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
Free online and mobile banking3
Stay in control and manage your money anytime, anywhere with 24/7 access.
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.
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: 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.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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.
1 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.
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.
† View Full Offer Rules and Requirements for Share the Experience (Refer A Friend program)
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.