Don’t miss out. This offers ends December 31, 2019

We invite you to take advantage of our Welcome Deposit offer for eligible new customers of up to $750 for opening an eligible new HSBC checking account with qualifying activities. Just choose the account that best suits your needs.

These offers are 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.

Premier Checking

Ideal when you need exclusive products and services you can access globally

Get $7501 with a new HSBC Premier1 checking account and qualifying activities.

Advance Checking

Ideal when you want a banking account that helps make more out of your money

Get $35011 with a new HSBC Advance11 checking account with qualifying activities.

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

For a limited time, we invite you to take advantage of our Welcome Deposit offer of $7501 for starting a new Premier relationship by opening a new HSBC Premier checking account with qualifying activities.

✔ Open your new HSBC Premier checking account online, using this offer page, by December 31, 2019; and

✔ Make recurring Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) per calendar month; and 

✔ Receive monthly Direct Deposits totaling at least $5,000 into your checking account for 3 consecutive calendar months from the second full calendar month after account opening
 

You will automatically receive the $750 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.

No Fees
  • Everyday banking
    No fees on everyday banking transactions2
  • No wire transfer fees3
    No incoming4 or outgoing5 wire transfer fees
  • No foreign transaction fees
    No foreign transaction fees on your Premier debit or credit card
  • No ATM fees
    No U.S. HSBC ATM fees6 worldwide and unlimited Third Party ATM rebates within the U.S.7
No Hassle
  • Flexible eligibility
    Flexible eligibility criteria1, making it easier to become a Premier client
  • Shared Premier status
    Ability to extend your Premier status to up to four family members8
  • Do business on your terms
    Choose how, when and where you want to do business with your dedicated Premier Relationship Manager
No Borders
  • Emergency cash worldwide
    Emergency cash of up to U.S. $10,0009 or local currency equivalent at HSBC Premier Centers and HSBC branches around the world should your wallet be lost or stolen
  • Global Premier status
    Automatic Premier status in all countries where you bank with HSBC affiliates.
  • Global View and Global Transfers10
    Access your eligible worldwide HSBC deposit accounts online and transfer funds between them

HSBC PREMIER CHECKING ACCOUNT

1 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 the HSBC $750 Welcome Deposit you must: (1) open your new HSBC Premier checking account online by December 31, 2019, (2) make recurring Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) per calendar month and (3) receive monthly Direct Deposits totaling at least $5,000 into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. The 3 calendar months from account opening begins with the second full calendar month after your Premier checking account is opened. You will automatically receive the $750 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all 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 Premier checking account from third parties at least once per calendar month. Customers who held an HSBC consumer deposit or investment account from July 31, 2016 through and including July 31, 2019 are not eligible for this offer. Customers who maintain(ed) a HSBC Mortgage and/or Credit Card without a consumer deposit or investment account are eligible. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. 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. HSBC reserves the right to change or terminate this offer at its sole discretion. Limit one Welcome Deposit per customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Premier checking account will be reported on the applicable IRS form. Your HSBC Premier checking account must be open and in good standing at time of gift fulfillment. 

To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $75,000 in combined U.S. Dollar personal deposit accounts and investment balances* OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained. The Annual Percentage Yields (APYs) and balances for eligible interest-bearing HSBC Premier checking accounts which are accurate as of {{currentDate}} 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.

2 A monthly maintenance fee may apply if certain requirements are not maintained. No HSBC U.S ATM fees when using a third party ATM and unlimited rebates from third party ATM fees in the U.S. Legal Processing fees may apply.

3 For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction.

4 Incoming wire transfers may be subject to fees from non-HSBC financial institutions. Please check your account terms and charges for further details. HSBC is not responsible for these charges.

5 Your instruction to transfer funds from your account to a third party is a Payment Order. The Bank is authorized, at its option, to charge your account in the amount of any Payment Order and to execute a Payment Order, even if the Payment Order conflicts with any other instructions received by the Bank from you (unless your transfer is a remittance transfer, as defined in Subpart B of Regulation E [12 CFR section 1005.30], in which case additional rules apply which will be provided in the disclosures we give you when you use that service) or results in an overdraft or payment to or for the benefit of a person authorized by you to sign checks or transfer funds for you. If there are not sufficient available funds in your account, the Bank may, without prior notice or demand, charge any account maintained by you with the Bank or setoff against any amount the Bank owes you in order to obtain payment of your obligations. By submitting this form, you are rejecting the Level One Security Procedures offered by the Bank and choosing the Level Two Security Procedures described in the FUNDS TRANSFERS section of the Bank's Rules for Consumer Deposit Accounts Rules, which you acknowledge are commercially reasonable pursuant to Section 4A-202(c) of the Uniform Commercial Code unless remittance transfer rules apply. 
Eligible accounts include all deposit accounts except for CDs and Commercial Accounts.
Federal Reserve Reg D Transaction Limitations apply.

