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HSBC vs. Citizen Bank Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Student Loans

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Online Banking

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Good For
6th Largest Bank In The World
Good For
Over 1,000 Branches and 3,000 ATMs
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
Pros
  • No banking fees if you maintain Premier statusements
  • Higher APY is available based on account balance or type
  • Global bank presence allows for seamless movement of money and international credit history
  • Premier clients receive benefits anywhere in the world
Pros
  • Well-established company with over 1,000 branches and 3,000 ATMs
  • Monthly maintenance charges are easy to avoid
  • Physical branches are available if you want to talk to someone in person about your financial needs
Cons
  • cons Limited access as personal accounts are available to HSBC Premier clients only
  • cons $50 monthly fee on accounts without an HSBC Premier relationship
  • cons Eligibility requirements are complex and can change over time
Cons
  • cons Poor interest rates available compared to online-only banks
  • cons Branches are only available in 12 states
  • cons Basic accounts incur a $3 out-of-network ATM fee
  • cons High overdraft fees
Min Deposit
Min Deposit
$1K
Min APY Checking
0.01
Min APY Checking
0.05
Min APY Savings
0.05
Min APY Savings
0.01
ATM Network
Over 55,000 fee-free ATMs
ATM Network
Over 3,000 fee-free ATMs
Overdraft fees
Overdraft fees
$35
Maintenance Fee
$50
Maintenance Fee
Student Loans drop-down-btn
Good For
Personalize Your Banking Experience
Min Credit Score
700
Loan Amount

$1K-$350K

Fixed Rate
6.49-10.98%
Variable Rate
7.03-12.42%
Funding Time
20 days
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
No
Pros
  • Refinancing for federal and private student loans.
  • No degree or enrollment required.
  • No origination or prepayment penalties.
  • 0.25% Loyalty discount for existing Citizens Bank customers
Cons
  • cons Must have a minimum of $10,000 to refinance
  • cons Next day funding not available
Not provided

Service isn't provided

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