Top of main content

Choice Checking

Apply Online

HSBC Choice Checking

Choice Checking offers convenience and value to your day-to-day needs while serving as a gateway for all HSBC has to offer.

  • Save on monthly maintenance fees
    Set up direct deposit or maintain the minimum monthly balance1.
  • Free online and mobile banking2
    Stay in control and manage your money anytime, anywhere with 24/7 access.
  • Access to HSBC ATMs worldwide3, 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.
  • 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.

Refer a friend today

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

Earn up to $2,000

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

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
  • 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

See Terms & Charges Disclosures

1 If Direct Deposit ceases, a $15 monthly maintenance fee will apply if balance requirements are not met. Qualifying Direct Deposits are electronic deposits of regular periodic payments made into your Choice Checking account through 3rd parties at least once per calendar month. To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain Direct Deposit or $1,500 in total combined balances in U.S. Dollar personal deposit accounts and investment balances. Investments 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.

2 Requires you be registered for HSBC Personal Internet Banking and have your credentials readily available. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

3 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.

4 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 to an HSBC Bank USA, N.A. representative for product and pricing details. 

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

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

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



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. 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

We're here to help you. Find the answers and while you're at it, tell us how we could do better.