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 Premier 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 minimum balance requirements.
$100,000 minimum balance
in combined balances in U.S. Dollar personal deposit accounts and investment* balances
Qualifying Commercial Balance
Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Premier relationship
Please contact the Customer Service Center for information regarding qualifying commercial balances
Your Relationship Manager can provide access to all that HSBC has to offer
No monthly maintenance fee if balance requirements1 are met
HSBC ATM access worldwide
Most with no withdrawal fees2
HSBC Premier Savings account5
One of our highest yield relationship-based Money Market accounts
Global View and Global Transfers3
Access your eligible worldwide HSBC deposit accounts online and transfer funds between them
Home Financing Services
Home Financing Services: HSBC offers a suite of jumbo mortgage products which are determined by your banking relationship with HSBC. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)4 with competitive6 interest rates.
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
- 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
How to apply
New to HSBC?
Already an HSBC customer?
Are you an international customer?
Note: By proceeding with the application 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 $100,000 in combined U.S. Dollar personal deposit accounts and investment* balances. 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 minimum balance requirements are 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.
3 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.
4 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.
5 To qualify for HSBC Premier Savings account, you need to maintain an HSBC Premier checking account.
6 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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.
*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.