To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain:
\nA monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.
\n"},"notmexico":{"name":"notmexico","anchor":"notmexico","html":"Global Transfers from the Global Money Account to Mexico are not allowed."},"accountmaintenancefee":{"name":"accountmaintenancefee","anchor":"accountmaintenancefee","html":"A monthly maintenance fee may apply if certain requirements are not maintained. Legal Processing fees may apply. Third party fees and/or surcharges may apply."},"relocationbenefits":{"name":"relocationbenefits","anchor":"relocationbenefits","html":"This offer is only available for customers who open an HSBC U.S. Premier checking account from December 5, 2022 through and including January 31, 2024. In order to be eligible for the New to U.S. Services, applicants must have arrived in the U.S. from January 1, 2022 through and including January 31, 2024. Eligible customers must activate their service membership using the instructions in terms & conditions within 12 months of account opening. Approved customers will receive 12-month complimentary access to HSBC New to U.S. Services, beginning from the date of activation, and a 30-day SIM Card (physical or eSIM). The activation codes provided above are for the personal use of eligible customers only and may not be shared. Additional restrictions may apply. Click here for full terms & conditions."},"andrgoogplay":{"name":"andrgoogplay","anchor":"andrgoogplay","html":"Android and Google Play are trademarks of Google LLC."},"appstore":{"name":"appstore","anchor":"appstore","html":"App Store is a registered trademark of Apple Inc."},"newtous":{"name":"newtous","anchor":"newtous","html":"This offer is only available for New to Bank customers who open an HSBC checking account from January 1, 2021 through and including May 13, 2022. Applicants must have arrived in the U.S. from January 1, 2021 through and including May 13, 2022 in order to be eligible for the HSBC New to U.S. Services. All applications must be supported by documents providing the date of arrival in the U.S.: a Passport, Visa, job offer letter, lease agreement or a copy of the applicant’s U.S. Social Security card showing the date of issuance will qualify for the offer. Documents are subject to approval by HSBC Bank. HSBC Bank reserves the right to change or terminate what is a supporting document at any time and at its sole discretion. Applicants need to activate their service membership within 12 months of account opening. Approved customers will receive 12-month complimentary access to HSBC New to U.S. Services, beginning from the date of activation, and a 30-day SIM Card. Additional restrictions may apply."},"Disclaimer":{"name":"Disclaimer","anchor":"disclaimer","html":"This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. You may wish to seek advice from a financial consultant before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you should consider whether the product in question is suitable for you."},"currenciestakelonger":{"name":"currenciestakelonger","anchor":"currenciestakelonger","html":"The transfer of BMD, EGP, MYR, LKR, PHP and VND may take longer than other currencies. Please note they are not available for transfers from a Global Money Account."},"maxinout200k":{"name":"maxinout200k","anchor":"maxinout200k","html":"The maximum outbound and inbound Global Transfers limit for U.S. HSBC accounts is $400,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information."},"iphoneipad":{"name":"iphoneipad","anchor":"iphoneipad","html":"iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries."},"footfedreserve":{"name":"footfedreserve","anchor":"footfedreserve","html":"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."},"footfeeswiretrans":{"name":"footfeeswiretrans","anchor":"footfeeswiretrans","html":"For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction. Incoming wire transfers may be subject to fees from HSBC and non-HSBC financial institutions. Please check your account terms and charges for further details. HSBC is not responsible for these charges."},"footeligibleaccts":{"name":"footeligibleaccts","anchor":"footeligibleaccts","html":"Eligible accounts include all deposit accounts except for CDs and Commercial Accounts"},"acctseligible":{"name":"acctseligible","anchor":"acctseligible","html":"Accounts eligible for Global Transfers include all HSBC checking and deposit accounts, except for Certificates of Deposit (CDs). All HSBC accounts are viewable within Global View."},"ustaxfiling":{"name":"ustaxfiling","anchor":"ustaxfiling","html":"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."},"depofferhsbc":{"name":"depofferhsbc","anchor":"depofferhsbc","html":"Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC."},"premierqualify":{"name":"premierqualify","anchor":"premierqualify","html":"To qualify for an HSBC Premier relationship, you need to open an HSBC Premier Checking Account and maintain:
\nA monthly maintenance fee of $50 will be incurred if none of these requirements are maintained.
\n*Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.
\n"},"issuedbyhsbc":{"name":"issuedbyhsbc","anchor":"issuedbyhsbc","html":"HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with any HSBC representative."},"disclaimeroutside":{"name":"disclaimeroutside","anchor":"disclaimeroutside","html":"For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at us.hsbc.com/crossborder. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Lending products are offered in the U.S. by HSBC Bank USA, N.A. Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A."},"eliteissuedbyhsbc":{"name":"eliteissuedbyhsbc","anchor":"eliteissuedbyhsbc","html":"HSBC Elite World Elite Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval, and require a qualifying U.S. HSBC Premier or Private Bank Relationship."},"premissuedbyhsbc":{"name":"premissuedbyhsbc","anchor":"premissuedbyhsbc","html":"HSBC Premier World Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Premier relationship. To learn more, speak with an HSBC Premier Relationship Manager."},"eligccriteria":{"name":"Eligibility criteria may apply.","anchor":"eligibility-criteria-may-apply","html":"Eligibility criteria may apply."},"appinfo":{"name":"appinfo","anchor":"appinfo","html":"Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges. Camera-in device required to be able to utilize HSBC U.S. Mobile Check Deposit. Deposit amount limits may apply. HSBC U.S. Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreTM or Google PlayTM."},"exchrate60sec":{"name":"exchrate60sec","anchor":"exchrate60sec","html":"The HSBC exchange rate will be shown to you before you complete a foreign exchange transaction. This rate refreshes every 60 seconds to keep up to date with market exchange rates. Live rates are only available during market hours. During weekends, additional premiums are added to the exchange rate to account for any exchange rate fluctuations."},"gmttomex":{"name":"gmttomex","anchor":"gmttomex","html":"Global Transfers from the Global Money Account to Mexico are not allowed."},"premiereligibility":{"name":"premiereligibility","anchor":"premiereligibility","html":"To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee[@monthly-maintenance-fee] of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.
\nImportant information about procedures for opening a new account
\nTo 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.
\nWhat 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.
\n"},"investmentsdisclaimer":{"name":"investmentsdisclaimer","anchor":"investmentsdisclaimer","html":"Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC (www.sipc.org/). In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.
\nInvestments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value.
\nAll decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.
