Day-to-day value and convenience

Choice Checking offers convenience and value to your day-to-day needs while serving as a gateway for what we have to offer.

Balance Requirement Options

To waive the monthly maintenance fee1, you’ll need to meet one of our minimum balance requirements.

Recurring Qualifying Direct Deposits2

Electronic deposits of regular periodic payments made into your Choice Checking account through 3rd parties at least once per calendar month. 


$1,500 minimum balance

in combined balances in U.S. Dollar personal deposit accounts and investment* balances 

Save on monthly maintenance fees
Set up direct deposit or maintain the minimum monthly balance1.

Free online and mobile banking3
Stay in control and manage your money anytime, anywhere with 24/7 access.

Access to HSBC ATMs worldwide4, most with no withdrawal fees
Take advantage of the expansive HSBC global network.

HSBC Debit Mastercard® card
The convenience of HSBC Debit Mastercard® card with no annual or monthly service fees.5

Optional overdraft protection

Select Credit6 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.

Friends that bank together, stay together

Earn up to $2,000 when you refer friends who open a qualifying HSBC account.

 Little Boy & Dog

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 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

How to apply

New to HSBC

Apply for a HSBC Choice Checking account

Existing HSBC customer

Log on to Personal Internet Banking to apply for an HSBC Choice Checking account

Are you an international customer?

Next Steps

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.  See Terms & Charges Disclosures for more information.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

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 three years to apply for a deposit account online.

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

To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an HSBC Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met. 

2 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC Choice Checking account from third parties at least once per calendar month.

3 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

4 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.

5 Foreign transaction charges apply to HSBC Debit Mastercard® cards. There are no foreign transaction charges for HSBC Premier Debit Mastercard® cards. Refer to Electronic Banking Services Information Statement  for complete details.

6 Select Credit is a personal line of credit 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 with an HSBC Bank USA, N.A. representative for product and pricing details. 

7 The HSBC Everyday Savings account is available to all consumers. A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5.

View Full Offer Rules and Requirements for Share the Experience (Refer A Friend program)

*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.

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

Deposit products offered in the 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.