HSBC customers have fees or minimums where One customers do not pay any fees and do not have account minimums. HSBC customers do not have the option to get paid early where One customers with qualifying direct deposits can get paid up to two days early.** HSBC customers can only earn .01 – .15% APY on their HSBC savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. HSBC customers can enroll in overdraft protection with fees where One customers can enroll in fee-free overdraft protection. HSBC customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. HSBC customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.