Everyday banking
One monthly fee. Everything included.
Card purchases, automatic payments and app payments are all covered by a single fee you can read on one line.
HBI Essential from $5 a month.
Mortgages
See the full cost before you sign
Pre-approval in 48 hours, with closing costs shown alongside the monthly payment.
From 3% down for first-time buyers, subject to credit approval.
Business banking
Card sales settled by 7 a.m.
Card, ACH and instant payments clear into one business account overnight, before you open.
HBI Start from $15 a month.
What would you like to do today?
Life & home insurance
Coverage you can claim on from the app, with the turnaround published
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Tap to pay with your phone
Add your HBI card to your phone or watch. The merchant never sees your card number, and there is no contactless ceiling.
Looking for help?
The four things clients ask us for most, each one a single step from here.
Bank with us
Find the part of the bank that fits you
Four divisions, one group. Start where you are and move between them as your position changes.
Personal
Accounts, cards, home and auto loans, savings and insurance for your household.
Explore personal
Business
Operating accounts, merchant settlement, working capital and payroll.
Explore business
Corporate & Investment
Markets, advisory, capital raising and treasury across eleven states.
Explore corporate & investment
Wealth
Private banking, managed portfolios, retirement and fiduciary services.
Explore wealth
How we work
Fees you can read on one line
Every product page on this site carries its fee, its rate range and its qualifying conditions on the page itself. You should be able to work out what something costs before you speak to anyone.
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 charges on any checking account
- Deposit rates published every Monday
- No prepayment penalty on personal credit
The group
Built in 1998, and still answering the phone
HBI Group serves 6.4 million clients across eleven states.
6.4m
Clients across personal, business, corporate and wealth
11
States with HBI branches
$140bn
Assets under custody and administration
14,000
People, of whom 3,100 work in technology
Newsroom
Research and commentary
Analysis from our economists, strategists and sector teams.
Market insight
US Macro Monitor: November 2026
Our monthly read on rates, currencies and growth across the US economy.
Read more
Personal finance
What a fixed rate really costs you
A fixed rate removes uncertainty but usually starts above an adjustable one. We run the numbers.
Read more
Sustainability
Financing the grid, not just the generation
Why transmission is now the binding constraint on American renewable energy.
Read more
Open an account
About ten minutes, and your ID
Start online, verify with a selfie, and most personal accounts are ready the same day.