World-class banking with personal attention

You’ve worked hard to get where you are. You deserve to have someone working just as hard to help guide you toward your financial goals.

With an HSBC Premier1 checking account, you have access to some of the most preferred banking products and services that we have to offer.

Balance Requirement Options

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

$75,000 minimum balance

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

OR

Recurring direct deposits

totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month

OR

An HSBC U.S. residential mortgage loan

with an original loan amount of at least $500,000.

Professional support

Your Relationship Manager can provide access to all that HSBC has to offer

Complimentary services

No monthly maintenance fee if balance requirements1 are met

HSBC ATM access worldwide

Most with no withdrawal fees2

HSBC Premier Savings account3

One of our highest yield relationship-based Money Market accounts

Global View and Global Transfers4

Access your eligible worldwide HSBC deposit accounts online and transfer funds between them

Home Financing Services

HSBC offers a variety of mortgage options to meet borrower’s needs.  Our jumbo mortgages are designed with additional features based on your relationship with HSBC. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)5 with preferential rates6.

International Services

Receive priority service and emergency financial support at HSBC branches across the street or around the globe

HSBC Premier Debit World Mastercard® card

Pay no foreign transaction fees on your purchases with the HSBC Premier Debit World Mastercard® card

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

How to apply

New to HSBC?

Already an HSBC customer?

Are you an international customer?

** By clicking Apply online you are accepting the terms and can meet the requirements listed on this page.

All accounts will get the interest rates and Annual Percentage Yields (APYs) in effect when the account is opened and funded online. 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.

1 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. Dollar personal deposit accounts and investment* balances OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 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.

To qualify for HSBC Premier Savings account, you need to maintain an HSBC Premier1 checking account.

4 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.

5 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

6 Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an HSBC U.S. checking account.

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.

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

HSBC Premier World Mastercard® and HSBC Premier World Elite Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Premier1 relationship. To learn more, speak with an HSBC Premier Relationship Manager.

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

*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.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties 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 cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

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