HSBC Premier account details | HSBC

¹ 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 a 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 ATM transaction fees will not be charged at any HSBC-globally branded ATM with the exception of transactions initiated in the following countries: Argentina, Bermuda, France, Greece, Malta, Mexico, New Zealand, Panama and Turkey. However, foreign currency conversion rates may still apply to all transactions.

³ Global View and Global Transfers not available in all countries. Foreign currency exchange rates may apply.

⁴ Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from Premier Checking, Premier Asset Management, Premier Investor Money Market account, and Promotional Premier Investor Money Market 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 Dependent on your available balance; local country limitations may apply.

⁶ Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from a Premier Checking account.

⁷ The information about the costs and benefits of the card described is accurate as of June 19, 2013. The variable Purchase APR applies to credit card purchases and is 12.99%. The variable Balance Transfer APR applies to balance transfers and credit card checks and is 12.99%. 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 $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.

⁸ HSBC Premier Rewards Program rules will be supplied to all new cardmembers following the receipt of their card

⁹ Refer to the MasterCard Benefits in the Premier World MasterCard Terms and Conditions for full details about how to take advantage of these benefits.

¹⁰ Securities and Annuity products are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. In California, HSBC Securities (USA) Inc., conducts insurance business as HSBC Securities Insurance Services. License #: 0E67746. Insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., a wholly-owned subsidiary of HSBC Bank USA, N.A., and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Products and services may vary by state and are not available in all states. California license #: 0D36843. Securities, Annuity and Insurance Products are: Not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency of the United States; Not guaranteed by the bank or any of its affiliates; and subject to investment risk, including possible loss of principal invested.

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

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.

Mortgage and home equity products offered in the U.S. by HSBC Bank USA, N.A. are subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Equal Housing Lender.

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.

Deposit products offered in U.S. by HSBC Bank USA, N.A. Member FDIC.