\n"},"linkaccpriv":{"name":"linkaccpriv","anchor":"linkaccpriv","html":"You may link qualifying accounts to help avoid some fees and extend relationship benefits to those accounts. If you do not maintain one of the requirements for the monthly maintenance fee waiver, the linked qualifying accounts may also be charged a monthly maintenance fee. By linking qualifying accounts, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware of the other parties monthly maintenance fee status, and that the other may be a customer of HSBC Bank USA, N.A. (“HSBC”) or its affiliates, and each party releases and relieves HSBC and its employees and agents from any and all liability in this respect."},"qualdd":{"name":"qualdd","anchor":"qualdd","html":"Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM."},"hsbccredcardissuerdisclaimer":{"name":"hsbccredcardissuerdisclaimer","anchor":"hsbccredcardissuerdisclaimer","html":"HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with any HSBC representative."},"depositdisclaimer":{"name":"depositdisclaimer","anchor":"depositdisclaimer","html":"Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC."},"hsbclegalentitydisclaimer":{"name":"hsbclegalentitydisclaimer","anchor":"hsbclegalentitydisclaimer","html":"HSBC, we, our, or us refers to HSBC Bank USA, N.A. Member FDIC, HSBC Securities (USA) Inc. Member NYSE/FINRA/SIPC (www.sipc.org/), and HSBC Insurance Agency (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A."},"QualPremRelSavAcc":{"name":"QualPremRelSavAcc","anchor":"qualpremrelsavacc","html":"To qualify for an HSBC Premier Relationship Savings account, you need to maintain a U.S. HSBC Premier[@premiereligibility] relationship."},"financialprofdef":{"name":"financialprofdef","anchor":"financialprofdef","html":"Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). All offer bank products through HSBC Bank (USA) N.A, investments, annuities, and variable life insurance products through HSBC Securities (USA) Inc. and traditional insurance products through HSBC Insurance Agency (USA) Inc."},"mortgagedisclaimer":{"name":"mortgagedisclaimer","anchor":"mortgagedisclaimer","html":"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."},"acceligmaintfee":{"name":"acceligmaintfee","anchor":"acceligmaintfee","html":"A monthly maintenance fee may apply if certain requirements are not maintained. Legal Processing fees may apply. Third party fees and/or surcharges may apply."},"crossborderdisc":{"name":"crossborderdisc","anchor":"crossborderdisc","html":"For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document/video to be signed, such document(s)/video(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a US resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at us.hsbc.com/crossborder."},"gloviewglotrans":{"name":"gloviewglotrans","anchor":"gloviewglotrans","html":"Global View and Global Transfers are only available for HSBC Premier and existing HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Check with your destination country for limitation information. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Online banking is required to access Global View and Global Transfers. Access to U.S. online banking through Global View from outside the U.S. may be limited."},"premierelite":{"name":"premierelite","anchor":"premierelite","html":"Eligibility for HSBC Premier Elite status is available to holders of an HSBC Premier checking account who have maintained qualifying Personal Cash Accounts and Personal Investment Assets[@investmentsdisclaimershort] (excluding Retirement Accounts and Assets) in the United States that, in aggregate and calculated as an average over each calendar month, are equal to at least $1,000,000 USD (“Qualifying Balance”) for a period of at least 2 consecutive calendar months immediately prior to receiving Premier Elite status. If an account holder meets the eligibility criteria, they may receive Premier Elite status. Cash and investment assets that are not defined as eligible or that are held by an account holder with HSBC subsidiaries and affiliates in other countries, will not be taken into account in determining whether the Qualifying Balance has been met. See HSBC Premier Elite Terms and Conditions for more information."},"mastercdtrademk":{"name":"mastercdtrademk","anchor":"mastercdtrademk","html":"Mastercard and the circles design are registered trademarks of Mastercard International Incorporated."},"hsbc-definition":{"name":"hsbc-definition","anchor":"hsbc-definition","html":"HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A."},"wealthtransfercheckdisc":{"name":"wealthtransfercheckdisc","anchor":"wealthtransfercheckdisc","html":"Please check your transfer details carefully before confirming.
\nPlease note, your cash balance from your HSBC Securities account must have sufficient funds to complete the transfer. *Available Margin balances may not be transferred.
\n"},"wealthtransfersdisc":{"name":"wealthtransfersdisc","anchor":"wealthtransfersdisc","html":"Accounts eligible for sending and receiving these transfers include all HSBC Checking and deposit accounts, except for Certificates of Deposit (CDs), Foreign Currency accounts, Term Deposit accounts, Trust accounts, Corporate accounts.
\nThis feature is available only for HSBC Securities advised brokerage and self-directed brokerage accounts. HSBC Securities IRA and Managed accounts are not eligible.\nTransfers may require additional review or approval. Funds availability and posting may be delayed if additional information is required.
\n"},"seasonal2xofferpremiermodal":{"name":"seasonal2xofferpremiermodal","anchor":"seasonal2xofferpremiermodal","html":"Make memories that last a lifetime and earn 2X points up to $2,000 spend on:
\n\nFrom October 1, 2022 through December 31, 2022 HSBC Premier Mastercard credit cardholders will earn 2 rewards program points (one rewards program point and one promotional point), on the first $2,000 in new, net purchases made at stores or retailers classified under specific merchant category codes (MCC): 7997 Membership Clubs (Sports, Rec, Athletic) Country Clubs, Private Golf, 7992 Public golf courses, 7922 Theatrical Producers and Ticket Agencies (except motion pictures), 7996 Amusement Parks: Amusement parks, circuses, carnivals, 7941 Professional Sports: Commercial sports, professional sports clubs, athletic fields and sports, 7999 Recreation Services not elsewhere classified. When you reach the benefit cap (for example, when you spend $2,000 on purchases in the above categories to earn 2X points on these purchases) you will earn 1X points for future purchases in these categories. HSBC is not responsible for 1) the merchant's transaction description, 2) selection of MCC, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer a Premier credit cardholder, you may no longer qualify to receive this offer.
\n"},"terrormoneylaunder":{"name":"terrormoneylaunder","anchor":"terrormoneylaunder","html":"Procedures for opening a new account
\nTo 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.
\nWhat 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.
\n"},"relapypremrelsav":{"name":"relapypremrelsave","anchor":"relapypremrelsave","html":"You may earn a Relationship APY on your HSBC Premier Relationship Savings account starting from the calendar month following when you open the account and monthly thereafter. (Customers who hold Premier Elite status at the time of account opening will earn the Relationship APY beginning that month. Premier Elite status will need to be maintained or other requirements met, as outlined below, to continue to receive the Relationship APY). In order to qualify for the Relationship APY, you must have a linked HSBC Premier checking account and meet one of the following requirements:
\nI. A total of $500 or more in purchases or payments must be made through your HSBC Mastercard® Debit Card(s) and posted to a linked HSBC Premier checking account during the previous calendar month. Debit Card ATM withdrawals do not qualify as eligible transactions. Transaction posting dates will be used to determine qualification in any given month, which may in some instances differ from actual purchase dates.
\nII. A total of $5,000 in qualifying direct deposits from a third party to the linked HSBC Premier checking account during the previous calendar month. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a branch or ATM.
\nIII. Have an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000 during the previous calendar month. For a customer with multiple HSBC Mortgages, only the mortgage with the highest original loan amount will be considered. Multiple loans will not be aggregated to determine the total loan amount for qualification purposes.
