Based on their last 3 surveys, the Canadian Federation of Independent Business (CFIB) has ranked HSBC Bank Canada as the Best Bank for small business¹.

HSBC Business Direct is about convenience and saving your business money. HSBC Business Direct lets you do most of your business day-to-day banking online, over the phone or through our ATM network, and gives you access to banking professionals to further support your business’ short and long-term goals – with no monthly fee.

Being able to access to your business accounts whenever you want, from wherever you want, saves you valuable time and money that can be better spent on growing your business.

HSBC Business Direct offers you and your business all the services and transactions a typical small business needs to manage its day-to-day banking, including:

• No monthly fee
• Unlimited free access to Business Internet Banking³, ATM²and Business Telephone Banking³, including free transfers between your accounts, bill payments and electronic deposits and withdrawals
• 20 free cheques deposited per month
• Write up to 20 cheques free per month
• 24/7 automated assistance from the HSBC Business Centre
• Access by phone to highly trained Relationship Managers who can help you achieve your business goals
• Free Business Internet Banking upgrade to provide international wire capability³
• For a complete list of all products and services and pricing details, see our Business Service Charges brochure

Quite simply, HSBC Business Direct saves your business valuable time and money on the core banking products, services and support a typical small business needs. It also gives you access to highly trained staff to help you determine the best banking solutions to suit your business goals.

You can call the HSBC Business Centre at 1-866-808-HSBC (4722) and speak with a Business Banking Specialist about your day-to-day banking needs.
As an HSBC Business Direct customer, you can also speak with a Relationship Manager who is specifically trained to help with more complex business banking needs and support your long-term business goals by calling the HSBC Business Centre at 1-866-808-HSBC (4722).

You can access your up-to-the minute account transaction history 24/7 through HSBC Business Internet Banking. In addition, you will receive a monthly statement by mail.

If you deposit all five cheques at a branch using one common cheque deposit slip, the deposit will be treated as one transaction (a $5.00 activity fee will be applied accordingly) and five cheque deposit items, if relevant. If your business is within the 20 free cheques deposited per month limit for the HSBC Business Direct account, deposit content fees will not be applied. However, 5 of your monthly 20 free cheque deposits will have been used. If the business has already deposited 20 cheques within the same month, your business will be charged $0.18 per each additional cheque.

The HSBC Business Centre provides person-to-person support for HSBC Business Banking customers. To speak with a Business Banking Specialist for help with your day-to-day transactions and enquiries, or a Relationship Manager for support of all your other banking needs, call 1-866-808-4722 (HSBC).

The automated service at the HSBC Business Centre is available 24/7. Business Banking Specialists are available by phone from 8:30 a.m. to 11 p.m. ET/ 5:30 a.m. to 8 p.m. PT Monday to Friday.

The services available through the automated service include:

• Enquiries about products, rates and services offered by HSBC Bank Canada to business customers;
• Balances and transactions; and,
• Statement requests.

Business Banking Specialists are available to help with complete financial transactions from 8:30 a.m. to 11 p.m. ET/ 5:30 a.m. to 8 p.m. PT Monday to Friday. These transactions include:

• Transferring funds;
• Bill payments;
• Investing or renewing Term Deposits and GIC’s;
• Stop-payment orders; and
• Help with investigations, replacing bank cards, and managing lost or stolen bank cards.

Yes. The HSBC Business Centre supports business loan applications including: term loans, operating lines, and HSBC BusinessVantage^TM MasterCards^® up to $100,000.

Yes. With the right connections, you can open your business up to a world of opportunity. At HSBC, we can connect you and your business to a global network of 8,600 relationship managers, providing support and advice in over 60 countries and territories in the areas of:

• International payments and cash management;
• Importing/ Exporting;
• Managing foreign exchange;
• Managing international risk;
• Traveling internationally; and
• Opening an account in a different country.

