Checking accounts
One monthly fee, every everyday transaction included
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HBI Group
Personal banking
Accounts, cards, credit and cover for the way you actually live
Personal
Banking that says the price first
Everything a household needs from a bank, with the price on the front of the box. Choose an account by what it costs and what it does, not by the name on it.
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.
Products & services
All 11 personal products
Each page carries its own fees, rates, qualifying conditions and questions.
Savings accounts
Instant access, a published rate, and no fee to hold it
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CDs & money market accounts
Commit for a term, lock the rate for the whole of it
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Credit cards
No interest when you pay in full, and an APR we tell you before you apply
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Debit & prepaid cards
Spend what you have, with controls that actually work
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Personal loans
A fixed payment, a fixed term, and no prepayment penalty
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Mortgages
From 3% down, with the rate and the closing costs set out before you sign
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Auto & equipment loans
New, used or refinance, with the total cost spelled out in full
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Overdrafts
A buffer on your checking account, charged only when you use it
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Student banking
No monthly fee while you study, and no catch at graduation
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Youth & child accounts
Their money, your oversight, and nothing hidden from either of you
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How we work
Fees you can read on one line
Every personal product page on this site carries its monthly fee, its interest rate range and its qualifying conditions on the page itself, not behind an inquiry form.
We publish fee changes at least thirty days before they take effect, and we write to you when a change affects an account you actually hold.
- No per-swipe transaction charges on any checking account
- Deposit rates published every Monday and applied the same day
- No introductory rates that quietly drop after six months
Personal
By the numbers
4.9m
Personal clients across the group
$5
Lowest monthly account fee, all transactions bundled
10 min
Typical time to open an account online
1,240
ATMs, of which 820 take deposits
Where to start
Grouped by what you are trying to do
If you are not sure which product you need, start from the problem rather than the product name.
Everyday banking
Checking and savings accounts, cards and the channels you use them through.
Borrowing
Mortgages, auto loans and personal credit, underwritten on what you can afford and priced to your profile.
Saving & investing
Deposits with published rates, and portfolios with a single stated fee.
Insurance & protection
Life, disability, home and auto coverage you can file a claim on from the app.
Good to know
How we look after you
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.
Personal
Ready when you are
Open an account online in about ten minutes, or sign in if you already bank with us.