Premier banking for your day-to-day banking needs with HSBC Premier | HSBC

 

 

HSBC Premier

HSBC Premier banking gives you exclusive access

From global banking centers to emergency financial assistance for travelers, HSBC Premier's wide range of services make the world more accessible. HSBC Premier banking from HSBC includes a checking account that offers you more than just day-to-day banking. Clients can access our highest-earning savings accounts, receive our best rates2 on Premier Deluxe mortgages, and are eligible to apply for the best-in-class HSBC Premier World MasterCard® credit card. Savings and investment7 balances count toward the minimum balance to receive the benefits of Premier with no monthly fee.

Family eating  dinner depicting HSBC Premier banking

U.S. Mortgages

  • Our best rates2 on Premier Deluxe Mortgages
  • Up to $3 million in financing3 with fixed and ARM options4
Savings from HSBC Premier banking represented as a family gardening

Savings

  • Receive preferred rates
  • Manage accounts online
Woman shopping for shoes representing the benefits of an HSBC Premier credit card

Credit Card

  • No annual fee5
  • No foreign transaction fees6
  • Competitive Rewards Points Program6
Global support for HSBC Premier banking as depicted by a man asking directions

Global support

  • Monitor your worldwide HSBC deposit accounts using Global View11
  • Transfer funds between your worldwide HSBC deposit accounts with Global Transfers11

Premier Relationship manager

HSBC Premier banking relationship as shown by a couple in a landscape breakfast

Your HSBC Premier Relationship Manager is available to provide personalized guidance and support, recommending strategies to help you manage your finances and achieve your goals.

What to consider before making an appointment with your Relationship Manager

  • What we need to know about you
    In your first meeting, your Premier Relationship Manager will want to know about your current financial arrangements as well as your goals and aspirations for the future.
  • Documents to bring with you
    Your HSBC Premier Relationship Manager will need to verify your identity before disclosing data and discussing your banking needs.
  • Make an appointment
    Call 888.662.4722 or have us call you.

Premier home financing solutions1

Family on a boat representing the joy of home financing with HSBC Premier banking

If you're purchasing a new home or vacation property, refinancing a property or relocating to the U.S. and looking for home financing, you can expect:

  • Priority processing that provides quick turnaround
  • Our best rates2 on Premier Deluxe Mortgages
  • Up to $3 million in financing3 with fixed and ARM options4
  • Options for international borrowers with qualifying visas
  • Up to $1500 closing cost credit on Premier Deluxe Mortgages
  • Home Equity Line of ChoiceSM with preferred rates8 and no upfront closing costs9

HSBC Premier World MasterCard®

Happy woman signifying HSBC Premier banking and HSBC Premier World Mastercard credit card

Whether you are looking for a competitive Rewards Program or a card to use when traveling the globe, the HSBC Premier World MasterCard® lets you live life to the fullest. Available exclusively to HSBC Premier banking clients, it rewards you every time you use it.

  • No annual fee or foreign transaction fees5
  • Flexible Rewards Program Points with first-rate dining, cash back and travel opportunities - including airline tickets with no blackout dates6
  • No cap or expiration on Reward Points earned
  • Premier Privileges - exclusive offers from global merchants
  • Comprehensive package of Global Travel Services and benefits, including $1,000,000 in Travel Accident Insurance through MasterRental® Insurance10

To qualify for an HSBC Premier relationship, you need to open an HSBC 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 personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

1 Premier customers will need to maintain combined personal and/or qualifying commercial deposit and investment balances of at least $100,000 USD or equivalent at HSBC (in the U.S. or home country) to be eligible for Premier mortgages. To be eligible for Premier Deluxe Mortgages, the Premier account must be funded before the closing of the mortgage and eligibility for preferred rates will be affected if the minimum balance is not maintained.

2 Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from an HSBC Premier checking account.

3 HSBC Premier Deluxe Mortgage, which has additional requirements, is available up to $3 million.

4 Interest rate may increase per the terms stated in your adjustable rate note and, for both Fixed and Adjustable Rate Premier Deluxe Mortgage options, in the event you cease to maintain a required Premier relationship with HSBC Bank USA, N.A.

5 The information about the costs and benefits of the card described is accurate as of 09/19/2014. 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.

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

7 Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Third party whole life, universal life and term life insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., which is a wholly-owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.


Investment, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

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

8 Discounts can be cancelled or subject to change at any time. Discount cannot be combined with any other offer or discount. To qualify for Premier preferred rates on a Home Equity Line of ChoiceSM, payment must be made via automatic payment deduction from a Premier Checking account.

9 No closing costs are charged at account opening for a Home Equity less than $500,000. If you terminate your account within the first three years, you will have an early termination fee of $500 ($750 if the property securing the account is located in California or Virginia) plus the amount of the Mortgage Tax, Intangible Tax, Documentary Stamp Tax or Mortgage Registry Tax (NY, FL, GA, MN, OK, TN). These taxes could range from $270 to $19,900. In addition to the above, for a Home Equity greater than $500,000 (processed on an exception basis), you will be required to pay any mortgage tax-like fees associated with the amount greater than $500,000 at the time your account is established. Property and flood insurance if applicable are required.

10 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage my 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 Cardmember.

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

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 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.

Equal Housing Lender Logo 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 the U.S. by HSBC Bank USA, N.A. Member FDIC.

†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

To qualify for an HSBC Premier relationship, you are required to:

  • Open an HSBC Premier checking account and
  • Maintain $100,000 in combined U.S. personal deposit and investment balances

Clients who maintain the minimum balance avoid a monthly maintenance fee of $50.

Not ready to begin a Premier relationship?

An HSBC Advance checking account may help you get there.

Find out about HSBC checking accounts

HSBC Premier can help finance your home

If you're purchasing a new home or vacation property, refinancing a property or relocating to the U.S. and looking for home financing, you can expect:

  • A streamlined application process that provides quick turnaround
  • Options for international borrowers with qualifying visas
  • Closing cost credit on Premier Deluxe Mortgages

High-yield savings

HSBC Premier clients receive exclusive access to HSBC Premier Savings, one of our highest-yield savings accounts.

HSBC Premier Savings is available only to customers who maintain an HSBC Premier checking account in the United States.

The HSBC Premier World MasterCard®:
A world of privileges and convenience

Whether you are looking for a superior 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.

Worldwide banking assistance

With HSBC Premier, receive recognition and support at HSBC branches in many countries around the world.

As a Premier client, you will have access to a single international phone number to speak with someone fluent in your language.

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