\nIV. Hold HSBC Premier Elite customer status.
\nThe Qualification Period for the Relationship APY is from the 1st day of each month to the last Business Day of each month. If you meet the qualification requirements, your HSBC Premier Relationship Savings account will earn the Relationship APY for the entire following calendar month. Accounts that do not qualify will receive the Standard APY for the entire following month.
\nIf there are changes to your linked HSBC Premier checking account (it is closed, changed to a new account type or no longer linked to your HSBC Premier Relationship Savings account), you may no longer qualify for the Relationship APY, or the rates may otherwise change to those in effect at the time of the change.
\n"},"privacysecurity":{"name":"privacysecurity","anchor":"privacysecurity","html":"Privacy and security
\nHSBC 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.
\n"},"graceperiodcd":{"name":"graceperiodcd","anchor":"graceperiodcd","html":"You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction."},"taxpremsav":{"name":"taxpremsav","anchor":"taxpremsav","html":"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."},"newmoney":{"name":"newmoney","anchor":"newmoney","html":"New Money is defined as deposits and investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC's discretion."},"onlineguaranteecd":{"name":"onlineguaranteecd","anchor":"onlineguaranteecd","html":"All HSBC Certificates of Deposit (CD) are automatically covered. HSBC's $0 Liability, Online Guarantee is applicable to client transactions covered by Federal Regulation E. The $0 Liability, Online Guarantee assumes notice of fraudulent activity on eligible accounts is provided to HSBC within 60 days, and timely notice on card accounts. Assumes client follows account safeguarding, personal firewalls and online security diligence practices outlined in HSBC's Security & Fraud Center."},"earlywithdrawcd":{"name":"earlywithdrawcd","anchor":"earlywithdrawcd","html":"A penalty may be imposed for early withdrawal."},"apypremrelsav":{"name":"apypremrelsav","anchor":"apypremrelsav","html":"The APYs and balances for an HSBC Premier Relationship Savings account which are accurate as of {{currentDate}} are: Standard APY of 0.05% APY on balances of $1 or more and Relationship APY of 4.40% APY on balances of $1 or more when eligibility requirements are met."},"apyasterisk":{"name":"apyasterisk","anchor":"apyasterisk","html":"Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. Account is not available to business customers."},"apyyougetcd":{"name":"apyyougetcd","anchor":"apyyougetcd","html":"The interest rates and Annual Percentage Yields (APYs) may change at any time at the Bank's discretion without prior notice, before any CD is opened. CDs cannot be opened before the application process is finalized and funded. Your account will receive the current interest rate and APY in effect on the date it is opened and funded."},"transferlimitsprerelsav":{"name":"transferlimitsprerelsav","anchor":"transferlimitsprerelsav","html":"Transfer limits may apply only to transfers made online through the Bank to Bank Transfers service. HSBC reserves the right to apply a lower limit."},"apypremsavingsdisc":{"name":"apypremsavingsdisc","anchor":"apypremsavingsdisc","html":"The Annual Percentage Yields (APYs) and balances for an HSBC Premier Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $0 - $24,999.99, 0.10% APY $25,000 - $99,999.99, 0.15% APY $100,000 - $249,999.99 and 0.15% APY $250,000 or more."},"qualpremsavacc":{"name":"QualPremSavAcc","anchor":"qualpremsavacc","html":"The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship."},"QualPremSavAcc":{"name":"QualPremSavAcc","anchor":"qualpremsavacc","html":"The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship."},"apyvariableps":{"name":"apyvariableps","anchor":"apyvariableps","html":"Annual Percentage Yields (APYs) are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers."},"codapydisc":{"name":"codapydisc","anchor":"codapydisc","html":"The Annual Percentage Yields (APYs) and balances for CD accounts are accurate as of {{currentDate}} and apply for the initial term only."},"modulediscl":{"name":"ModuleDiscl","anchor":"modulediscl","html":"HSBC offers the articles for educational purposes only and they should not be considered professional or investment advice. While HSBC is pleased to offer the articles as an educational service to our customers, HSBC does not guarantee, warrant or recommend the opinion or advice or the product and/or services offered or mentioned in these articles. Any opinions, judgments, advice, statements, services, offers or other information presented within a articles are those of a third party and not HSBC. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives may give legal or tax advice."},"investmentsdisclaimershort":{"name":"investmentsdisclaimershort","anchor":"investmentsdisclaimershort","html":"Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC (www.sipc.org/). HSBC Securities is an affiliate of HSBC Bank USA, N.A."},"privatebankeligibility":{"name":"privatebankeligibility","anchor":"privatebankeligibility","html":"To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. Contact a Wealth Relationship Manager for details."},"globalvwglotrans":{"name":"GlobalVwGloTrans","anchor":"globalvwglotrans","html":"Global View and Global Transfers are only available for HSBC Premier and existing 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."},"competitiverates":{"name":"competitiverates","anchor":"competitiverates","html":"Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investment[@investmentsdisclaimershort] balances, reserves, equity and automatic payment from an HSBC U.S. checking account."},"no-fees-on-banking-transactions":{"name":"no fees on banking transactions","anchor":"no-fees-on-banking-transactions","html":"A monthly maintenance fee may apply if certain requirements are not maintained. Legal processing fees may apply. Third party fees and/or surcharges may apply."},"opening-account-restrictions":{"name":"opening-account-restrictions","anchor":"opening-account-restrictions","html":"Country restrictions may apply."},"newtousservices":{"name":"New to US Service","anchor":"new-to-us-service","html":"Service available for HSBC U.S. Premier checking account clients who have recently moved to the U.S. To be eligible for the New to U.S. Services Program, the HSBC client must have arrived in the U.S. from March 1, 2025, through and including February 28, 2026. Eligible clients must activate their service membership using the instructions in the Terms of Service within 12 months of moving to the US. Approved clients will receive 12-month complimentary access to New to U.S. Services, beginning from the date of activation. The activation codes are for the personal use of eligible clients only and may not be shared. Additional restrictions may apply. For full terms and conditions please visit: New to U.S. Services l HSBC Bank US."},"fees-may-apply":{"name":"fees may apply","anchor":"fees-may-apply","html":"Fees may apply"},"atmcharge":{"name":"atmcharge","anchor":"atmcharge","html":"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."},"googlepay":{"name":"google pay disclaimer","anchor":"google-pay-disclaimer","html":"Android and Google Play are trademarks of Google LLC."},"applepay":{"name":"apple pay disclaimer","anchor":"apple-pay-disclaimer","html":"Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc."},"samsungpay":{"name":"samsung pay disclaimer","anchor":"samsung-pay-disclaimer","html":"Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd."},"internationalcreditreport":{"name":"internationalcreditreport","anchor":"internationalcreditreport","html":"International borrowers with qualifying documentation do not need U.S. credit history to be eligible to apply for a mortgage in the U.S. We may order an international credit report for their mortgage application."},"investmentannuityinsurance":{"name":"investmentannuityinsurance","anchor":"investmentannuityinsurance","html":"Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value."},"affiliatesandsubsidiaries":{"name":"affiliatesandsubsidiaries","anchor":"affiliatesandsubsidiaries","html":"The HSBC Group operates through a network of affiliates and subsidiaries around the world."},"mortgagehomeqprods":{"name":"mortgagehomeqprods","anchor":"mortgagehomeqprods","html":"Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property 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 canceled or are subject to change at any time and cannot be combined with any other offer or discount."},"investdisccali":{"name":"investdisccali","anchor":"investdisccali","html":"Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC (www.sipc.org/). In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843."},"taxadvisor":{"name":"taxadvisor","anchor":"taxadvisor","html":"All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor."},"programqualifications":{"name":"programqualifications","anchor":"programqualifications","html":"Mortgage and home Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount. Equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval."},"foreigntransactionfee":{"name":"foreigntransactionfee","anchor":"foreigntransactionfee","html":"If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us. This Foreign Transaction Fee does not apply to transactions using your HSBC Jade World Debit Mastercard® card or HSBC Premier World Debit Mastercard®"},"sharetheexpvalidity":{"name":"sharetheexpvalidity","anchor":"sharetheexpvalidity","html":"Offer Period: July 1, 2026, through and including December 31, 2026 (the “Offer Period”).
