HSBC Premier Checking Account Full Details - Premier Banking | HSBC
A banking relationship that offers priority service, across the street or around the globe
Premier's wide range of banking services makes the world more accessible
- No monthly maintenance fee if balance requirements1 are met
- HSBC ATM access worldwide2 – most with no withdrawal fees
- Personal Internet Banking with online Bill Pay
- HSBC Premier Investor savings account, one of our highest–yield Money Market accounts
- Secure and protect vital family documents with a complementary small safe deposit box where available
Service that meets your high standards
No matter where life takes you, Premier keeps your finances within reach. You will have access to a Premier Relationship Manager, who will serve as your conduit to the full suite of Premier benefits. Specially trained to understand the unique needs of international customers, Premier Relationship Managers are available close to home and across the globe.
When every day brings a new adventure, your everyday banking can be complex. Begin a Premier relationship and travel with the knowledge that your bank understands your needs. Premier clients have access to HSBC International Premier Centers across the globe and receive priority service at HSBC locations worldwide.
Global View and Global Transfers3
Even when your HSBC deposit accounts are distributed across continents, Global View lets you monitor your eligible accounts online with a single login. Use Global Transfers to move your money between your HSBC deposit accounts without any fees. It's an extra dimension to Personal Internet Banking, available exclusively to Premier clients.
HSBC Premier Debit MasterCard®
Make purchases from your checking account anywhere that MasterCard® is accepted and pay no foreign transaction fees. The HSBC Premier Debit MasterCard® is safer than carrying cash and faster than writing checks. Being Premier also means:
- No-fee HSBC ATM access across the U.S.
- Monthly rebates on non-HSBC ATM third-party surcharge fees for transactions completed in the U.S., outside NY state4
- No transaction fees at most HSBC ATMs around the globe
Emergency financial support for travelers
Around the corner or around the globe, Premier makes sure you're prepared for every possibility. You can travel with confidence knowing you'll receive on-the-spot financial support with one emergency number to call, no matter where you are.
- 24/7 emergency financial assistance anywhere in the world from a representative who understands your needs and speaks your language
- Instant card cancellation and next-day temporary HSBC Premier World MasterCard® credit card replacement
- Emergency cash of up to US $2,000 in local currency at Premier Centers and HSBC branches worldwide should your wallet be lost or stolen5
HSBC Premier clients receive preferred terms on mortgages6.
HSBC Premier World MasterCard®7
Whether you're looking for a world-class rewards program or a card to use when traveling, the HSBC Premier World MasterCard® lets you live life to the fullest. Exclusive to Premier clients, it rewards and protects you every time you use it.
- No annual fee7
- No Foreign Transaction Fees7
- Flexible rewards program with first-rate shopping, dining, cash back and travel opportunities – including airline tickets with no blackout dates8
- No cap or expiration date on Reward Points earned
- Premier Privileges – exclusive offers from over 2,800 global merchants
- Comprehensive package of Global Travel Services and benefits, including $1,000,000 in Travel Accident Insurance through MasterRental® Insurance9
- International and Online Transaction Alerts – receive text or email alerts when your HSBC credit card is used to make purchases online or in a foreign country
As an HSBC Premier client, you'll benefit from a comprehensive approach to wealth management that not only provides personalized strategies, but also solutions designed to help with your financial future. With our global knowledge and local solutions, we are fully dedicated to helping you build your finances. Find out more about our investment services today.
See Terms and Charges Disclosure for more information.
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. Please contact Premier Service Center for information regarding qualifying commercial balances. 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 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 October 25, 2014. 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.
To qualify for an HSBC Premier relationship, you are required to:
- Open an HSBC Premier Checking account and
- Maintain $100,000 in combined US personal deposit and investment balances
Not ready to begin a Premier relationship?
HSBC Advance can help you get there.
Note: Business owners may use their commercial balances to qualify for personal Premier membership. Clients who maintain the required minimum balance avoid a monthly maintenance fee of $50. Please contact Premier Service Center for information regarding qualifying commercial balances.
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