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 Savings account, one of our highest–yield Money Market accounts3
- 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 can have access to a Premier Relationship Manager, who serves as your conduit to the full suite of Premier benefits. Specially educated 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 other HSBC Group member locations worldwide.
Global View and Global Transfers4
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 funds between your eligible HSBC deposit accounts without any transfer fees. It's an extra dimension to Personal Internet Banking.
HSBC Premier World Debit MasterCard® card
Make purchases from your checking account anywhere that MasterCard® card is accepted and pay no foreign transaction fees. The HSBC Premier World Debit MasterCard® card is safer than carrying cash and faster than writing checks. Being Premier also means:
- No annual fee for qualified Premier customers
- Monthly rebates on qualifying non-HSBC ATM third-party surcharge fees for transactions completed in the U.S., outside NY state5
- No transaction fees at most HSBC Group member ATM locations around the globe2
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 can 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 replacement6
- Emergency cash of up to US $10,000 (or local currency equivalent) at Premier Centers and HSBC branches worldwide should your wallet be lost or stolen7
Premier Deluxe Mortgages8
Premier clients can access our best rates9 on a range of fixed and adjustable rate (ARM)10 Premier Deluxe Mortgages.
HSBC Premier World MasterCard® credit card11
Whether you're looking for a world-class rewards program or a card to use when traveling, the HSBC Premier World MasterCard® credit card lets you live life to the fullest. Exclusive to Premier clients, it rewards and protects you every time you use it.
- No annual fee11
- No Foreign Transaction Fees
- Flexible Rewards Program with first-rate shopping, dining, cash back and travel opportunities – including airline tickets with no blackout dates12
- No cap or expiration date on Reward Program 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® Insurance13
- International and Online Transaction Alerts14 – receive text or email alerts when your HSBC credit card is used to make purchases online or in a foreign country
See Terms and Charges Disclosure for more information.
1 To qualify for HSBC Premier, 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 will be incurred if minimum balance requirements are not maintained.
2 You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.
3 To qualify for HSBC Premier Savings account, you need to maintain an HSBC Premier relationship.
4 Global View and Global Transfers not available in all countries. Foreign currency exchange rates may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees.
5 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.
6 Usage restrictions apply to temporary card.
7 Dependent on your available balance; local country limitations may apply.
8 To be eligible for an HSBC Premier Deluxe Mortgage, you must: (a) be an HSBC Premier relationship customer with an U.S. Premier checking account; and (b) have combined personal deposit and investment balances of at least $100,000 USD or equivalent at any member of the HSBC Group (in the U.S. or home country). The Premier balances must be fully funded before the closing of the mortgage loan.
9 Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from an HSBC U.S. Premier checking account.
10 Interest rate may increase per the terms stated in your adjustable rate note.
11 The information about the costs and benefits of the card described is accurate as of August 29, 2016. A variable Purchase APR applies to credit card purchases and will be either 13.24% or 17.24%, depending on your credit worthiness. The variable Balance Transfer APR applies to balance transfers and credit card checks and will be either 13.24% or 17.24%, depending on your credit worthiness. The variable Cash APR applies to cash advances and overdrafts and is 25.24%. Your APRs may increase to the variable Penalty APR of 30.24% 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 Balance Transfer Fee of either $5 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $5 or 3%, whichever is greater, will apply on each cash advance transaction. A $0 Annual Fee will apply for HSBC Premier World MasterCard® credit card account clients who have a qualifying U.S. HSBC Premier1 checking account relationship. A $95 Annual Fee will apply for HSBC Premier World MasterCard® credit card Account clients who no longer have a qualifying U.S. HSBC Premier1 checking Account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no 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. However, if your payment is more than 60 days late, the Penalty APR may apply to both existing and new transactions.
12 HSBC Premier Rewards Program rules will be supplied to all new customers following the receipt of their card.
13 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with MasterCard® or HSBC Bank USA, N.A. Full details will be sent when you become a customer.
14 HSBC does not charge for this service. However, depending on your mobile service contract with your carrier, data and messaging rates may apply.
HSBC Premier World Debit MasterCard® card and Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A. HSBC Premier World MasterCard® credit cards require a HSBC Premier relationship and is subject to credit approval.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.
United States persons 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. 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. and are only available for properties located in the U.S. 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.
HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A., HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A.
Deposit products are offered in U.S. by HSBC Bank USA, N.A. Member FDIC.
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To qualify for an HSBC Premier relationship, you need to:
- Open an HSBC Premier Checking account and
- Maintain $100,000 in combined US personal deposit and investment balances
Note: Business owners may use their commercial balances to qualify for personal Premier membership. Clients who maintain the required minimum qualifying balance avoid a monthly maintenance fee of $50. Please contact Premier Service Center for information regarding qualifying commercial balances.
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