Moving or working overseas | HSBC Business Direct

United States persons (including entities) may be 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 and entities should consult a tax advisor for more information.

¹ Subject to U.S. sanction regulations.

² To qualify for HSBC Premier status, you need to open a 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 $50.00 will be incurred if minimum balance requirements are not maintained. You have up to 90 days after account opening to meet the full $100,000 balance requirement.

³ To qualify for special rates on a Home Equity Line of Choice^SM, payment must be made via automatic payment from a Premier checking account which must be opened prior to closing. Discounts can be cancelled or subject to change at any time and cannot be combined with any offer or discount.

⁴ Premier World MasterCard: The information about the costs and benefits of the card described is accurate as of 06/19/2013. The variable Purchase APR applies to credit card purchases and is 11.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 11.99%. The variable Cash APR applies to cash advances and is 24.99%. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $0.50. A Cash Advance Fee of either $5 or 3%, whichever is greater, maximum $50 fee, will apply on each cash advance transaction. A Balance Transfer Fee of either $5 or 3%, whichever is greater, maximum $50 fee, will apply on each balance transfer and credit card check. There is no Annual Fee, Overdraft Transaction Fee, or Foreign Transaction Fee.

We may change the terms on your Account. This may include changing, adding, or removing terms. We may do this in response to the legal, business, competitive environment or other reasons not listed here. We may increase the interest rate on existing balances in limited circumstances. Changes to some terms may require at least 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Account.

⁵ Global View and Global Transfers not available in all countries. Foreign currency exchange rates may apply.

⁶ Customer service hours of operation are 6:00AM ET to 12:00AM ET.

HSBC Business Direct is a trademark of HSBC Bank plc used under license by HSBC Bank USA, N.A.

HSBC Premier World MasterCard^® credit cards are issued by HSBC Bank USA, N.A. HSBC Premier World MasterCard^® credit card requires an HSBC Premier relationship and is subject to credit approval.

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