Top of main content

Little step, big money with up to $600 Cash Bonus.

Be bold and explore. No borders checking account.

This offer ends September 30, 2020.

Get 3% Cash Bonus1 (up to $600) for new customers who open an eligible HSBC Premier1 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 Premier checking account online, using this offer page, by September 30, 2020; and

✔ Set up Qualifying Direct Deposits into your new HSBC Premier checking account; and then

✔ Enjoy 3% Cash Bonus, up to $600, on Qualifying Direct Deposits, up to $100 per month, during the first 6 calendar months after account opening.

You will automatically receive the 3% Cash Bonus in your new HSBC Premier checking account approximately eight weeks after completing that month’s 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 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

No Fees

  • Everyday banking
    No fees on everyday banking transactions2
  • No wire transfer fees
    No incoming3 or outgoing4 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 fees5 worldwide and unlimited Third Party ATM rebates within the U.S.6

No Hassle

  • Flexible eligibility
    Flexible eligibility criteria1, making it easier to become a Premier customer
  • Shared Premier status
    Ability to extend your Premier status to up to four family members7
  • 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. $10,0008 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 Transfers9
    As a Premier client, you can experience a single view of all your global HSBC accounts and make no-fee transfers from your eligible U.S. accounts.

1 HSBC Premier 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 $600 ($100 max per month), during the first 6 calendar months after account opening you must: (1) open your new HSBC Premier checking account from June 30, 2020 through and including September 30, 2020 and (2) set-up recurring Qualifying Direct Deposits from a third party to an HSBC Premier 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 Premier checking account is opened. You will automatically receive the 3% Cash Bonus in your new HSBC Premier 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 Premier checking account from third parties at least once per calendar month. Customers who held an HSBC consumer deposit or investment account from June 29, 2017 through and including June 29, 2020 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 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 Premier 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.

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. 

The Annual Percentage Yield (APY) and balance 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. 


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 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.

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

5 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.

6 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. 

7 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.

8 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.

9 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.

* 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.

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.

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