HSBC Advance personal checking – Free online banking tools and services | HSBC


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As always, we are closely monitoring HSBC accounts for unusual activity and will contact you as appropriate. We strongly encourage you to monitor your transactions and notify us immediately if you see anything suspicious.

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 that turns everyday purchases into extraordinary rewards

The best times in life are enriched when you share them with the people you love most. The HSBC Advance MasterCard® credit card can make the good times with family and friends even better with 2x Rewards Program Points on dining and select entertainment purchases.

  • Designed specifically for HSBC Advance clients1
  • Limited-time offer - 20,000 Rewards Program Bonus Points after $1,500 in new, net purchases during the first three months from credit card Account opening2
  • Earn 2x Rewards Program Points on dining and select entertainment purchases
  • 0%3 Introductory APR on card Purchases and Balance Transfers for the first 6 months from Account opening
  • After the Introductory Period, a competitive variable APR of 12.99% or 16.99%3 will apply to Purchases and Balance Transfers
  • No annual fee3 and no foreign transaction fees
  • Now enhanced with security chip and PayPassTM technology

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 State4. Use your HSBC Debit MasterCard® card with no transaction fees on your purchases and no annual or monthly service fees.

Optional overdraft protection

Enjoy peace of mind when your account is protected with HSBC Select Credit® for Overdraft Protection.

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)6.

See Terms and Charges Disclosure for more information.

1 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. 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.

2 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 (3) 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 HSBC 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.

3 The information about the costs and benefits of the cards described is accurate as of 09/23/2014. The information may have changed after that date. To find out what may have changed, call 888.385.8916. The 0% Introductory APR does not apply to cash advances and overdrafts. After the Introductory Period, the variable Purchase APR of 12.99% or 16.99%, depending on your creditworthiness, will apply to credit card purchases; and a variable Balance Transfer APR of 12.99% or 16.99%, 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 Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction Fee of either $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable. There is no Annual Fee or Foreign Transaction Fee.

4 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.

5 50% discount on International Banking Center Services for opening HSBC accounts in qualifying countries outside of the United States.

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

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.

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HSBC Premier is more than just a checking account.

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