\nGeneral Eligibility / Exclusions: This offer is not available to HSBC employees (including employees, officers, directors, agents, or representatives of HSBC) or their Household Members. “Household Member” means a person who shares the same residence. This offer is also not available to any joint account owner of an HSBC employee, even if they do not share the same residence. HSBC Private Bank customers are not eligible.
\nPrior HSBC relationship (not eligible): Referred customers who currently have, or previously had, any HSBC account in the U.S. reflected in HSBC records are not eligible.
\nThis offer includes two separate bonuses:\n(1) a $750 Referral Bonus for eligible current HSBC Premier customers and\n(2) a New Account Bonus of $1,500 or $2,500 for eligible new customers. Each bonus has its own eligibility criteria and requirements as set out in separate sections below.
\nREFERRAL BONUS (for current HSBC Premier customers)
\nWho can refer: You must have an HSBC Premier checking account in the United States (your “Eligible Account”) and have access to HSBC Personal Internet Banking (“PIB”).
\nReferral Bonus: $750 for each qualifying referral, deposited into your Eligible Account. Limit 10 Referral Bonuses per calendar year ($7,500 maximum).
\nHow to qualify for the Referral Bonus:
\nTiming of Referral Bonus: The Referral Bonus will be deposited into your Eligible Account within 8 weeks after the referred customer’s New Account is opened and has met the requirements above.
\nNEW ACCOUNT BONUS (for referred customers)
\nWho can qualify: To be eligible for a New Account Bonus, you must be new to HSBC in the U.S. (see “Prior HSBC relationship” section above for details) and meet the criteria outlined below.
\nHow to qualify for the New Account Bonus:
\nEligible Channels and basic criteria:
\nDomestic customers (U.S. resident for the past 1 year): Open your New Account online at hsbc.com/refer or in a U.S. HSBC Wealth Center. Must be at least 18 years of age, have a Social Security Number and U.S. residential address. U.S. mobile number required for online applications; mobile or landline number accepted for accounts opened in a U.S. HSBC Wealth Center or through HSBC’s customer service.
\nInternational customers (U.S. resident for less than 1 year): Open your New Account through the IBC Team or in a U.S. HSBC Wealth Center. Must be at least 18 years of age and have a valid U.S. tax certification at account opening. U.S. or international mobile or landline phone number accepted.
\nBonus amounts (tier is determined by Qualifying Balance):
\nTiming of New Account Bonus: The New Account Bonus will be deposited into your New Account within 8 weeks after your New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement.
\nNew Money definition: Deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
\nIneligible accounts/products (do not count for New Money or Qualifying Balance): Insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA; commercial accounts; and revocable or irrevocable trust accounts.
\nQualifying Balance review and investment disclosure: To confirm you maintained the Qualifying Balance for this offer, HSBC will review your New Money balance at the end of the 3 full calendar months following the month of New Account opening. References to establishing and maintaining an investment balance/account are not intended to be a recommendation, as defined by the U.S. Securities and Exchange Commission. For individualized, tailored recommendations, including establishing and maintaining an investment balance/account, based on your needs or objectives, please contact us for more information.
\nLimits / exclusions: Limit one New Account Bonus per new customer, including all individual and joint accounts. The primary account owner (first-named) on a joint account is the customer for bonus purposes. One referral code per account opening. This offer can’t be combined with other HSBC Bank USA, N.A. New Customer Deposit Offers (incentives in the form of merchandise and/or cash bonuses offered to consumers who open an eligible checking account and complete qualifying activities). The New Account must be open and in good standing when the bonus is paid.
\nGeneral: This Offer Terms and Conditions are current as of June 30, 2026. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time, with or without notice. Bonuses may be taxable and will be reported to the Internal Revenue Service as required by applicable law. Please call HSBC’s customer service line at 888.662.4722 (HSBC) or visit your local HSBC Wealth Center for detailed and up-to-date information. Retain for your records.
\n"},"articledisclaimer":{"name":"articledisclaimer","anchor":"articledisclaimer","html":"The materials and information on this site have been prepared for educational and informational purposes only and should not be considered legal advice and are not intended to provide, and should not be relied on for, tax, legal or accounting advice. No information published on the site constitutes a solicitation, offer or recommendation to enter into any investment strategy or transaction. The information and materials herein are not and are not intended to be investment advice. They are being provided solely on the basis that they will not constitute investment advice and will not form a primary basis for any person’s or plan’s investment decisions, and HSBC is not a fiduciary with respect to any person or plan by reason of providing the material or content herein. Prior to making any financial decision, individuals should seek advice from their personal financial, legal, tax and other financial professionals that take into account all of the particular facts and circumstances of their own situation."},"esginvestments":{"name":"esginvestments","anchor":"esginvestments","html":"Environmental, Social & Governance (ESG)
\nHSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc., and HSBC Bank USA N.A. (collectively “HSBC”) does not provide recommendations or advice on any products based on Environmental, Social & Governance (“ESG”) or Sustainable Investing (“SI”) considerations except in its discretionary/advisory solution(s) specifically dedicated to ESG/SI. Additionally, HSBC reserves the right to not recommend, or trade securities based on HSBC Group’s* internal policies, including its sustainability policies. Clients can purchase ESG/SI related products on our platform on a self-directed basis. Any ESG/SI macroeconomic statements or promotional materials generated by other HSBC Group* entities may not reflect the views of HSBC. Our general ESG/SI disclosure is located at https://www.us.hsbc.com/investments/disclosures/#esg-disclosure
\n*HSBC Group refers to HSBC’s global affiliates.
