Checking accounts
One monthly fee, every everyday transaction included
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Personal
Credit cards
No interest when you pay in full, and an APR we tell you before you apply
Overview
Three credit cards, each with a published APR range and an annual fee you can see before applying. Settle the full statement balance by the due date and purchases cost you nothing in interest.
Your rate is set on your credit profile within the published range. We show you the exact rate in your offer, before you accept it.
Why HBI
Banking that says the price first
Every HBI personal product is built the same way: one published fee, one published rate range, and the conditions written on the page rather than in a footnote. You should be able to work out what something costs before you speak to anyone.
When your circumstances change, the product should change with you. Moving between account tiers is free, paying off credit early carries no penalty, and we write to you before a fee that affects you changes.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Instant virtual card for online use, with the number masked in app
- Freeze, unfreeze and set spend limits per card from online banking
- Installment plans that convert larger purchases to fixed monthly payments at a lower rate
- Real-time notifications on every authorization attempt
- Authorized user cards with individual limits, at no extra fee
- Automatic credit limit reviews every twelve months, which you can opt out of
What you need to qualify
- Minimum annual income of $15,000 for Classic, $40,000 for Gold, $90,000 for Platinum
- Credit approval and an ability-to-repay assessment
- Social Security number or ITIN, and a government-issued photo ID
- Proof of income if you do not bank with HBI
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing
Fees & rates
Published here, and the same figure you will see in your quotation.
| Card | Annual fee | Purchase APR range | Minimum annual income |
|---|---|---|---|
| HBI Classic | $0 | 21.99% – 27.99% | $15,000 |
| HBI Gold | $95 | 19.99% – 25.99% | $40,000 |
| HBI Platinum | $295 | 18.49% – 24.49% | $90,000 |
Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.
How it works
Three steps, start to finish
What happens, in what order, and roughly how long each part takes.
Check your rate
A soft inquiry shows your likely rate and limit without affecting your credit report.
Accept the offer
The exact rate, limit, fee and repayment appear before you sign. Nothing is binding until you accept.
Use it the same day
The virtual card is live immediately; the physical card arrives in three to five business days.
Good to know
How we look after you
Three commitments that apply to every personal product, this one included.
Thirty days’ notice of any fee change
Fees are reviewed once a year. We publish changes at least thirty days ahead and write to you directly when a change affects a product you hold.
Your deposits are protected
Deposits are insured by the FDIC up to $250,000 per depositor, per ownership category. Coverage is automatic and costs you nothing.
A complaint goes to a person
Tell us first and a named case handler replies within two business days. If we have not resolved it in twenty, you can submit a complaint to the Consumer Financial Protection Bureau at no cost.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Purchases made in a statement cycle are charged no interest if the full statement balance is paid by the due date, at least 25 days later. Cash advances accrue interest from day one.
No. The initial check is a soft inquiry visible only to you. A hard inquiry is recorded only once you accept an offer.
The greater of $35 or 2% of the outstanding balance. Paying only the minimum extends the term substantially and costs more in interest.
Yes. You will be asked for proof of income for the ability-to-repay assessment.
Related
You may also want
Products clients commonly hold alongside this one.
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A fixed payment, a fixed term, and no prepayment penalty
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Debit & prepaid cards
Spend what you have, with controls that actually work
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Personal
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.