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Everyday banking

Accounts and cards for salaries, spending and day-to-day money — with fees you can read on one line.

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Open an account in about 10 minutesStart online with your Social Security number, a photo ID and a selfie. Most personal accounts are ready the same day.

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Accounts & payments

Operating accounts, collections and payroll for businesses from first invoice to first hundred staff.

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One account, every channelCard, ACH and instant payments settle into the same business account by 7 a.m. the next morning.

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Global markets

Rates, currency, credit and commodity risk management across US and international markets.

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Pricing in 38 currenciesSpot, forward and option pricing in every major currency and the main emerging markets.

Global markets

Private banking

A named banker, consolidated reporting and credit that understands an illiquid balance sheet.

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From $250,000 annual incomePrivate banking qualification is based on income or investable assets. Both routes are published.

Private banking

Who we are

A banking group built in 1998 around a simple idea: say the price, then keep to it.

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Our 2026 resultsGroup results, the annual report and the climate disclosure, all in one place.

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Personal

CDs & money market accounts

Commit for a term, lock the rate for the whole of it

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Overview

Open a certificate of deposit for a term you choose and the rate is locked on the day you open it. Nothing the Federal Reserve does afterwards changes what you earn.

If you would rather keep some flexibility, a money market account pays close to CD rates and lets you withdraw at any time, with check-writing included.

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.

More about personal
What you get

Everything that is included

The full list, not the highlights. If something is not here, it is not included.

Features

  • CD terms from 3 months to 60 months
  • Money market accounts with instant top-ups and check-writing
  • FDIC insured up to $250,000 per depositor, per ownership category
  • Automatic renewal at maturity, at the rate then published, unless you tell us otherwise
  • Maturity reminders fourteen days before the term ends, and a ten-day grace period after it
  • CDs can be held inside a Traditional or Roth IRA

What you need to qualify

  • An HBI checking or savings account for interest and maturity payments
  • Minimum $500 for CDs, $100 for money market accounts
  • Social Security number or ITIN, and a government-issued photo ID
  • Available to individuals, trusts, estates and associations
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.

Annual percentage yields (APY) for deposits of $10,000, published January 5, 2026. Yields vary by amount and term.
TermInterest paid monthlyInterest at maturity
3 months3.90%3.95%
6 months4.15%4.20%
12 months4.40%4.50%
24 months4.20%4.30%
60 months4.10%4.25%
Money market3.85%—

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 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.

Yes, but early withdrawal carries a penalty of up to 90 days’ interest on terms of a year or less and 180 days on longer terms, and the CD closes in full. A money market account avoids this.

We renew at the rate then published for the same term unless you instruct otherwise. You are reminded fourteen days ahead and have a ten-day grace period after maturity to withdraw without penalty.

No — a CD is a single deposit for a fixed term. Money market accounts accept deposits at any time.

Yes. Deposits are insured by the FDIC up to $250,000 per depositor, per ownership category.

Ask us something else
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