We post transactions to your account throughout the day in the order that we receive them. If the Bank does, the Bank will not be liable to you for dishonoring your checks during the seven-day notice period. The available balance does not include the amount of deposits not currently available (Refer to the Funds Availability section for more information). mail (to the last address we have for you in our records). For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preference page on the website where you access your Communications. These charges do not apply to: HSBC Premier checking, HSBC Premier Savings, HSBC Advance checking, HSBC Advance Savings, HSBC Promotional Premier Savings, HSBC Promotional Advance Savings, as well as the following online only products which are no longer offered, HSBC Online Money Market Savings or Online Payment Account. For more information, please see our Supported Browsers page. Your written stop payment request is good only for six months unless you renew it in writing. The currency conversion rate used by Card Association on the processing date may differ from the rate that would have been used on the transaction date or cardholder statement posting date. It covers the payment of your total outstanding balance … When you submit a Payment Instruction, you will be required to select the Receiver from your existing payees and the amount of your RTP Payment (the “Payment Amount”). If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. No additional charge is imposed on your account because you have this service. If your deposit does not meet these conditions, funds from your deposit of these checks will be available to you no later than the fifth Business Day after the day of your deposit. Letter head on the statement is HSBC and in the body of the statement is says my account issued by Capital One.. Find the answers and while you're at it, tell us how we could do better. The length of the delay varies depending on the type of deposit and is explained below. We recommend that you print or download a copy of this eCommunications Disclosure, the applicable service agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy of or privacy policy https://www.us.hsbc.com/online-privacy-statement/. All statements and advices will be sent to you by ordinary mail at the address last recorded by the Bank. To make check processing faster, federal law permits banks to replace original checks with "substitute checks.". The Bank is required to comply with the abandoned property laws of the state of the depositor's last known address on the Bank's records. Under our standard overdraft practices, we will charge you the associated Insufficient Funds (NSF) or Unavailable Funds (UNA) fees listed on our Terms and Charges Disclosure when an overdraft occurs. Certificates of Deposit are not transferable except on the Bank's books. You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your accounts, products or services, through email (if applicable and if you have provided a valid email address), or other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, "Communications"). Subtract fees resulting from current day activities (e.g., Stop Payment Fee). Ledger Balance – The total of all items posted to your account including those not yet made available for use. You could lose all the money in your account (plus your maximum overdraft line of credit). This fee is waived if the account is enrolled in eStatements through HSBC Personal Internet Banking. Likely, though, if you want to open an HSBC account in a different country, you’ll need a proof of address showing you have a current address in that second nation.¹ Even if you can do this, it wouldn’t be a true multi-currency account and may come with high fees when you move your cash from your HSBC … In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain. All rights reserved. Instructions received for value on a non-Business Day will be processed on the next Business Day. Those funds will be made available to you at the time funds from the check the Bank cashed would have been available if you had deposited it. "substantial owners" means any individuals entitled to more than 10% of the profits of or with an interest of more than 10% in an entity either directly or indirectly. All notices to HSBC must be made in writing and sent to HSBC via registered or certified mail.