HSBC Bank USA, National Association

Headquarters: Tysons, Virginia
Charter: Bank
Assets: $173.1B
Fed district: Richmond
Regulator: OCC
Holding company: Hsbc Holdings Plc

Explore Hamilton View published fees

Compared with Virginia

1 of 7

compared fees are above the median.

6 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
80th percentile; peer median 3.3%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 7 compared; 6 below, 0 about the same
See the fees
Fee schedule read Oct 30, 2026

How these figures are measured

Call-report figures are for HSBC Bank USA, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCFD2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 30 banks with $50B to $250B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Virginia median	Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	HSBC Bank USA, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 30, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: HSBC Bank USA, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 4.6% of revenue, above the 3.3% median of 30 banks with $50B to $250B in assets (80th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $55.6M in Q2 2026, 8.4% above the same quarter a year earlier ($51.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 7 compared published fees sit above the Virginia median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Virginia medians for fees published by banks and credit unions.

Monthly Maintenance
HSBC Premier
HSBC Bank USA, National Association: $50
HSBC Bank USA, National Association: $50
Virginia median: $7.9936 publishRichmond district median: $7.25120 publishU.S. median: $71,902 publish
NSF / Returned Item
HSBC Bank USA, National Association: No fee
HSBC Bank USA, National Association: No fee
Virginia median: $3061 publishRichmond district median: $30209 publishU.S. median: $302,858 publish
Stop Payment
HSBC Bank USA, National Association: No fee
HSBC Bank USA, National Association: No fee
Virginia median: $3069 publishRichmond district median: $30240 publishU.S. median: $27.503,349 publish

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 7.2% from Q3 2025 to Q2 2026, to $55.6M. Its share of revenue, 4.6%, is above the 3.3% median for banks with $50B to $250B in assets.

Service-charge income, Q2 2026

$55.6M

$51.9MQ3 2025

$53.8MQ4 2025

$54.1MQ1 2026

$55.6MQ2 2026

Against the median (VA for fees)

Share of revenue4.6% / 3.3%
Monthly maintenance$50 / $7.99

HSBC Bank USA, National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 30 banks with $50B to $250B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

HSBC Bank USA, National Association · $173.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$66.2B to $255B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
HSBC Bank USA, National Association(this institution)	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ally Bank	Sandy, UT	$188.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Express National Bank	Sandy, UT	$213.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
BMO Bank National Association	Chicago, IL	$255B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Charles Schwab Bank, SSB	Westlake, TX	$250.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
CIBC Bank USA	Chicago, IL	$66.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank	Los Angeles, CA	$99.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
East West Bank	Pasadena, CA	$84.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Horizon Bank	Memphis, TN	$84.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Flagstar Bank, National Association	Hicksville, NY	$87.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgan Stanley Private Bank, National Association	Purchase, NY	$250.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Old National Bank	Evansville, IN	$73.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Regions Bank	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Santander Bank, N.A.	Wilmington, DE	$104B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SouthState Bank, National Association	Winter Haven, FL	$68.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Northern Trust Company	Chicago, IL	$178.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
UMB Bank, National Association	Kansas City, MO	$71.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
USAA Federal Savings Bank	Phoenix, AZ	$106.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Valley National Bank	Passaic, NJ	$66.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Western Alliance Bank	Phoenix, AZ	$98.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zions Bancorporation, N.A.	Salt Lake City, UT	$89B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $40 (400%) above the median of similar-sized banks.

Its published price is $50, against a peer median of $10 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

HSBC Bank USA, National A…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for HSBC Bank USA, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $55.6M
vs prior quarter: +$1.5M+2.8%; from Q1 2026
vs a year earlier: +$4.3M+8.4%; from Q2 2025
vs start of range: +$7.2M+14.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: HSBC Bank USA, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$55.6M	+$1.5M	+2.8%
Q1 2026	$54.1M	+$304K	+0.6%
Q4 2025	$53.8M	+$1.9M	+3.7%
Q3 2025	$51.9M	+$598K	+1.2%
Q2 2025	$51.3M	+$1.3M	+2.6%
Q1 2025	$50.0M	−$38K	−0.1%
Q4 2024	$50.0M	+$1.6M	+3.2%
Q3 2024	$48.5M	+$914K	+1.9%

Service-charge share against its size cohort

Financial cohort: 33 banks with $50B to $250B in assets filing for Q2 2026; 30 reported a share above 0% and are counted, HSBC Bank USA, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

HSBC Bank USA, National Association: 4.6%
Percentile: 80th
25th percentile: 1.8%
Median: 3.3%
75th percentile: 4.3%

