HSBC Advance: Full Banking Services – HSBC

 

TOGETHER,
WE ADVANCE

At HSBC, we'd never claim to play a starring role in your successes, but we're here to support them in every way we can.

Making the most of Advance

Welcome to a whole new way of banking with the new HSBC Advance1

HSBC Advance New Customer Offers


Get up to $300 as a welcome deposit with qualifying banking activities.

Full Offer Details

HSBC Advance MasterCard® credit card Offer


20,000 HSBC Advance Rewards Program Bonus Points12 when you open and use a new HSBC Advance MasterCard® credit card2

Full Offer Details

Recognition and rewards

You will enjoy 2x Rewards Program Points on dining and select entertainment purchases with the new HSBC Advance MasterCard® credit card2.

Rewards

Personalize your finances

Learn how HSBC's Money Management Tools3 can help you set budgets, monitor your spending and understand your net worth at all times.

Learn more

Preferential mortgage rates7

We know that a home is so much more than bricks and mortar. With competitive mortgage rates and flexible options, your dream home could become a reality sooner than you think.

Discover how

Convenient banking, on your terms

Our secure internet and mobile banking services4 help you to stay connected to your money, wherever you are in the world.

Stay connected
HSBC Benefits Comparison Chart
For those who:

Basic Banking

Write only a few checks a month

Choice Checking

Are looking for value and convenience

HSBC Advance

Enjoy preferential rates and personalized rewards

HSBC Premier

Need exclusive products and services you can access globally

 
Minimum relationship balance

No minimum balance

$1,500 in combined U.S. personal deposit and investment balances5

$10,000 in combined U.S. personal deposit balances, investment balances, and qualifying commercial balances1

$100,000 in combined U.S. personal deposit balances, investment balances, and qualifying commercial balances6

 
Monthly maintenance fee

$3 per month, up to 8 checks or withdrawals per month at no charge then $.35 per check

$15 per month, no fee with direct deposit or if monthly minimum balance of $1,500 in combined personal deposit and investment balances is maintained5

$20 per month, no fee if monthly minimum balance of $10,000 in linked combined balances is maintained1

$50 per month, no fee if monthly minimum balance of $100,000 in linked combined balances is maintained6

 
Preferential rates

None

None

Preferential rates on Mortgages and Home Equity Line of Credit7

Some of our best rates on International Funds Transfers, Savings, Mortgages, and Home Equity Line of Credit7

 
Credit card rewards

Flexible rewards with the Platinum MasterCard® with Rewards credit card8

Flexible rewards with the Platinum MasterCard® with Rewards credit card8

2x Rewards Program Points on dining and select entertainment purchases with the new Advance MasterCard® credit card2

Our richest rewards program with travel benefits through the Premier World MasterCard® credit card9

 
International benefits

International account opening options for a fee10


Access to HSBC Group ATMs worldwide

International account opening options for a fee10


Access to HSBC Group ATMs worldwide

50% discount on International account opening10

Access to HSBC Group ATMs worldwide

Portable HSBC credit history11

Free International account opening10


Access to HSBC Group ATMs worldwide

Portable HSBC credit history11

 
Personal support

In-branch


Call center

In-branch


Call center

In-branch


24/7 priority call center

Dedicated Premier Relationship Manager

24/7 priority call center

 
Online tools and services

 

Personal Internet Banking

Mobile Banking4

 

Personal Internet Banking

Mobile Banking4

Money Management Tools3

Personal Internet Banking

Mobile Banking4

Money Management Tools3

Personal Internet Banking

Mobile Banking4

 
HSBC Advance New Customer Offers: Rules & Requirements

To receive up to $300 in welcome deposits to your HSBC Advance checking account, you must meet all HSBC Advance New Customer Primary Offer eligibility requirements. Once these requirements are met, you become eligible for the Direct Deposit Bonus Offer and HSBC's Money Management Tools3 Bonus Offer. New or existing HSBC Advance customers can also take advantage of the HSBC Advance MasterCard® credit card Offer featuring 20,000 Rewards Program Bonus Points12 ("Rewards Bonus Points").

HSBC Advance New Customer Offers require that each of the elements be met to be eligible for a gift selection. After fulfilling each of the elements, qualified customers will automatically receive a welcome deposit into their HSBC Advance checking account approximately eight weeks from March 21, 2015. Your HSBC Advance checking account must be open and in good standing at time of gift fulfillment. Limit one welcome deposit of up to $300 per customer. Limit one welcome deposit of up to $300 per joint account–the first line name on joint account is considered the customer for gift purposes. This offer is nontransferable. New Money used to qualify for this offer may not be used to qualify for any additional offer. New Money is defined as deposits not previously held by any member of the HSBC Group in the U.S. Accounts/Assets that are ineligible for inclusion in the offer or for determination of New Money include: investment and insurance products, including fixed and variable annuities; 529 College Savings Plans; any retirement accounts including but not limited to IRAs, Keogh, Simple IRAs and 401(k) Plans; corporate accounts; and revocable or irrevocable trust accounts. You may however qualify for additional offers if you use New Money. Commercial balances are excluded from offer eligible New Money, but may be used to qualify for HSBC Advance checking. The welcome deposit(s) to your HSBC Advance checking account will be reported on the applicable IRS form. HSBC reserves the right to change or terminate this offer in its sole discretion.


HSBC Advance New Customer Offers
HSBC Advance New Customer Primary Offer
Direct Deposit Bonus Offer
HSBC Money Management Tools3 Bonus Offer
HSBC Advance MasterCard® credit card Offer


HSBC Advance New Customer Primary Offer

Thank You Gift:
$200 welcome deposit to your HSBC Advance checking account

What You Need:

  • Begin a new U.S. HSBC Advance relationship by opening an HSBC Advance checking account from September 29, 2014 through November 21, 2014; AND
  • Fund your account with a minimum of $10,000 in New Money by December 21, 2014; AND
  • Maintain an average minimum balance of $10,000 in New Money deposit balance from December 22, 2014 through March 21, 2015.

