HSBC Advance Checking details | HSBC
Enjoy the enhanced benefits and services of a banking relationship
Banking as mobile as you are
With Personal Internet Banking and HSBC Mobile Banking, you can manage and access your HSBC accounts quickly and securely from virtually anywhere in the world:
- View your balances and transaction history
- Transfer funds between your HSBC accounts
- Pay bills to virtually anyone in the U.S.
- Locate ATMs and branches
- Send and receive secure BankMail
Tools to help you make the most of your money
HSBC provides a complete view of all your finances through EasyView. This tool brings together your HSBC and non-HSBC accounts onto one page with one password, giving you total account access to your online portfolio- including bank accounts, credit cards, mortgages, loans, investment accounts, online shopping, and more.
You can also use our calculators to learn more about buying a home, growing your wealth, or saving for the future.
A credit card with rewards to suit your needs
When you choose HSBC's Platinum MasterCard® with Cash or Fly Rewards, your card will take you even farther on life's journeys. Earn Reward Points that can be used towards your choice of cash back or air travel rewards and benefit from our competitive everyday rates.
- No annual fee1
- No foreign transaction fees1 on card purchases made in a foreign currency
- 0%1 Introductory APR on credit card purchases and balance transfers for 12 months from Account opening. After that, a variable APR of 12.99%, 16.99% and 22.99%1, will apply
- Additional cards for family members at no additional cost1
Access to your money when you need it
Make purchases directly from your HSBC checking account without having to write a check and enjoy 24-hour access to your accounts from any ATM. As an HSBC Advance customer, you'll receive up to three rebates per month on non-HSBC ATM third-party surcharges in the U.S. outside of New York State2. Use your HSBC Debit MasterCard® card with no transaction fees on your purchases and no annual or monthly service fees.
International banking support
Don't let an ocean come between you and your finances. With HSBC Advance, you receive 50% off our International Services5, making it easier to open bank accounts in qualifying countries outside of the United States.
Use Wire Transfers to quickly send funds from your eligible U.S. HSBC accounts across the street or around the globe and, as an HSBC Advance client, you'll also enjoy competitive foreign exchange rates on international Wire Transfers.
Discounted rates to help you save more
Your HSBC Advance checking account entitles you to great savings on a Home Equity Line of Credit (HELOC)5.
See Terms and Charges Disclosure for more information.
1 HSBC Platinum MasterCard® with Cash or Fly Rewards: The information about the costs and benefits of the card described is accurate as of 12/09/2013. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, a variable Purchase APR of12.99%, 16.99% or 22.99%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 12.99%, 16.99% or 22.99%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts 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 $1.00. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of $10 or 4%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual 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.
2 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.
3 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain $15,000 in combined U.S. personal deposit and investment balances. A monthly maintenance fee of $20.00 will be incurred if minimum balance requirements are not maintained.
4 50% discount on International Banking Center Services for opening HSBC accounts in qualifying countries outside of the United States.
5 Discounted rates on Home Equity products are subject to credit approval and require automatic payment from an HSBC checking account. Discounts subject to change or cancellation at any time and cannot be combined with any offer or discount. Discounts not available on loans obtained through dealers, brokers and other third parties or on introductory rates.
HSBC Credit Cards are issued by HSBC Bank USA, N.A. Subject to credit approval.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
United States persons (including U.S. citizens and residents) 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 including, for example, Form TD F 90-22.1, (Report of Foreign Bank and Financial Accounts ("FBAR")). U.S. persons should consult a tax adviser 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.
Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
HSBC Premier is more than just a checking account.
Begin an HSBC Advance Relationship1 and open an HSBC Platinum MasterCard® with Cash or Fly Rewards2 and you may be eligible to receive up to 10,000 Cash or Fly Rewards Program Bonus Points.Learn More
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