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Open an HSBC Premier checking account online

HSBC Premier1 offers both local and global benefits with no fees on everyday banking transactions2, designed for clients like you. Open a premium checking account today with one of the World’s leading International banks.

Global Banking

  • Free International account opening3 and portable credit history4

  • Access your global HSBC accounts from one place with Global View5

  • No fees for Global Transfers5 between eligible HSBC accounts worldwide

  • Convert, hold and send money abroad with no transfer fees with our Global Money account6

No Fees

  • No fees on everyday banking transactions2

  • No HSBC incoming7 or outgoing8 wire transfer fees

  • No foreign transaction fees using your Premier debit or credit card

  • No U.S. HSBC ATM fees9 worldwide and unlimited Third Party ATM rebates within the U.S.10

No Hassle

We make it easy and simple for you to bank with us through our Online Banking. Deposit checks from your Mobile App11, pay bills, transfer money or chat with us from your phone or computer. As a Premier client you’ll also receive priority service for all your financial needs, no matter where you are or where you're going.

HSBC has been around for over 155 years and our experience, expertize and unique strengths mean we’re well placed to be your preferred International financial partner.

Get Rewarded with a Higher Savings Rate

Earn a higher Relationship APY when you open an HSBC Premier Relationship Savings account12 and you link your eligible Premier checking account and meet one of four eligibility criteria each month:13

  • Spend $500 on your debit card

    Make $500 or more in purchases or payments (excluding ATM withdrawals) using the HSBC Debit Card associated with your linked HSBC Premier checking account

  • Receive $5,000 in direct deposits

    Qualifying direct deposits of $5,000 or more into the linked HSBC Premier checking account

  • Have a $500,000 mortgage

    HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000

  • Hold HSBC Jade customer status

Apply now and receive a $450 bonus offer14

For a limited time, we invite you to take advantage of our Welcome Deposit offer of $45014 for starting a new Premier relationship by opening an eligible HSBC Premier checking account with the below qualifying activities.

This offer ends January 5, 2022.

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.

Here's how it works

  • Open your new HSBC Premier checking account online, using this offer page, by January 5, 2022; and
  • Make recurring Qualifying Direct Deposits totaling at least $5,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening

You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account within eight weeks after completing all qualifying activities. It's that simple.

Premier 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 one year
  • Account information for funding your new account
     

If you decide to open an account with HSBC, please be advised that documents related to your accounts will only be available in English and services provided may also only be in English. Communication beyond your initial interaction with HSBC may not be in a preferred language and may only be available in English.

1 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. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR
  • Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
  • HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.
  • Consumers who maintain Jade status.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained. 

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 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.  

4 Portable HSBC credit history is not available in all countries.

5 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.

6 HSBC Global Money Account is a prepaid, multi-currency account available on our Mobile Banking App11 for customers who maintain an HSBC consumer deposit account.

7 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.

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

9 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.

10 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, HSBC Promotional Premier Savings, and HSBC Premier Relationship Savings. HSBC will rebate qualifying non-HSBC ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month. 

11 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges. Camera-in device required to be able to utilize HSBC Mobile Check Deposit. Deposit amount limits may apply. HSBC Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM.

12 To qualify for an HSBC Premier Relationship Savings account, you need to maintain a U.S. HSBC Premier1 relationship.

13 You may earn a Relationship APY on your HSBC Premier Relationship Savings account starting from the calendar month following when you open the account and monthly thereafter. (Customers who hold Jade status at the time of account opening will earn the Relationship APY beginning that month. Jade status will need to be maintained or other requirements met, as outlined below, to continue to receive the Relationship APY). In order to qualify for the Relationship APY, you must have a linked HSBC Premier checking account and meet one of the following requirements: 

I. A total of $500 or more in purchases or payments must be made through your HSBC Mastercard® Debit Card(s) and posted to a linked HSBC Premier checking account during the previous calendar month. Debit Card ATM withdrawals do not qualify as eligible transactions. Transaction posting dates will be used to determine qualification in any given month, which may in some instances differ from actual purchase dates.

II. A total of $5,000 in qualifying direct deposits from a third party to the linked HSBC Premier checking account during the previous calendar month. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a branch or ATM. 

III. Have an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000 during the previous calendar month. For a customer with multiple HSBC Mortgages, only the mortgage with the highest original loan amount will be considered. Multiple loans will not be aggregated to determine the total loan amount for qualification purposes.

IV. Hold HSBC Jade customer status.

The Qualification Period for the Relationship APY is from the 1st day of each month to the last Business Day of each month. If you meet the qualification requirements, your HSBC Premier Relationship Savings account will earn the Relationship APY for the entire following calendar month. Accounts that do not qualify will receive the Standard APY for the entire following month. 

If there are changes to your linked HSBC Premier checking account (it is closed, changed to a new account type or no longer linked to your HSBC Premier Relationship Savings account), you may no longer qualify for the Relationship APY, or the rates may otherwise change to those in effect at the time of the change. 

14 HSBC Premier $450 Welcome Deposit 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 one year to apply for a deposit account online. To qualify for the HSBC Premier $450 Welcome Deposit you must: (1) open your new HSBC Premier checking account from September 1, 2021 through and including January 5, 2022; and (2) make recurring Qualifying Direct Deposits totaling at least $5,000 per month from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the $450 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, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a branch or ATM. Customers who held any HSBC consumer deposit or investment account from August 31, 2018 through and including August 31, 2021 are not eligible for this offer. 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 the form of merchandise and/or cash bonus that are offered to consumers 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 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 eligible checking account will be reported on the applicable IRS form. To be eligible for the offer, your HSBC Premier checking account must be open without being changed to a product with lower requirements and in good standing at the time of fulfillment.

The Annual Percentage Yields (APYs) and balances for an HSBC Premier checking account which is 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.

iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

Android and Google Play are trademarks of Google LLC.

App Store is a service mark of Apple Inc.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.

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.