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 MasterCard® credit card Offer

25,000 HSBC Advance Rewards Program Bonus Points when you open and use a HSBC Advance MasterCard® credit card3.

Recognition and rewards

You will enjoy 2X Rewards Program Points on dining and select entertainment purchases with the new HSBC Advance MasterCard® credit card3.

Preferential mortgage2 rates9

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.

Personalize your finances

Learn how HSBC's Money Management Tools4 can help you set budgets, monitor your spending and understand your net worth at all times.

Convenient banking, on your terms

Our secure internet and mobile banking services5 help you to stay connected to your money, wherever you are in the world.

See How Advance Compares




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 balances6 Maintain linked combined balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle1 $100,000 in combined U.S. personal deposit balances, investment balances, and qualifying commercial balances7
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 maintained6 $25 per month, no fee if monthly minimum combined balances of $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle is maintained1 $50 per month, no fee if monthly minimum balance of $100,000 in combined balances is maintained7
Competitive rates None None
  • Preferential rates on Mortgages2
  • Rate discount of .50% on Home Equity Line of Credit9
  • Our best rates on Mortgages8
  • Rate discount of 1.00% on Home Equity Line of Credit9
Credit card rewards Flexible Rewards Program with the Platinum MasterCard® with Rewards credit card10 Flexible Rewards Program with the Platinum MasterCard® with Rewards credit card10 2X Rewards Program Points on dining and select entertainment purchases with the Advance MasterCard® credit card3 Our richest Rewards Program with travel benefits through the Premier World MasterCard® credit card11
International benefits
  • International account opening options for a fee12
  • Access to HSBC ATMs worldwide
  • International account opening options for a fee12
  • Access to HSBC ATMs worldwide
  • 50% discount on International account opening12
  • Access to HSBC ATMs worldwide
  • Portable HSBC credit history13
  • Free International account opening12

  • Access to HSBC ATMs worldwide
  • Portable HSBC credit history13
Personal support
  • In-branch

  • Call center
  • In-branch

  • Call center
  • In-branch

  • 24/7 priority call center
  • Premier Relationship Manager
  • 24/7 priority call center
Online tools and services

  • Personal Internet Banking
  • Mobile Banking5


  • Personal Internet Banking
  • Mobile Banking5
  • Money Management Tools4
  • Personal Internet Banking
  • Mobile Banking5
  • Money Management Tools4
  • Personal Internet Banking
  • Mobile Banking5

To Apply for HSBC Advance:

Call 844.374.9016

1

To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

2

To be eligible for an Advance Deluxe Mortgage, Advance customers need combined personal deposit and investment balances of at least $10,000 in the U.S.; the Advance balances must be fully funded before the closing of the mortgage loan.

3

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.

4

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.

5

Requires you be registered for HSBC Personal Internet Banking and have your credentials readily available. Data charges from your mobile service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

6

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 made 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.

7

To qualify for an HSBC Premier relationship, you need to open a 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.

8

To be eligible for a Premier Deluxe Mortgage, Premier customers need comnined personal deposit and investment balances of at least $100.000 USD or equivalent at HSBC (int he U.S. or home country), the Premier balances must be fully funded before the closing of the mortgage loan.

9

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 an HSBC Advance checking account. For home equity, the Premier and Advance APR includes an auto-pay discount of 1.0% and .50%, respectively.

10

HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a U.S. HSBC deposit relationship. To learn more, speak with an HSBC branch representative.

11

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

12

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

13

HSBC Premier and Advance 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.

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. and are only available for properties located in the U.S. 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 anytime 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. through HSBC Bank USA, N.A. Member FDIC.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

†† 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

Español

Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.

廣東話

我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。

普通话

我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We are here to help. For service in all other languages, call us today toll free at 800.975.4722. For collect calls outside the U.S., contact us at 716.841.7212.

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