Online banking
Everything the branch can do, without the line
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Overview
The HBI app does everything online banking does, plus the things that only make sense on a phone: tap to pay, mobile check deposit, cardless ATM withdrawals and biometric sign-in.
It is deliberately small and works on an older phone over a weak signal, because a banking app that only works on a flagship phone is not a banking app.
Why HBI
Every channel does the same job
Whichever way you reach us, you see the same balance and can do the same things. The app, online banking, the ATM network and the branch are four doors into one account.
We build for ordinary conditions: older phones, slow connections and people in a hurry. If something is quicker in the app than at a counter, we will tell you.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Biometric sign-in with device-bound credentials
- Tap to pay through the digital wallet on phone and watch
- Mobile check deposit: photograph a check and the first $500 is available immediately
- Cardless ATM withdrawal codes, valid for thirty minutes
- Instant card freeze, and reporting a card lost or stolen
- In-app claims for HBI insurance policies, with document upload
What you need to qualify
- An HBI account and online banking registration
- Android 8.0 or later, or iOS 14 or later
- A registered mobile number for device verification
- Biometric sign-in requires device biometric hardware
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Good to know
How we look after you
Three commitments that apply to every ways to bank product, this one included.
We never ask for your PIN
No one from HBI will ask for your password or one-time passcode by phone, email or message. Anyone who does is not us.
Changes apply immediately
Card freezes, limits and payee changes take effect the moment you confirm them, on every channel at once.
Help at any hour
The fraud and lost-card lines are answered at any hour, every day. Everything else has a published opening time and a call-back option.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Very little — a typical session uses under 200KB, so it works where the signal is weak.
Your biometric data never leaves your device and we never see it. The device confirms the match and releases a credential bound to that device.
Call us and we deregister the device immediately. Your account is not accessible from a deregistered device even with your password.
Yes, up to three devices. Each must be verified separately with a one-time passcode, and you can remove any of them from online banking.
Related
You may also want
Products clients commonly hold alongside this one.
Digital wallet & tap to pay
Your card on your phone, with the number hidden from the merchant
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Security center
How we protect you, and how to spot an approach that is not us.
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Ways to bank
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.