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A Cash Bonus of up to $240. That’s worth stepping into.

Be bold and explore. No borders checking account.

This offer ends January 7, 2021.

Get 3% Cash Bonus1 (up to $240) for new customers who open an eligible HSBC Advance1 checking account with qualifying activities.

This offer is available only online for applications completed using the Apply now button on this webpage. Applications submitted through other pages on our website will not qualify for this offer.

✔ Open your new HSBC Advance checking account using this offer page by January 7, 2021

✔ Set up Qualifying Direct Deposits into your new HSBC Advance checking account

✔ Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits, up to $40 per month, during the first 6 calendar months after account opening.

You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month’s qualifying activities. It's that simple.

Advance checking is subject to a monthly maintenance fee if the minimum requirements are not maintained.1

What you need to apply online

  • You must be 18 years of age and have a Social Security Number
  • Current U.S. residential address and a U.S. residential address for the past two years
  • Valid U.S. ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
  • Account information for funding your new account

Banking with local services and 24/7 support

  • Access to dedicated professionals at any time
  • With Online Banking manage your personal finances 24/7
  • No HSBC ATM fees when using non-HSBC ATMs in the U.S.2
  • Interactive online financial tools, simulators, and calculators

International support

  • Access to HSBC ATMs worldwide,2 and should your wallet be lost or stolen, get up to $10,000 USD3 in local currency at any HSBC branch worldwide
  • No Foreign Transaction fees on HSBC Credit Cards
  • Access to Global View and Global Transfers4 to easily transfer up to $200,0005 a day

Mortgages for every place called home

  • Access up to $3 million in financing on the HSBC Preferred Mortgage6
  • Options to reduce closing costs7

A credit card that makes the good times even better

  • Earn 3X Points on dining and select entertainment purchases, and 2X Points on all other purchases in the first 12 months, up to $25,000 in purchases8
  • After that, you will earn 2X Points on dining and select entertainment purchases and 1X Points on all other purchases8

1 HSBC Advance 3% Cash Bonus Offer Terms and Conditions: This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for 3% Cash Bonus (rounded up to the nearest dollar) on Qualifying Direct Deposits up to $240 ($40 max per month), during the first 6 calendar months after account opening you must: (1) open your new HSBC Advance checking account from October 1, 2020 through and including January 7, 2021 and (2) set-up recurring Qualifying Direct Deposits from a third party to an HSBC Advance checking account at least once per calendar month for 6 consecutive calendar months following account opening month. The 6 calendar months from account opening begins with the first full calendar month after your Advance checking account is opened. You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month’s qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC Advance checking account from third parties at least once per calendar month. Customers who held an HSBC consumer deposit or investment account from September 30, 2017 through and including September 30, 2020 are not eligible for this offer. All qualifying activities must be completed within the stated time frames in order to be eligible for the 3% Cash Bonus. Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities. All promotional offers, products and services offered by HSBC are subject to updates, modifications and/or termination by HSBC. Limit one 3% Promotional Offer or New Consumer Deposit Offer per customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. The 3% Cash Bonus to your HSBC Advance checking account will be reported on the applicable IRS form. To be eligible for the offer, your HSBC Advance checking account must be open without being changed to a product with lower balance requirements, and in good standing at the time of fulfillment.

To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain:

  • Balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR  
  • Monthly recurring direct deposit from a third party to an HSBC Advance checking account; OR 
  • An HSBC U.S. residential mortgage loan. Home Equity products are not included. 

A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

The Annual Percentage Yields (APYs) and balances for an HSBC Advance checking account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $5.00 or more but less than $1,000, 0.01% APY $1,000 or more but less than $3,000, 0.01% APY $3,000 or more but less than $10,000 and 0.01% APY $10,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.

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 U.S. Advance customers can obtain up to $10,000 USD or local currency equivalent after authorization by the account holding country. You will just need to show proper identification at any HSBC branch. Encashment is dependent on your available balance; local country limitations may apply.

4 Global View and Global Transfers are only available for HSBC Premier and HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

5 The maximum outbound and inbound limit for U.S. HSBC accounts is $200,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

6 HSBC Preferred Mortgage requires combined personal deposit and investment* balances of at least $10,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan.  To learn more about the Preferred Mortgage requirements contact an HSBC branch or call 844.472.2684.

7 Option to reduce closing costs through higher interest rates.

8 For the first $25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar on dining and select entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first 12 months from Account opening, whichever comes first, you will earn two (2) points per dollar on dining and select entertainment purchases, and one (1) point per dollar on all other purchases. Points do not apply to account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Advance Mastercard® credit card must be open and in good standing in order to earn points.

HSBC Advance Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Advance or Premier relationship. To learn more, speak with an HSBC branch representative.

How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). 

Mastercard is a registered trademark, and the circles design is a trademark 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.

* Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property 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 canceled or are subject to change at any time and cannot be combined with any other offer or discount.

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