\n"},"investinsuredisclosure":{"name":"investinsuredisclosure","anchor":"investinsuredisclosure","html":"Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.
\nInvestments, annuity and insurance products:
\nAll decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.
\n"},"ustaxpay":{"name":"ustaxpay","anchor":"ustaxpay","html":"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."},"third-party-link-moving-to-us":{"name":"third-party-link-moving-to-us","anchor":"third-party-link-moving-to-us","html":"By clicking this link, you will be taken to a non-HSBC website containing information about moving to the United States. While HSBC is pleased to offer this link for educational purposes, HSBC does not guarantee, warrant or recommend the opinion or advice or the products and/or services contained on any non-HSBC website. The existence of any such links shall not constitute a warranty or an endorsement by HSBC of such website, the contents of the websites or the operators of the websites. You access them entirely at your own risk."},"new-to-us-services-aspire":{"name":"new-to-us-services-aspire","anchor":"new-to-us-services-aspire","html":"HSBC New to U.S. Services
\nNew to U.S. Services are lifestyle services delivered to approved clients by Aspire Lifestyles and its affiliates (“Supplier”). The Supplier is subject to change at any time without notice. The New to U.S. Services are subject to limited availability, and to the terms, conditions and restrictions imposed by Supplier. HSBC Bank is not responsible for the delivery of, or for any failure to deliver, the New to U.S. Services. Calls to the Supplier are charged at a local rate. Charges for the products or services provided will be notified at the time of booking by Supplier and subject to terms, conditions and restrictions imposed by Supplier. HSBC Bank and its respective parents, subsidiaries and affiliates are not responsible for any of the above listed charges. Calls may be recorded at Supplier’s discretion. HSBC Bank, and its respective parents, subsidiaries and affiliates are not liable or responsible for these recordings. Supplier may retain your contact or other personal information for you to access the New to U.S. Services. Supplier is solely responsible for the protection of your personal information. HSBC Bank, and its respective parents, subsidiaries and affiliates make no guarantees, warranties or representations of any kind, expressed or implied, with respect to such services and/ or items, and shall not be liable for any loss, expense, accident or inconvenience that may arise in connection with the use of such services and/or items, or as a result of any defect in or failure of such services and/or items. These offers, products, and services are not exchangeable, refundable, or redeemable for cash or credit under any circumstances and are not replaceable in the event of loss, destruction after issuance or expired (if applicable). All promotional offers, products and services offered by HSBC are subject to updates, modifications and/or termination by HSBC.
\n"},"new-to-us-sim-card":{"name":"new-to-us-sim-card","anchor":"new-to-us-sim-card","html":"30-day SIM card
\nSupplier will provide and deliver applicable 30-day SIM Card (physical or eSIM) to approved clients. Supplier and wireless carrier subject to change at any time without notice. Subject to limited availability, and to the terms, conditions and restrictions imposed by Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates are not responsible for the delivery of, or for any failure to deliver, the SIM Card. First 30 days’ cost of the SIM Card, calculated and applied solely by Supplier, will be covered by HSBC Bank; thereafter, Supplier may provide special pricing should clients continue with the same SIM Card. SIM card is for use in the U.S. only. Requires 4G and above compatible handset. Plan – 15 GB data + unlimited text messages worldwide + unlimited domestic calls. Additional data rate charges from Supplier may apply pursuant to your agreement with Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates are not responsible for these charges. Card is valid for 30 days from time of activation as calculated by Supplier; at Supplier’s discretion, SIM Card can be extended for 30-day increments within 5 days of each expiration date of SIM Card and becomes non-renewable at 30 days past expiration. Automatic 30-day increment renewal may be available through Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates make no guarantees, warranties or representations of any kind, expressed or implied, with respect to such services and/ or items, and shall not be liable for any loss, expense, accident or inconvenience that may arise in connection with the use of such services and/or items, or as a result of any defect in or failure of such services and/or items. These offers, products, and services are not exchangeable, refundable, or redeemable for cash or credit under any circumstances and are not replaceable in the event of loss, destruction after issuance or expired (if applicable). All promotional offers, products and services offered by HSBC are subject to updates, modifications and/or termination by HSBC.
\n"},"investmentsdisclaimertaxation":{"name":"investmentsdisclaimertaxation","anchor":"investmentsdisclaimertaxation","html":"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 advisor for more information."},"GooglePayTM":{"name":"GooglePayTM","anchor":"googlepaytm","html":"Android and Google Pay are trademarks of Google LLC."},"fixed-annuities":{"name":"fixed-annuities","anchor":"fixed-annuities","html":"Fixed annuities are designed to be long-term investments. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a fixed annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a fixed annuity. Under these circumstances, you should only consider buying a fixed annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Guarantees of a fixed rate of return are based on the claims paying ability of the issuing insurer."},"mcardcirclespremelite":{"name":"mcardcirclespremelite","anchor":"mcardcirclespremelite","html":"Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. ©2026 Mastercard."},"relapypremrelsave":{"name":"relapypremrelsave","anchor":"relapypremrelsave","html":"If you link your HSBC Premier Relationship Savings account to an eligible HSBC Premier checking account and meet at least one of the following qualification criteria each month, you will earn the Relationship Annual Percentage Yield (APY) for the entire following month:
\nI. A total of $500 or more in purchases or payments made through your HSBC debit card(s) and posted to a linked Premier checking account during the previous calendar month. Debit card ATM withdrawals do not qualify as eligible transactions. Transaction posting dates will be used to determine qualification in any given month, which may in some instances differ from actual purchase dates.
II. A total of $500 or more in payments from your linked Premier checking account to your HSBC credit card(s). Qualifying payment methods include ACH payments, Online Banking, telephone payments, Auto pay / EZ pay, and payments made in a Wealth Center. Check payments do not count as a qualifying payment method. Payments must post to the Premier checking account by 10 PM ET on the last Business Day of the current month to count towards qualification for the Relationship APY the following month.
\nIII. A total of $5,000 or more in qualifying direct deposits from a third party to the linked Premier checking account during the previous calendar month. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include, but are not limited to, transfers from one account to another, mobile deposits, and deposits made at a Wealth Center or ATM.
\nIV. Have an HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.
\nV. Hold HSBC Premier Elite customer status. Effective September 1, 2024, customers are no longer upgraded to Premier Elite status.
\nThe Qualification Period for the Relationship APY is from the first day of each calendar month to the last Business Day of each month. Accounts that do not qualify will receive the Standard APY for the entire following month. If there are changes to your linked Premier checking account (it is closed, changed to a new account type or no longer linked to your Premier Relationship Savings account), you may no longer qualify for the Relationship APY.
