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HBI GroupBanking

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

Debit & prepaid cards

Spend what you have, with controls that actually work

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Overview

Your debit card draws on your checking account with no credit facility behind it. Prepaid cards hold a separate balance you load yourself, which makes them useful for budgets, teenagers, travel and online shopping.

Both card types can be frozen instantly, limited per channel, and replaced from the app without a branch visit.

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

  • Contactless payments without a PIN, up to a limit you set in the app
  • Virtual cards issued instantly, with the option to burn and reissue the number anytime
  • Prepaid travel cards in eight currencies, locked at the rate on load
  • Teen cards from age 13 with a parent-set monthly limit and merchant category blocks
  • Tap to pay through the digital wallet on phone and watch
  • Instant card replacement, with your new number updated automatically at participating merchants

What you need to qualify

  • Debit cards are issued with every HBI checking account
  • Prepaid cards are available to anyone 16 and over with verified identity
  • Teen cards require a linked parent or guardian account
  • Travel cards require verified identity
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.

Card fees, effective January 1, 2026.
Card typeIssue feeMonthly feeLoad / replacement
Debit cardFree with accountIncluded$12 replacement
Virtual cardFreeFreeUnlimited reissues
Prepaid everyday$5$2Free from an HBI account
Prepaid travel$12None1.75% on load
Teen cardFreeFreeFree from parent account

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.

A debit card spends directly from your checking account. A prepaid card holds its own balance, which you load; spending can never exceed what is on it.

Recurring payments charged to the card are declined. ACH payments drawn on the account itself are unaffected — they do not run through the card.

Yes, if you enable online use. By default teen cards allow in-store and contactless only, with gambling and adult categories permanently blocked.

The rate at the moment you load it, which is then locked for that balance. Spending abroad from that balance carries no further conversion fee.

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Related

You may also want

Products clients commonly hold alongside this one.

Credit cards

No interest when you pay in full, and an APR we tell you before you apply

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Personal

Ready to take this further?

Apply online in about ten minutes, or ask a banker to call you at a time that suits.

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