HSBC Basic Banking

When a basic checking account is all you want.

No Minimum Balance

Regardless of your balance, your monthly maintenance fee is only $31.

HSBC Debit Mastercard® card
The convenience of HSBC Debit Mastercard® card with no annual or monthly service fees.

Online banking
With free Personal Internet Banking, online Bill Pay and eStatements, banking is easier and greener, too.

Optional overdraft protection

Select Credit is a personal line of credit that allows you to borrow money as you need it, up to your available credit limit, at a competitively low APR. It can also be used as overdraft protection for your qualifying linked HSBC checking account.

What you need to apply

  • 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 three years

See Terms & Charges Disclosures for more information.

  • 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

How to apply

New to HSBC

Apply for a HSBC Basic Banking account

Existing HSBC customer

Log on to Personal Internet Banking to apply for HSBC Basic Banking account

Are you an international customer?

Next Steps

Once you have submitted your online application, we will notify you if it can be approved online or if other information is needed to complete the application. All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded.


Privacy and Security

HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience.


If you need assistance or have questions about the application, please contact us or call 888.404.4050.

1 There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.

2 Select Credit is a personal line of credit issued by HSBC Bank USA, N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A. To learn more, please speak to an HSBC Bank USA, N.A. representative for product and pricing details.

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

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.