If the payment order for your transfer (domestic or international remittance) includes an incorrect account number or recipient institution identifier, you could lose the transfer amount.
Refer to the Pre-Payment and Receipt Disclosures for the fee amounts of the applicable Funds (Wire) Transfer-Out - Domestic [Transfer Fees] and the Funds (Wire) Transfer-Out - International [Transfer Fees].
Not all currencies are available. Please see the list of currencies at the time of the transaction.

6 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.

7 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings account, and HSBC Promotional 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. 

8 You may link qualifying accounts to help avoid some fees and extend relationship benefits to those accounts. If you do not maintain one of the requirements for the monthly maintenance fee waiver, the linked qualifying accounts may also be charged a monthly maintenance fee. By linking qualifying accounts, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware of the other parties monthly maintenance fee status, and that the other may be a customer of HSBC Bank USA, N.A. (“HSBC”) or its affiliates, and each party releases and relieves HSBC and its employees and agents from any and all liability in this respect.

9 HSBC Premier clients can receive an emergency encashment of up to U.S. $2,000 or local currency equivalent immediately or up to U.S. $10,000 or local currency equivalent upon authorization from local 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.

10 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.

HSBC ADVANCE CHECKING ACCOUNT

11 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 the HSBC $350 Welcome Deposit you must: (1) Open your new HSBC Advance checking account online by December 31, 2019, (2) deposit a minimum Qualifying Balance of $5,000 or more in New Money in combined checking and savings accounts within 30 calendar days of account opening, (3) maintain at least the minimum Qualifying Balance for 90 days from the date you deposited the minimum Qualifying Balance and (4) set-up recurring Direct Deposits from a third party to an HSBC Advance checking account at least once per calendar month for 3 consecutive calendar months following account opening month. You will automatically receive the $350 Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. Qualifying Balance is $5,000 in combined consumer checking and savings New Money balances. Investment* and Commercial balances are not included this offer.  New Money is defined as deposits not previously held by any member of the HSBC Group in the U.S. Accounts/Assets that are ineligible for New Money include: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts including but not limited to IRAs, Keogh, Simple IRAs, and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts and estate accounts. Account opening date is considered day one of the 30 calendar days count. 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. The 3 calendar months from account opening begins with the first full calendar month after your Advance checking account is opened. For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total offer period. Customers who held an HSBC consumer deposit or investment account from July 31, 2016 through and including July 31, 2019 are not eligible for this offer. Customers who maintain(ed) a HSBC Mortgage and/or Credit Card without a consumer deposit or investment account are eligible. All qualifying activities must be completed within the stated time frames in order to be eligible for the Welcome Deposit. 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. HSBC reserves the right to change or terminate this offer at its sole discretion. Limit one Welcome Deposit per customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. The Welcome Deposit to your HSBC Advance checking account will be reported on the applicable IRS form. Your HSBC Advance checking account must be open and in good standing at time of gift fulfillment. 

To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month OR any HSBC U.S. residential mortgage loan. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. 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.

12 The HSBC Mobile Banking App available for iPhone®, iPad®, and AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM. 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.

13 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.

14 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.

15 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 toll free at 844.472.2684.

16 Loan amount cannot exceed $1,500,000 and borrowers must have traditional credit in the U.S. to be eligible for mortgages above 80% loan-to-value. The minimum down payment assumes a FICO score of 720 and above, a one unit single family dwelling purchase and no cash out refinance transactions.

17 Private mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss of a borrowers defaults, Private Mortgage Insurance is generally required for a loan with an additional loan to value (LTV) percentage in excess of 80%.

18 Option to reduce closing costs through higher interest rates.

19 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.

20 Please refer to the HSBC Advance Mastercard® credit card Guide to Benefits and Terms & Conditions brochure, which will be supplied to all new customers following the receipt of their card.

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.