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Contact HSBC — 8-step process, 8 required documents, and varies based on complexity, jurisdiction, and completeness of documentation

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240
HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240
Death Claims / Bereavement
ATTN: Legal Paper Processing, HSBC Bank USA, N.A., 2929 Walden Ave, Pole C84, Depew, NY 14043
When a HSBC account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with HSBC's Death Claims / Bereavement (716-841-6866) to access and distribute the funds.
HSBC provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Here is the step-by-step death claim process at HSBC:
International callers: 716-841-6866. Documentation requirements vary by state. Separate guidance available for estates involving non-U.S. resident decedents, including transfer certificates. You can also book an appointment with a Wealth Relationship Manager through the HSBC online dashboard at us.hsbc.com/online/dashboard.
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower's revocable trust.
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), HSBC cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules. For hardship and loss mitigation: HSBC SPOC Team at 1-855-806-4657. Premier mortgage service: 1-855-806-4660. General bereavement line: 1-888-662-4722.
Processing timelines at HSBC: Varies based on complexity, jurisdiction, and completeness of documentation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
HSBC requires several documents to process a claim, including Certified death certificate, Letters Testamentary or Letters of Administration or Certification of Appointment, and Government-issued photo ID (passport or driver's license) for personal representative, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Call HSBC's dedicated bereavement line at 1-888-662-4722 (available 24/7) or book an appointment with a Wealth Relationship Manager through the HSBC online dashboard. You will need the deceased customer's full legal name, Social Security number, and information about your role with the estate. For international calls: 716-841-6866. Detailed guidance is available at us.hsbc.com/help/bereavement/.
HSBC typically requires a certified death certificate, Letters Testamentary or Letters of Administration, valid government-issued photo ID, and certified proof of residential address for the personal representative. Requirements vary by state. For small estates, a small estate affidavit may be accepted. For non-U.S. resident decedents, additional transfer certificate requirements may apply.
HSBC's Death Claims / Bereavement can be reached by phone at 1-888-662-4722 for questions throughout the claims process.
If the deceased held multiple HSBC accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Bereavement can confirm which accounts require individual attention and which can be processed together.

HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240
HSBC Premier Service Center, P.O. Box 22, Buffalo, NY 14240
Death Claims / Bereavement
ATTN: Legal Paper Processing, HSBC Bank USA, N.A., 2929 Walden Ave, Pole C84, Depew, NY 14043
Calculators and checklists to help navigate estate settlement after a HSBC account holder passes away.
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