Mobile banking app
The whole bank, in about four megabytes
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Ways to bank
ATMs & branches
1,240 ATMs, 186 branches, and someone who can actually help
Overview
Our ATMs take deposits as well as dispensing cash, and our cash devices credit your account immediately rather than at the end of the day.
Branches are for the things that genuinely need a person: estates, disputes, complex business onboarding and advice. Everything else is faster in the app, and we will tell you so.
Why HBI
Every channel does the same job
Whichever way you reach us, you see the same balance and can do the same things. The app, online banking, the ATM network and the branch are four doors into one account.
We build for ordinary conditions: older phones, slow connections and people in a hurry. If something is quicker in the app than at a counter, we will tell you.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- 1,240 ATMs, of which 820 accept cash and check deposits
- 186 branches across eleven states
- Cardless withdrawal codes valid for thirty minutes
- Appointment booking with named bankers
- Extended hours at 64 branches in shopping centers
- ADA-accessible ATMs with audio guidance and lowered keypads
What you need to qualify
- ATM services require an HBI card or a cardless withdrawal code
- Branch services require identification
- Business transactions require a signed resolution
- Cash transactions above $10,000 are reported to FinCEN, as federal law requires
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing
Pricing
Published here, and the same figure you will see in your quotation.
| Transaction | HBI ATM | Other bank’s ATM |
|---|---|---|
| Cash withdrawal | Free | $3, refunded on Everyday and Signature |
| Cash or check deposit | Free | Not available |
| Balance inquiry | Free | $1 |
| Withdrawal outside the US | — | $5 plus 1% of the amount |
| Cardless withdrawal | Free | Not available |
Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.
Good to know
How we look after you
Three commitments that apply to every ways to bank product, this one included.
We never ask for your PIN
No one from HBI will ask for your password or one-time passcode by phone, email or message. Anyone who does is not us.
Changes apply immediately
Card freezes, limits and payee changes take effect the moment you confirm them, on every channel at once.
Help at any hour
The fraud and lost-card lines are answered at any hour, every day. Everything else has a published opening time and a call-back option.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Immediately at an HBI device. There is no overnight hold on cash deposited at our own machines.
Not for counter transactions. For advice, estates, business onboarding or lending, book a banker so the right person is there with your file open.
Generate a code in the app, enter it at any HBI ATM with the amount, and collect the cash. The code expires after thirty minutes.
Most branches open 9 a.m. to 5 p.m. on weekdays and 9 a.m. to noon on Saturdays. Sixty-four shopping-center branches keep extended hours.
Related
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Online banking
Everything the branch can do, without the line
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Checking accounts
One monthly fee, every everyday transaction included
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Ways to bank
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.