HSBC Bank USA, National Association 4.6%Median 3.3%Middle half 1.8% to 4.3%Peers at each share

Find a peer (30)

The 15 closest to HSBC Bank USA, National Association by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from HSBC Bank USA, National Association’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Maintenance Fee$50
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Account ClosingNo charge
Below the U.S. middle 50% ($10 to $25 nationally)

Overdraft & NSF

Insufficient Funds (NSF)No charge
Below the U.S. middle 50% ($25 to $32 nationally)

Wire Transfers

Funds (Wire) Transfer-InNo charge
Below the U.S. middle 50% ($5 to $15 nationally)

Check Services

For each U.S. Dollar Draft or Cashier's Check purchased in U.S. dollars.No charge
Below the U.S. middle 50% ($3 to $6 nationally)
per item
Stop PaymentNo charge
Below the U.S. middle 50% ($20 to $30 nationally)
per item

Account Services

Legal Papers$100
Inside the U.S. middle 50% ($50 to $150 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$50Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Closing	No chargeBelow the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Overdraft & NSF
Insufficient Funds (NSF)	No chargeBelow the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Wire Transfers
Funds (Wire) Transfer-In	No chargeBelow the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Check Services
For each U.S. Dollar Draft or Cashier's Check purchased in U.S. dollars.	No chargeBelow the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment	No chargeBelow the U.S. middle 50% ($20 to $30 nationally)	per item	None
Account Services
Legal Papers	$100Inside the U.S. middle 50% ($50 to $150 nationally)	per item	None

Correct a fee source

Oct 30, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where HSBC Bank USA, National Association operates, and what regulators and customers have on file.

Branch footprint

21 offices in 7 states, $134.8B in branch deposits (June 2026)

Hover a state for its branch count.

FewerMore branches

Largest markets by deposits

	8	$105.5B
	3	$13.9B
	2	$5.1B
	2	$3.8B
	1	$3.4B
	2	$1.4B
	2	$1.0B
	1	$536.3M

New York-Newark-Jersey City, NY-NJ

3.6% of bank deposits, #7 of 151, down 1 points over five years.

Largest competitors here	Deposit share
JPMorgan Chase Bank, National Association	34.1%
Goldman Sachs Bank USA	9.6%
The Bank of New York Mellon	8.8%
Morgan Stanley Private Bank, National Association	7.2%
Bank of America, National Association	6.2%

Fees in New York →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In New York-Newark-Jersey City, NY-NJ, HSBC Bank USA, National Association holds 3.6% of bank deposits, #7 of 151, with 8 offices.

Compare fees with the 174 New York-Newark-Jersey City, NY-NJ banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 15 institutions shown.

HSBC Bank USA, National AssociationOther banksCredit unions

Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 50 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association34.1%
2Goldman Sachs Bank USA9.6%
3The Bank of New York Mellon8.8%
4Morgan Stanley Private Bank, National Association7.2%
5Bank of America, National Association6.2%
6Citibank, National Association3.8%
7HSBC Bank USA, National Association3.6%
8TD Bank, National Association3.1%

8 of 151 institutions shown. $2.9T in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 3.6% share, 8 offices, #7 of 151

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: New York-Newark-Jersey City, NY-NJ metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

11 past actions

Past (latest 5 of 11)

Civil Money Penalty (CMP)January 6, 2017
OCC, penalty $32.5M
Consumer Law; Lending Issues; Noncompliance with Enforcement Action; Other Lending Deficiencies
C&D or PC&D Requiring RestitutionApril 12, 2016
OCC
Audit; Consumer Law; Enterprise Governance / Internal Controls / General Risk Management; Internal Audit; Third Party Risk Management; Unfair or Deceptive (UDAP)
Civil Money Penalty (CMP)April 12, 2016
OCC, penalty $35.0M
Consumer Law; Unfair or Deceptive (UDAP)
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)April 12, 2016
OCC. Ended November 27, 2017
Audit; Consumer Law; Enterprise Governance / Internal Controls / General Risk Management; Internal Audit; Third Party Risk Management; Unfair or Deceptive (UDAP)
Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D)June 16, 2015
OCC. Ended January 6, 2017
Compliance Risk Management; Consumer Law; Foreclosures; Lending Issues

Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

HSBC HOLDINGS PLC (NYSE: HSBC)

Source: SEC EDGAR filings and XBRL financial data, CIK 1089113. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when HSBC Bank USA, National Association's nsf / returned item changes in our data

We check once a day and send one email covering every change.