Personal checking account comparisons | HSBC

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HSBC Premier

HSBC Advance

Choice Checking

Basic Banking

 
Key details        
 
Ideal when you:

Need exclusive products and services you can access globally

Want a banking account that helps make more out of your money

Are looking for value and convenience

Write only a few checks a month

 
Monthly maintenance fee

$50 per month, no fee if monthly minimum balance is maintained1

$20 per month, no fee if monthly minimum balance is maintained2

$15 per month, no fee with direct deposit or if monthly minimum balance is maintained3

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

 
Monthly minimum balance

$100,000 in linked combined balances1

$10,000 in linked combined balances2

$1,500 in combined personal deposit and investment balances 3

None

 
Free Personal Internet Banking with Bill Pay

Yes

Yes

Yes

Yes

 
Free HSBC Debit MasterCard® Card

Yes

Yes

Yes

Yes

 
No fees at domestic HSBC ATMs

Yes

Yes

Yes

Yes

 
Monthly rebates on qualifying non-HSBC ATM surcharges in the U.S outside of New York State

Yes

(see disclosure4)

Yes

(see disclosure5)

No

No

 
Select Credit® overdraft protection

Optional - Learn more

Optional - Learn more

Optional - Learn more

Optional - Learn more

 
eStatements

Available - Enroll now

Available - Enroll now

Available - Enroll now

Available - Enroll now

 
Great rates on relationship savings accounts

HSBC Premier Savings

HSBC Advance Online Savings

   
 
HSBC International Services

Complimentary

50% discount on account opening and credit transfer services6

Available for a fee

Available for a fee

 
Relationship Manager

Yes

No

No

No

 
No foreign transaction fees on debit card purchases

Yes

No

No

No

 
HSBC Premier World MasterCard® Card

Yes

No

No

No

 
Terms and Charges

Terms and Charges *

Terms and Charges *

Terms and Charges *

Terms and Charges *

 
Online Disclosures

Online Disclosures

Online Disclosures

Online Disclosures

Online Disclosures

Additional Account Benefits        
 
No fee for official checks

Yes

No

No

No

 
Free select style checks

Yes

Yes

No

No

 
Mortgage, HELOC and personal loan discounts

Yes, our best rates

Yes, attractive rates

No

No

 
Earn interest on qualifying checking balances

Yes

View Rates

Yes

View Rates

No

No

1 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 $50.00 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.

2 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.

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

3 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 personal deposit and investment balances.

4 Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC Premier checking, Premier Asset Management, and HSBC Premier Savings account. HSBC will rebate qualifying ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

5 Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC Advance checking. HSBC will rebate up to three qualifying ATM third-party surcharge fees incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

6 50% discount on International Banking Center Services for opening HSBC accounts in qualifying countries outside of the United States.

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

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

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Have a question?

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800.975.4722

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†† 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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