Approval Guidelines - Prohibited List

  • Adult Sexually Oriented Materials:
    • Adult Book Stores
    • Adult Telephone Conversations
    • Companion Services
    • Dating Services
    • Massage Parlors
    • Topless Bars
    • Home Based Parties
  • Air/Water Purification Systems – MLM Business Opportunities
  • Airlines/Travel Agencies (other than services fees under $50.00)
  • Attorneys/Law Firms engaged principally in the practice of Bankruptcy Law
  • Auto Rentals
  • Auto Warranties
  • Business/Investment Opportunities/Business Consulting
  • Businesses with Door to Door Sales (examples: vacuums)
  • Buying/Shopping/Discount Club
  • Cellular/Telephone airtime
  • Charter/Tours
  • Check Cashing Services
  • Collection Agencies/Firms Involved in Recovering Past Due Receivables
  • Computer Bulletin Boards
  • Consulting Firms or Companies Operating for "Get Rich Schemes"
  • Credit Repair/Restoration
  • Cruise Lines
  • Currency Exchanges
  • Direct Outbound Telemarketing
  • Drug Paraphernalia
  • Escort Services
  • Firearms, Alcohol, Tobacco sales – MOTO/Internet
  • Free Trials, consumer pays for shipping but is later billed for product
  • Future Services exceeding 1 Year
  • Gambling - Racing, Car, Dog, Horse, Sports
  • Hair Restoration Products
  • Import/Export Businesses
  • Iphone Applications
  • Knockoff Merchandise – MOTO/Internet
  • Lead Generator
  • Liquidators - furniture/wholesale
  • Lotteries
  • MLM Business Opportunities/Multi-Level Marketing Distributions
  • Medical Discount Benefit Cards
  • Modeling Agency
  • Mortgage Reduction/Modification Services
  • Mortgage/Finance Payments/Grant Funding
  • Online Auctions
  • Pay Per Click Web Merchants “Parked Websites”
  • Payday Loans
  • Pharmacies - non face to face transactions
  • Products with Unreasonable Guarantees
    • e-cigarettes
    • magnetic bracelets
  • Psychic Services - retail and moto
  • Pseudo-Pharmaceuticals
    • Anti-Aging Pills
    • Sex Nutrients
    • Herbal supplements
    • Diet Pills
    • Acai Berry
  • Pyramids/Ponzi Schemes
  • Real Estate Wholesale Consultants
  • Sports Forecasting
  • Telemarketing Companies with the Following Method of Operation:
    • Free Gift/Prize or Sweepstakes if Product or Services is Purchased
    • Chain Letters
    • Sales of any Product or Services for a 3rd Party
    • Sale of any Product or Services which are Prohibited or Restricted
    • Solicitation with Outbound Telephone Calls or Faxes
  • Time Shares
  • Ticket Brokers
  • Used Car Sales
  • Web Templates

AmeriBanc National (ABN) is a Member Service Provider for HSBC Bank USA, National Association, Buffalo, NY