Exclusive banking service with HSBC Premier | HSBC

 

 

HSBC Premier

Exclusive banking access with an HSBC Premier relationship allows you to experience all that the world has to offer by connecting your finances to your life, wherever you go.

HSBC Premier Benefits

  • Investments from a leading global financial provider1
    Work toward your financial goals and plan for retirement
  • Insurance that's right for you
    Protect your family, supplement your income, leave a legacy
  • Premier Relationship Manager
    Personalized financial support whenever you need it
  • Premier Deluxe Mortgages2
    Access our best rates3 with fixed and ARM options4
  • HSBC Premier World MasterCard®
    Pay no annual fee or foreign transaction fees5

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. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained. The Annual Percentage Yield (APY) and balance for a Premier checking account which is accurate as of 04/24/2014 is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings.

1 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.

2 Premier customers will need to maintain combined personal 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. Premier Deluxe Mortgage, which has additional requirements, is available up to $3 million.

3 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.

4 Interest rate may increase per the terms stated in your adjustable rate note.

5 The information about the costs and benefits of the card described is accurate as of 04/24/2014. 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.

HSBC Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval, and require an HSBC Premier relationship. Premier World MasterCard® for Family Members credit card accounts are not eligible for these offers. To learn more, speak with an HSBC Premier Relationship Manager.

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.

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.

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.

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

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Enjoy exclusive opportunities

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Preferred rates on your next home purchase

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Explore the global benefits

†† 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
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Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard® Concierge Services1, let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard®. To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

1 The World MasterCard® Concierge Service is administered by VIPdesk. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

HSBC Bank USA, NA
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