Important Information:

  • The New Money balance requirement must be met by December 21, 2014.
  • Customers who held an HSBC Advance or HSBC Premier checking account between March 29, 2014 through September 28, 2014 are not eligible for this offer.
  • After all minimum funding balance requirements have been met, allow eight weeks from March 21, 2015 to receive your $200 welcome deposit to your HSBC Advance checking account.
  • Your HSBC Advance checking account must be open and in good standing at the time of gift fulfillment.
Apply Now
 
 


Direct Deposit Bonus Offer

Thank You Gift:
$50 welcome deposit to your HSBC Advance checking account

What You Need:

  • Satisfy all HSBC Advance New Customer Primary Offer eligibility requirements; AND
  • Set up direct deposit and receive three months of consecutive qualifying direct deposits into your HSBC Advance checking account by March 21, 2015.

Important Information:

  • Your qualifying direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government into your HSBC Advance checking account.
  • Current HSBC customers who received direct deposits between March 29, 2014 through September 28, 2014 are not eligible for this offer.
  • After all direct deposit fulfillment requirements have been met, allow eight weeks from March 21, 2015 to receive your $50 welcome deposit to your HSBC Advance checking account.
  • Your HSBC Advance checking account must be open and in good standing at the time of gift fulfillment.


HSBC Money Management Tools3 Bonus Offer

Thank You Gift:
$50 welcome deposit to your HSBC Advance checking account

What You Need:

  • Satisfy all HSBC Advance New Customer Primary Offer eligibility requirements; AND
  • Use HSBC's Money Management Tools to set up at least one budget or savings goal by March 21, 2015.

Important Information:

  • HSBC's Money Management Tools usage is defined as having set up a budget or savings goal after clicking the "My Money Management Tools" tab in Personal Internet Banking or accessed the tools from the HSBC Mobile Banking App. Budget or savings goal must remain active through March 21, 2015.
  • Offer available only to customers who have not used HSBC's Money Management Tools before September 29, 2014.
  • After all HSBC Money Management Tools usage requirements have been met, allow eight weeks from March 21, 2015 to receive your $50 welcome deposit to your HSBC Advance checking account.
  • Your HSBC Advance checking account must be open and in good standing at the time of gift fulfillment.
  • Visit us.hsbc.com/moneymanagementtools to learn how to set up savings and budget goals within HSBC's Money Management Tools.


HSBC Advance MasterCard® credit card Offer

Thank You Gift:
20,000 Rewards Program Bonus Points12

What you need:

  • Open a new HSBC Advance MasterCard® credit card from September 29, 2014 through November 14, 2014 and earn 20,000 Rewards Program Bonus Points ("Rewards Bonus Points") after spending $1,500 in new, net card purchases in the first three months from Account opening.

Important Information:

  • You must be a new U.S. HSBC Advance customer or existing U.S. HSBC Advance customer who did not have an HSBC Advance MasterCard® credit card as of September 29, 2014.
  • You must apply and be approved for an HSBC Advance MasterCard® credit card by November 14, 2014.
  • Can be combined with other HSBC Advance customer offers.
  • Your HSBC Advance MasterCard® credit card must be open and in good standing at the time of Rewards Bonus Points fulfillment.
 

Together, We Advance.

1 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $10,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $20 will be incurred if minimum balance requirements are not maintained. Advance customers need combined personal deposit and investment balances of at least $10,000 in the U.S. to be eligible for an Advance Deluxe Mortgage. To be eligible for an Advance Deluxe Mortgage, the Advance account must be fully funded before the closing of the mortgage.

The Annual Percentage Yield (APY) and balance for an HSBC Advance checking account which is accurate as of 10/24/2014 is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings.

Investments are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Investment Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

2 HSBC Advance MasterCard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require an HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.

3 This tool is a personal financial management service that allows certain customers to consolidate and manage their financial information by consolidating it in one place in an aggregated manner on Personal Internet Banking.

4 Requires you be registered for HSBC Personal Internet Banking and have your credentials readily available. Data charges from your mobile service provider may apply.

5 If direct deposit ceases, a $15 monthly maintenance fee will apply if balance requirements are not met. Qualifying direct deposits are electronic deposits of regular periodic payments make into your Choice Checking account through 3rd parties at least once per statement cycle. To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined U.S. personal deposit and investment balances.

6 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

7 Discounts and loan amounts depend on specific program and may require certain Premier or Advance balances, reserves, equity and automatic payment from an HSBC Premier or HSBC Advance checking account.

8 HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval.

9 HSBC Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require an HSBC Premier relationship. To learn more, speak with an HSBC Premier Relationship Manager.

10 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.

11 HSBC Premier and Advance mortgages and portable HSBC credit history are not available in all countries. Speak to an HSBC Representative to determine in which countries these benefits are available. Subject to credit approval.

12 The 20,000 Rewards Program Bonus Points ("Rewards Bonus Points") Offer applies to new, net purchases using your HSBC Advance MasterCard® credit card when you charge the qualifying amount or more within the first three months from Account opening ("Promotional Period"). The 20,000 Rewards Bonus Points Offer does not apply to balance transfers, credit card checks, cash advances or overdrafts. Your Advance MasterCard® credit card must be open and in good standing at the time of Rewards Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Rewards Bonus Points to post to your Account.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax advisor for more information.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

Equal Housing Lender Logo Equal Housing Lender

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. MasterCard International Incorporated is not a sponsor of this promotion.

†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE
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