\nAccounts opened on or after October 1, 2024, that are linked to an eligible Premier checking account will automatically receive the Relationship APY for the remainder of the month of account opening and the following three full calendar months (Introductory Period). To continue earning the Relationship APY, one of the five qualification criteria must be met during the last month of the Introductory Period and each following month. Refer to the ‘HSBC Premier Relationship Savings Terms and Charges Disclosure’ for full details.
\n"},"ios-trademark":{"name":"ios-trademark","anchor":"ios-trademark","html":"iOS is a trademark or registered trademark of Cisco in the U.S. and other countries."},"diversification":{"name":"diversification","anchor":"diversification","html":"Diversification is a tool that may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss in a declining market. It also cannot eliminate the risk of fluctuating prices and uncertain returns."},"finra":{"name":"finra","anchor":"finra","html":"Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website at brokercheck.finra.org."},"rewarditems":{"name":"rewarditems","anchor":"rewarditems","html":"All Reward items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice."},"unauthtransactions":{"name":"unauthtransactions","anchor":"unauthtransactions","html":"Have peace of mind knowing that HSBC Bank USA, N.A. won't hold you responsible for unauthorized transactions. As an HSBC Credit or Debit Card holder, Zero Liability applies to your purchases made with your U.S.-issued credit or debit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: 1. You have used reasonable care in protecting your card from loss or theft; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that your HSBC Credit Card was lost or stolen. To learn more about additional protections with respect to unauthorized transactions, please contact HSBC by calling the number on the back of your card. Zero Liability does not apply to the following (or certain) Mastercard® payment cards: Commercial cards, unregistered prepaid cards or gift cards."},"subjecttocreditapproval":{"name":"subjecttocreditapproval","anchor":"subjecttocreditapproval","html":"HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative."},"depositprodspremelite":{"name":"depositprodspremelite","anchor":"depositprodspremelite","html":"Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC."},"marketlinkedcdsperformance":{"name":"marketlinkedcdsperformance","anchor":"marketlinkedcdsperformance","html":"Structured and market-linked CDs are linked to the performance of specific underlying assets and are not equivalent to investing directly in that asset. It is important to note that market-linked CDs may have features such as a maximum return cap or averaging, which could result in the performance of the CD differing from a direct investment in the underlying index or reference asset. Furthermore, the return on a market-linked CD, if any, often may not be paid until at maturity."},"mutualfundsdisclaimer":{"name":"mutualfundsdisclaimer","anchor":"mutualfundsdisclaimer","html":"Mutual funds, money market funds, and Exchange Traded Funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your HSBC Securities (USA) Inc. Financial Professional or call 866.586.4722 or for International clients call collect 847.876.1574. Read it carefully before you invest."},"fdicinsurance":{"name":"fdicinsurance","anchor":"fdicinsurance","html":"Structured and market-linked CDs are FDIC insured, currently up to $250,000 per depositor. Any funds deposited with the issuing bank (including other CDs issued by such bank) in excess of these limits will not be eligible for FDIC insurance, so you should consider and inform your financial professional, if you have other deposits at another financial institution.
\n\n
For more detailed information regarding FDIC insurance coverage, you may contact the FDIC Call Center at (877) 275-3342 or refer to the FDIC public website at www.fdic.gov, where you can obtain a copy of the FDIC's brochure, 'Your Insured Deposits, FDIC's Guide to Deposit Insurance Coverage'.
\n"},"financial-planning":{"name":"financial-planning","anchor":"financial-planning","html":"This information is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. HSBC Securities (USA) Inc. offers a broad range of brokerage, investment advisory (including financial planning) and other services. For additional information on financial planning, including pricing, please read our Client Relationship Summary and Brokerage Brochure."},"bonds":{"name":"bonds","anchor":"bonds","html":"Bonds are subject generally to interest rate, credit, liquidity and market risks, prepayments, early redemption, corporate events, tax ramifications, and other factors. Investors should consider the investment objectives, risks and charges and expenses associated with bonds before investing. Further information about a bond is available in the issuer’s Official Statement. The Official Statement should be read carefully before investing."},"longversion-educationalpurposes":{"name":"longversion-educationalpurposes","anchor":"longversion-educationalpurposes","html":"The materials and information on this site have been prepared for educational and informational purposes only and should not be considered legal advice. They are not intended to provide, and should not be relied on for, tax, legal or accounting advice. No information published on the site constitutes a solicitation, offer or recommendation to enter into any investment strategy or transaction. The information and materials herein are not and are not intended to be investment advice. They are being provided solely on the basis that they will not constitute investment advice and will not form a primary basis for any person’s or plan’s investment decisions, and HSBC is not a fiduciary with respect to any person or plan by reason of providing the material or content herein. Prior to making any financial decision, individuals should seek advice from their personal financial, legal, tax and other financial professionals that take into account all of the particular facts and circumstances of their own situation."},"wealthtrackdiscliamer":{"name":"wealthtrackdiscliamer","anchor":"wealthtrackdiscliamer","html":"HSBC Securities (USA) Inc. is the sponsor of HSBC Wealth Track and other advisory programs.
\nMaterial information about the Wealth Track program is disclosed in the Wealth Track Program Form ADV Part 2 Appendix 1 brochure. The Form ADV Part 2 requires investment advisers to prepare narrative brochures written in plain English that contain information such as the types of advisory services offered, the adviser’s fee schedule, disciplinary information, conflicts of interest, and the educational and business background of management and key advisory personnel of the adviser. The brochure is the primary disclosure document that investment advisers provide to their clients. Please review this document carefully before investing in the program.
\nHSBC Securities (USA) Inc. ("HSI") serves as the Securities and Exchange Commission ("SEC") registered Investment Adviser and sponsor for the HSBC Spectrum, Spectrum II, Wealth Track, Offshore Spectrum, Spectrum II ESG, and Managed Portfolio Account ("MPA") Programs referred to as "the Programs". HSI also provides the investment advisory and brokerage services in connection with the Programs.
\nHSBC Global Asset Management (USA) Inc. provides administrative and other services to HSBC Securities (USA) Inc.
\nHSBC Global Asset Management (USA) Inc. and certain other subadvisers receive a fee for their mutual fund investment services separate from the investment management fee charged for the programs.
\nHSBC Global Asset Management (USA) Inc. and its affiliates also serve as the adviser and administrator of the HSBC Funds, which may be among the underlying investments in the Wealth Track, Spectrum, Spectrum II, Offshore Spectrum and MPA programs. Certain HSBC Funds also have subadvisers, not always affiliated with HSBC Global Asset Management (USA) Inc., that receive fees for providing various services to the funds. Mutual funds outside of the HSBC Fund family are also offered as options in the Wealth Track, Spectrum, Spectrum II, Offshore Spectrum and MPA programs and may be advised by investment managers affiliated or unaffiliated with HSBC Securities (USA) Inc., who also receive a fee for their investment services. Foreside Distribution Services, L.P., member FINRA, is the distributor of the HSBC Funds and is not affiliated with the Adviser. HSBC Securities (USA) Inc., member NYSE, FINRA and SIPC is a sub-distributor of the HSBC Funds.
