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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→HSBC

Estate planning at HSBC

How to protect 10 HSBC accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims

HSBC

Subsidiary of HSBC Holdings plc

us.hsbc.com→
HSBC logo
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240

Premier (US/Canada, 24/7)
1-888-662-4722
Personal Banking
1-800-975-4722
Personal Banking (international)
716-841-7212
Mortgage Customer Service
1-855-527-8400
Premier Mortgage Customer Service
1-855-806-4660
Private Bank Mortgage Customer Service
1-855-806-4664
Lost or Stolen Cards (24/7)
1-800-462-1874
WebsiteLearn more→
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240

Premier (US/Canada, 24/7)
1-888-662-4722
Personal Banking
1-800-975-4722
Personal Banking (international)
716-841-7212
Mortgage Customer Service
1-855-527-8400
Premier Mortgage Customer Service
1-855-806-4660
Private Bank Mortgage Customer Service
1-855-806-4664
Lost or Stolen Cards (24/7)
1-800-462-1874
WebsiteLearn more→

Bereavement support (handled on the Premier line; HSBC publishes no separate estates department or bereavement mailing address)

Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240 (general deposit correspondence; Premier clients: HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240 -- confirm the correct address on the bereavement call)

Mortgage / HELOC Successor in Interest
1-855-527-8400
Legacy HSBC East Coast branch or online account, now Citizens
1-800-922-9999
Legacy HSBC California retail branch account, now Cathay Bank
1-800-922-8429
WebsiteNotify online→
Verified Jul 2026

HSBC offers 10 consumer accounts that interact with estate planning in distinct ways. Of those, 8 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.

Beneficiary designations at HSBC can be managed in branch and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.

There are two sides to estate planning at HSBC: setting things up while you're alive, and the process survivors follow after a death.

Preparing your estate

Beneficiaries and trust funding

How to update beneficiaries in-branch, fund a trust in-branch, and review 10 account types at HSBC.

View details →

When someone dies

Death claim process

8-step process, 9 required documents, and contact information for survivors.

View details →

Because HSBC serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.

Frequently asked questions

Yes -- notarization is mandatory. Download the HSBC Change or Remove a Beneficiary Package (Deposit Accounts) and print all pages. To change a beneficiary you complete the Fiduciary Account Change Beneficiary Form plus the Fiduciary Deposit Agreement; to remove the last beneficiary you complete the Fiduciary Account Change Beneficiary Form plus the Master Deposit Agreement. The package requires the Fiduciary Account Change Beneficiary Form to be notarized by a Notary Public, either at an HSBC Wealth Center or through an outside notary service. Mail the completed, notarized package to HSBC Bank USA, NA, Attn: Account Opening, PO Box 9, Buffalo, NY 14240. There is no online path for beneficiary changes. Beneficiaries on a brokerage or IRA account at HSBC Securities (USA) Inc. are handled separately, through your Wealth Relationship Manager.

SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • us.hsbc.com
  • citizensbank.com
  • cathaybank.com
  • investor.citizensbank.com

Data sourced from HSBC primary sources (21 pages reviewed). How we research.

HSBC

Subsidiary of HSBC Holdings plc

us.hsbc.com→
HSBC logo
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240

Premier (US/Canada, 24/7)
1-888-662-4722
Personal Banking
1-800-975-4722
Personal Banking (international)
716-841-7212
Mortgage Customer Service
1-855-527-8400
Premier Mortgage Customer Service
1-855-806-4660
Private Bank Mortgage Customer Service
1-855-806-4664
Lost or Stolen Cards (24/7)
1-800-462-1874
WebsiteLearn more→
Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240

Premier (US/Canada, 24/7)
1-888-662-4722
Personal Banking
1-800-975-4722
Personal Banking (international)
716-841-7212
Mortgage Customer Service
1-855-527-8400
Premier Mortgage Customer Service
1-855-806-4660
Private Bank Mortgage Customer Service
1-855-806-4664
Lost or Stolen Cards (24/7)
1-800-462-1874
WebsiteLearn more→

Bereavement support (handled on the Premier line; HSBC publishes no separate estates department or bereavement mailing address)

Phone716-841-6866
Toll-Free1-888-662-4722
Mailing Address

HSBC Bank USA, N.A., P.O. Box 9, Buffalo, NY 14240 (general deposit correspondence; Premier clients: HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240 -- confirm the correct address on the bereavement call)

Mortgage / HELOC Successor in Interest
1-855-527-8400
Legacy HSBC East Coast branch or online account, now Citizens
1-800-922-9999
Legacy HSBC California retail branch account, now Cathay Bank
1-800-922-8429
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your HSBC accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your HSBC accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Dave Ramsey on Trusts: What We Agree and Disagree On

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