Details | Choice Checking Account | HSBC


Choice Checking

We understand meeting your day to day needs are as important as receiving everyday value. Choice Checking gives you both, along with valuable access to all HSBC has to offer.

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A checking relationship that saves you money and gives you more.

    • Free with direct deposit or by maintaining a monthly balance of at least $1,500 in combined personal deposit and investments balances1
    • Free HSBC Debit Mastercard® Card
    • Access to HSBC ATMs worldwide2, most with no withdrawal fees
    • Free online and mobile banking
    • Access to advice from experts at HSBC
    • View your account balances and transactions
    • Move money easily between your eligible HSBC and non-HSBC deposit accounts
    • Pay bills securely and for free, with an on-time guarantee3

    New to Personal Internet Banking?

    Learn more
    • Manage your money 24/7 from your mobile device
    • Transfer funds between your eligible HSBC accounts
    • Deposit checks with the tap of your phone4

    Interested in Mobile Banking?

    Learn more
  • An HSBC Everyday Savings account is a good place to start to move beyond your everyday banking needs.

    • Set up automatic savings transfers from your Choice Checking account
    • Withdraw or deposit funds at any HSBC ATM in the U.S

    Ready to move beyond your daily banking needs?

    Learn more
  • HSBC Gold Mastercard® credit card

    • Manage your finances without losing sight of what life is all about. The HSBC Gold Mastercard® credit card delivers the extra spending power you need.

    HSBC Cash Rewards Mastercard® credit card

    • Turn the rewards you earn on everyday purchases into something more meaningful – an experience. With the HSBC Cash Rewards Mastercard® credit card it's not just more cash back, it's more ways to build memories.
    Learn more
    • Loans of up to $424,100 for a single-family property
    • Special mortgage programs for first-time homebuyers

    Are you considering home financing?

    Learn more
  • Avoid returned or declined transactions with Select Credit.

    • When linked to your HSBC checking account, available funds are automatically transferred in the event your checking account becomes overdrawn.
    • You can also use Select Credit for other purposes, including: debt consolidation, home improvements, vacations, and more.

    You can apply either in branch or over the phone.

    Learn more
  • Access planners, calculators and budget advice to help you build your financial goals.

See Terms and Charges Disclosure for more information.

1 If Direct Deposit ceases, a $15 monthly maintenance fee will apply if balance requirements are not met. Qualifying Direct Deposits are electronic deposits of regular periodic payments made into your Choice Checking account through 3rd parties at least once per statement cycle. To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined personal deposit and investment balances.

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 Under the Bill Pay ‘on-time’ guarantee, HSBC will bear the responsibility for any late-payment-related charges should an online bill payment arrive after its due date as long as you scheduled the transaction in accordance with the HSBC Personal Internet Banking Terms and Conditions. This guarantee does not apply to business clients using Bill Pay.

4 In order to view your accounts via the HSBC Mobile Banking App and use HSBC Mobile Check Deposit, you need to be registered for HSBC Personal Internet Banking. App available for iPhone®, iPad®, and AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM. Camera in device required to be able to utilize HSBC Mobile Check Deposit. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of google Inc. App Store is a service mark of Apple Inc. Data rate charges may apply. HSBC Bank USA, N.A. is not responsible for these charges.

5 If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits.

HSBC Credit Cards are issued by HSBC Bank USA, NA., subject to credit approval.

Select Credit Accounts are issued by HSBC Bank USA, N.A., subject to credit approval, and require a qualifying deposit relationship with HSBC Bank USA, N.A.


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. 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.

Equal Housing Lender Logo Equal Housing Lender

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

Wall Clock representing online bill payment

Online Bill Pay

Enjoy the ease and convenience of paying your bills online, anytime.

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Have a question?

Call our Customer Relationship Center

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:


Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.


我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。


我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

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