\nUnited 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 advisor for more information.
\nDiversification is a tool that may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss in a declining market. It also cannot eliminate the risk of fluctuating prices and uncertain returns.
\n"},"fee":{"name":"fee","anchor":"fee","html":"The fee does not cover wire fees, bank charges, IRA/retirement account fees, and fees and expenses associated with investments in ETFs or other investment companies. The Wealth Track program may cost more or less than purchasing such services separately depending on the frequency of trading in the account, commissions charged at other broker-dealers for similar products, fees charged for like services by other broker-dealers, and other factors."},"rewardsformilesmodal":{"name":"rewardsformilesmodal","anchor":"rewardsformilesmodal","html":"Rewards for Miles\nTransfer your Points into any of the Rewards for Miles partners’ loyalty programs.
\n\nAirlines
\n\nHotels
\n\nTerms and conditions:
\n\nCardmembers who wish to participate in the HSBC Rewards for Miles Program (“Rewards for Miles”) must first become a member of a participating airline frequent flyer / travel reward program, and obtain a frequent flyer / travel reward program number for each airline to which they would like to redeem Points for frequent flyer / travel reward program miles. Only HSBC Premier World Mastercard® and HSBC Elite World Elite Mastercard Cardmembers (‘Cardmembers’) are eligible to participate in Rewards for Miles. Cardmembers whose HSBC Elite credit card Accounts (‘Accounts’) are valid and in good standing will be eligible to transfer Points to a participating airline's frequent flyer / travel reward program account. Timing for the redeemed Points to be converted to miles and post to the Cardmember airline frequent flyer / travel reward program account may vary by airline. The conversion rate of Points for participating airline frequent flyer / travel rewards may vary by airline frequent flyer / travel reward program. Once Points are transferred to an airline frequent flyer / travel reward program, they will be immediately deducted from your available Points balance. Points cannot be transferred back to the Account or re-transferred to another participating airline's frequent flyer / travel reward program account. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
\n\nAdditional terms and conditions apply. See your HSBC Rewards Program Rules for more information.
\n"},"transferfunds":{"name":"transferfunds","anchor":"transferfunds","html":"Transfer limits apply, see Rules for Consumer Deposit Accounts for more information."},"etfs":{"name":"etfs","anchor":"etfs","html":"Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility such that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF but must be bought and sold on an exchange like an individual equity or bond.
\n\n
ETFs are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully along with your specific best interest considerations before investing. The prospectus, which contains this and other information, can be obtained by calling your HSBC Securities (USA) Inc. Wealth Relationship Manager or call 888-525-5757 or for International clients call collect 847.876.1574. Read it carefully before you invest.
\n"},"depositproducts":{"name":"depositproducts","anchor":"depositproducts","html":"Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC."},"wealthtrack":{"name":"wealthtrack","anchor":"wealthtrack","html":"Wealth Track is a digital investment advisory product offered by HSBC Securities (USA) Inc. Wealth Track provides a simplified asset allocation that is based on your risk profile, and utilizes ETFs and money market funds as investment products to fulfil the portfolio allocation. For further description of the Program's offerings and its limitations, please refer to the Wealth Track Program Brochure."},"servicemember":{"name":"servicemember","anchor":"servicemember","html":"If you are a service member on active duty looking to refinance your mortgage loan, please consult your legal advisor regarding whether your existing mortgage loan is eligible for benefits under the Servicemembers Civil Relief Act and how a refinance may impact those benefits."},"productserviceleverage":{"name":"productserviceleverage","anchor":"productserviceleverage","html":"Today's investment decisions are more complicated than ever, with a wider variety of asset classes, easier access to emerging markets, and increased economic uncertainty. To help our clients navigate such complexities, we leverage the products and services of our portfolio of solutions - designed to meet a variety of investment goals and risk profiles."},"registeredstructured":{"name":"registeredstructured","anchor":"registeredstructured","html":"Structured Notes are provided by Registered Representatives of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Investing in Structured Notes may result in a loss. The return on the notes is linked to the performance of the underlying asset, which may be negative, and involves risks specific to the relevant underlying asset. Structured notes are not a liquid investment and are designed to be held to maturity.
\n\n
Registered notes may be suitable for, or in the best interest of, investors who are willing to forego dividends or other distributions paid to holders of stocks comprising the relevant Reference Asset, or the Reference Asset itself, as applicable, do not seek current income from their investment, do not seek an investment for which there is an active secondary market, are willing to hold the securities to maturity and are comfortable with the creditworthiness of the issuer, as issuer of the securities.
\n"},"bondfunds":{"name":"bondfunds","anchor":"bondfunds","html":"Investors should be aware that the fund's yield and the value of its portfolio fluctuate and can be affected by changes in interest rates, general market conditions and other political, social and economic developments. However, investors in any bond fund should anticipate fluctuations in price, especially for longer-term issues and in environments of rising interest rates. Investments in bond funds are subject to possible loss due to the financial failure of the underlying securities and their inability to meet their current obligations. These risks may increase the fund's share price volatility."},"marketlinkedcds":{"name":"marketlinkedcds","anchor":"marketlinkedcds","html":"Market–Linked Certificates of Deposit are provided by Registered Representatives of HSBC Securities (USA) Inc., a registered Futures Commission Merchant, a wholly–owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly–owned subsidiary of HSBC Holdings plc. Market–linked CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Market–linked CDs are subject to investment risk and any early liquidation could result in a loss of principal investment. In the U.S. market–linked CDs are issued by HSBC Bank USA, N.A. Member FDIC and offered by HSBC Securities (USA) Inc.
\n\n
Structured and Market-Linked CDs are FDIC insured, currently up to $250,000 per depositor. Any funds deposited with the issuing bank (including other CDs issued by such bank) in excess of these limits will not be eligible for FDIC insurance, so you should consider and inform your Wealth Relationship Manager, if you have other deposits at another financial institution. For more detailed information regarding FDIC insurance coverage, you may contact the FDIC Call Center at (877) 275-3342 or refer to the FDIC public website at www.fdic.gov, where you can obtain a copy of the FDIC's brochure, "Your Insured Deposits, FDIC's Guide to Deposit Insurance Coverage".