• Transfer money between your accounts
• Schedule bill payments
• Wire money to third parties
• Stop cheques
• Download account details to your accounting software
• View online cheque images
• Customize account and user controls (authorize others to perform transactions)

It is a two step process to complete the User Registration:
1. To register by phone, simply contact the HSBC Business Centre at 1-866-808-HSBC (4722). Following registration, representatives of your business who have been assigned as your Business Internet Banking System Administrators will receive a Business Internet Banking ID and activation code via email (to the email address(es) provided) . In addition, within 7-10 days, each System Administrator will receive a Security Device to be used to register online (see Step 2).

2. Within seven to ten business days you will also receive a Welcome Package in the mail with instructions on how to set-up your Business Internet Banking service, which includes agreeing to our Business Internet Banking Terms and Conditions and confirming the completeness and accuracy of the attached Business Internet Banking Application form online.

3. Next, each System Administrator is required to create his/her online profile (user name, verification questions and password) using the Business Internet Banking ID and Activation Code. You will be required to activate your Security Device (“Token Activation Setup”) by following a few easy steps to complete the online registration.

There are step-by-step instructions online to help you through the online registration process, but if you require additional help you can simply call the Business Internet Banking support line at 1-866-808-HSBC (4722), Monday to Friday, 8:30 a.m.-8:00 p.m. ET / 5:30 a.m.-5:00 p.m. PT.

Yes. Help is available to you on every page. Just click on ‘Help’ in the left navigation and you’ll see a list of help topics. Simply click on the one you need.

You must complete the User Registration process (see details above). Once you are registered, you will use your username to logon to Business Internet Banking anytime, from anywhere.

HSBC Bank Canada has implemented strict security measures to help protect the privacy and confidentiality of your financial information through the use of security credentials including a Security Device, 128-bit encryption, and user names and verification answers.

There are additional steps you can take to protect yourself while using Business Internet Banking. Learn more about Business Internet Banking security.

A Primary User, also known as a System Administrator, is the person who has the ultimate responsibility and authority to use and access a business’ profile on Business Internet Banking. Usually the business owner or manager, the Primary User has access to all Business Internet Banking services and functions, including the authority to set up access for other users (Secondary Users) and establish their transaction limits.

Primary Users must be a signing authority for all accounts under their Business Internet Banking profile.

A Secondary User is any person authorized by the Primary User to access and use Business Internet Banking for the day-to-day running of accounts. The Primary User sets up - and amends when necessary - the Secondary User’s access rights and transaction limits in the Business Internet Banking profile.

Primary Users (or System Administrators) with Sole Control have the authority to add, or change, User Access or Account Control on their own. Primary Users with Dual Control need the approval of a second System Administrator to make changes to the Business Internet Banking profile.

Chequing and savings account balances are up-to-the-minute and available online 24/7 to authorized users.

You can access all account activities for the past 180 days.

You can view all cheques that have cleared (Canadian dollar or US dollar accounts held in Canada) through your HSBC Bank Canada business accounts over the past 100 days.

You can view cheques that are more than 100 days old by submitting a separate request to retrieve the cheque image at an additional per-item charge. Please refer to the HSBC Commercial Service Charges brochure for applicable fees for this service, available at your local branch or online at Business Service Charges brochure.

• Pay bills
• Check account balances
• Transfer money between accounts
• Transfer money to a third party (wire payment)
• Request account statements
• Order cheques

Call the HSBC Business Centre at 1-866-808-HSBC (4722) to set up your Telephone Banking access. For your protection, you will be prompted to answer security questions to verify your identity prior to setting up personalized access information. You will then be able to complete transactions over the phone.

With your HSBC Bankcard you can:
• Access HSBC ATMs in Canada and throughout the HSBC Group
• Access ATMs in most countries, worldwide
• Make Surcharge-free withdrawals at HSBC or THE EXCHANGE^®1 network ATMs in Canada²
• Access to Interac^®2, Cirrus^®3, THE EXCHANGE or Global Access ATM network
• Use Interac Direct Payment, to conveniently buy merchandise

Call the HSBC Business Centre at 1-866-808-HSBC (4722) to apply for an HSBC BankCard. For your protection, you will be prompted to answer a number of security questions prior to setting up your personalized access information.