checking account can be easily tied with a savings account. A combined balance of $15,000 from HSBC checking and savings accounts entitles an account holder to a no monthly maintenance free benefit. A standard $15 monthly fee needs to be paid if the available maintaining balance is below $15,000.
Wallet-style checks are provided among account holders who decide to apply for the Plus checking account service.
The Choice checking account was developed for customers who appreciate value and convenience above anything else. A direct deposit balance of $1,500 or a combined balance of $5,000 entitles a checking account holder to enjoy no monthly maintenance fees.
Basic banking is the most affordable checking account product offered by HSBC. This is perfect for individuals who only need to write a small number of checks per month. A standard maintaining fee of $3 is to be paid by the account holder on a monthly basis.
Account holders under the Choice and Basic banking checking accounts need to pay for a set of checkbook. Although the first checkbook will be provided without charge, ordering for subsequent batches usually costs account holders $25.00 per checkbook.
Before applying for a checking account, make sure to analyze your spending patterns. Balancing a checking account will be difficult at first, but you will certainly improve over time once you get the hang of it. Also monitor the flow of money into your checking account. Managing a checking account is made easier if you have actual checks with you.
Although HSBC electronic banking enables clients to direct funds to their respective checking accounts and pay bills and important personal transactions over the phone and online, a large percentage of account holders still prefer to do financial-related functions through issuance of personal checks instead.
In order to avoid bounced checks and overdraft fees and problems, it is important that account holders keep track of their checking account. What better way to do this than by utilizing checks and registers. Registers simplify the whole process of balancing your finances.
Reorder HSBC checks
If you are almost running out of checks, why not give online HSBC checks a try? Reordering checks from check printing companies are considered legal. Checks from these companies are accepted and honored in banks and credit unions for as long as the financial details and personal information are printed accurately onto the check.
Personalized checks for HSBC are more fun to utilize. Account holders can choose from hundreds upon hundreds of check designs. Furthermore, there are customization features that enable customers to add monograms, symbols, and logos onto checks as well. HSBC checks from check printing companies display the same amount of security and safety features. There’s no need to worry about identity theft and fraud if you choose to reorder HSBC personal checks online.
Lastly, HSBC checks sold by check printing companies are way cheaper than official checks sold by HSBC. The variety of check designs, the security features, and the convenience that check printing companies offer make purchasing HSBC personal checks online a worthwhile endeavor.
