Investments & portfolio management
One annual fee, stated in dollars, with no performance fee
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Wealth
Private banking
A banker who knows your position without being briefed each time
Overview
Private banking at HBI means one named banker, a published qualification threshold, and credit decisions made by people who understand an illiquid balance sheet.
We publish both qualification routes — income or investable assets — because being told you "may qualify" wastes everyone's time.
Why HBI
One relationship, one fee, in writing
Wealth clients deal with one named banker across banking, credit, investments and fiduciary matters. That person knows your full position and does not need to be briefed each time you call.
We charge a single annual fee stated in dollars, take no commission from product providers, and manage every portfolio to a mandate you have read and signed.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Consolidated reporting across banking, credit, investments and offshore holdings
- Securities-based lines of credit against managed portfolios
- Preferred mortgage and auto loan pricing
- Global travel insurance and airport lounge access on the Private card
- Direct access to the markets desk for foreign exchange above $250,000
- Fiduciary review every two years, including your will and trust structures
What you need to qualify
- Gross annual income of $250,000, or
- Investable assets of $1 million held or transferable to HBI
- A full relationship review, including existing credit facilities
- Qualification is reviewed annually
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.
| Item | Fee | Included |
|---|---|---|
| Private banking account | $75 / month | All electronic transactions, unlimited ATM, named banker |
| Private credit card | Included | Travel insurance, lounge access, supplementary cards |
| Securities-based line of credit | SOFR + 2.25% | Against listed securities at agreed advance rates |
| Fiduciary review | Included | Every two years |
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 wealth product, this one included.
Reported after fees
Performance is shown quarterly, net of every fee, against the benchmark in your mandate. Gross figures sit beside it so you can see what the fee costs.
Held in your name
Investments are registered to you with an independent custodian. They are not on our balance sheet and are not available to our creditors.
Reviewed on a schedule
Your mandate is reviewed every year and your will and structures every two, or sooner after a marriage, a death, a sale or a move abroad.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Speak to us. Income and assets are assessed together, and a planned liquidity event, such as a business sale, can be taken into account.
Borrowing against your investment portfolio rather than selling it. It avoids realizing capital gains but carries the risk of a margin call if markets fall.
No. Qualification on the asset route requires assets held or transferable to HBI, but we also report on external holdings you tell us about.
Qualification is reviewed annually. If you no longer qualify, we discuss it with you first and move you to Signature rather than closing anything.
Related
You may also want
Products clients commonly hold alongside this one.
International banking
Accounts, investments and currency outside the United States, done properly
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Fiduciary, trusts & estate planning
Deciding now what happens later, and writing it down properly
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Wealth
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.