\n"},"variableannuities":{"name":"variableannuities","anchor":"variableannuities","html":"Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for or in the best interest of all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Wealth Relationship Manager to obtain a current prospectus. Please read the prospectus carefully before investing or sending money."},"gaprewards":{"name":"gaprewards","anchor":"gaprewards","html":"GAP: This gift card is issued by Direct Consumer Services, LLC, a California limited liability company. Gift cards may be redeemed for merchandise in-store an online at any Gap Inc. brand, excluding INTERMIX. Purchases will be deducted from this gift card until the value reaches zero. May not be used or redeemed with certain promotional offers and may not be applied as payment on any account. Additional value maybe added at any Gap Inc. location, excluding INTERMIX. Redeemable for cash when the balance is less than $5 or as required by law. Restricted to use in the USA, Puerto Rico and Canada. For balance inquiries or to report a lost or stolen gift card call 1-800-GAPSTYLE"},"applerewards":{"name":"applerewards","anchor":"applerewards","html":"Apple: Beware of gift card scams. Do not share your code. Valid only for U.S. transactions in Apple properties. For assistance, visitsupport.apple.com/giftcard or call 1-800-275-2273. Not redeemable at Apple resellers or for cash, and no resale, refunds, or exchanges, except as required by law. Apple is not responsible for unauthorized use. Terms apply; seeapple.com/us/go/legal/gc. Issued by Apple Value Services, LLC (AVS). © 2020Apple Inc. All rights reserved."},"bestbuyrewards":{"name":"bestbuyrewards","anchor":"bestbuyrewards","html":"Best Buy: Visit BestBuy.com to find your nearest store location. To check your balance, visitwww.bestbuy.com/giftcardbalance or call 1-888-716-7994.PLEASE TREAT THIS EGIFT CARD LIKE CASH AND SAFEGUARD IT ACCORDINGLY.
\nFor full Best Buy gift card Terms & Condition, visitBestBuy.com/gcterms. BESTBUY, the BEST BUY logo, the tag design, MY BEST BUY, and BESTBUY.COM are trademarks of Best Buy and its affiliated companies.
\n"},"bedbathandbeyondrewards":{"name":"bedbathandbeyondrewards","anchor":"bedbathandbeyondrewards","html":"Bed Bath & Beyond: For balance inquiries or store locations, call 1-800-GO BEYOND® (1-800-462-3966) This gift card is redeemable for merchandise only and may not be redeemed for cash, except where required by law. This gift card cannot be redeemed for purchase of other gift cards including pre-paid gift cards issued by financial institutions such as Visa®, Mastercard®, or American Express®. This gift card cannot be used for portrait studio services. If a gift card is lost or stolen, a replacement gift card will be reissued with the balance remaining when an original receipt is presented. There are no service fees or expiration dates connected with the use of this gift card. Gift card cannot be redeemed until activated. Gift card can also be redeemed at our other retail concepts or online at bedbathandbeyond.com and buybuybaby.com. PROTECT THIS CARD AND TREAT IT AS YOU WOULD CASH. Scratch below and use PIN# to make purchases online. This gift card is issued by BBB Value Services Inc. ©Liberty Procurement Co., Inc.
\nBed Bath & Beyond® is not a sponsor of this promotion. Terms and conditions apply to gift cards. Bed Bath & Beyond is a registered trademark. © 2018 BedBath & Beyond Inc. and its subsidiaries.
\n"},"sonyplaystationrewards":{"name":"sonyplaystationrewards","anchor":"sonyplaystationrewards","html":"Sony Playstation: Your use of this PlayStation®Store card (“Card”) constitutes your acceptance of these terms and any additional terms available at playstationnetwork.com/terms-of-service. Activated Cards can only be redeemed through an SEN master account subject to prior acceptance of the SEN Terms of Service and User Agreement and applicable Privacy Policy available at playstationnetwork.com/terms-of-service. PS4, PS3, PS Vita and PSP systems, personal computers, access to the internet, compatible hardware and software sold separately. Your account will only accept Cards from the country designated on your account. Card is not redeemable for cash, cannot be returned for cash or credit, and may not be used for any other purpose. Card will not be replaced if lost, destroyed, or stolen. Sony Interactive Entertainment LLC, its parent company, affiliated companies and licensors make no express or implied warranties with respect to Card, PSN or the availability of products or services. To the extent permitted by law, your sole and exclusive remedy is the replacement of Card. All rights are reserved. Terms of Card may change without notice. Void where prohibited or restricted by law. For assistance, contactplaystation.com/helpme. “PlayStation”, “PSP”, “PS” Family Logo, “PS4” and “PS3” are trademarks, and “PSN” and the “PSN” Logo are service marks of Sony Interactive Entertainment Inc."},"burgerkingrewards":{"name":"burgerkingrewards","anchor":"burgerkingrewards","html":"Burger King: The value on this card will not be replaced if the card is lost, stolen, or damaged. This card cannot be redeemed for cash, except where required by law. Use of this card constitutes acceptance of these terms and conditions. Burger King Corporation is not responsible for lost or stolen cards or any unauthorized use. For complete terms and conditions or balance inquiries, call 1-800-522-1278 or visit www.bkcrowncard.com."},"starbucksrewards":{"name":"starbucksrewards","anchor":"starbucksrewards","html":"Starbucks: Reload your Card, check your balance and find out how to register and protect your Card balance at participating Starbucks stores, starbucks.com/card or 1-800-782-7282. Your Starbucks Card may only be used for making purchases at participating Starbucks stores. Cannot be redeemed for cash unless required by law. Refunds only provided for unused Cards with the original receipt. This card does not expire, nor does Starbucks charge fees. Complete terms and conditions available on our website. Use of this Card constitutes acceptance of these terms and conditions.
\nThe Starbucks word mark and the Starbucks Logo are trademarks of Starbucks Corporation. Starbucks is also the owner of the Copyrights in the Starbucks Logo and the Starbucks Card designs. All rights reserved. Starbucks is not a participating partner or sponsor in this offer.
\n"},"amazonrewards":{"name":"amazonrewards","anchor":"amazonrewards","html":"Amazon.com: Restrictions apply, see amazon.com/gc-legal"},"homedepotrewards":{"name":"homedepotrewards","anchor":"homedepotrewards","html":"The Home Depot: Gift Card is valid for the purchase of merchandise/services at any The Home Depot® store in the U.S., Canada and online at HomeDepot.com. Gift Card is not a credit/debit card and is not redeemable for cash or credit unless required by law. Gift Card cannot be applied to any credit or loan balance, Tool Rental Deposits, or for in-home purchases. To replace a lost or stolen Gift Card, visit your local store. Lost, stolen or damaged Gift Cards will not be replaced without proof of purchase. Replacement value is the value of the Gift Card at the time it is reported lost or stolen. Gift Cards purchased with cash will not be replaced unless required by law. Returns for purchases made with this Gift Card are subject to The Home Depot’s Returns Policy (details available at any The Home Depot store) and eligible refunds will be issued in store credit. Gift Card may be deactivated or rejected if fraud is suspected in the issuer’s sole discretion. Check your balance at any The Home Depot store or online. Reload Gift Card value at any The Home Depot store or online at HomeDepot.com. For cross-border redemptions, Gift Card is redeemable at The Home Depot’s applicable local currency exchange rate at the time of redemption. Gift Card is issued by Home Depot Incentives, Inc.© 2019Home Depot Product Authority, LLC. All rights reserved."},"mcardpaywithrewards":{"name":"mcardpaywithrewards","anchor":"mcardpaywithrewards","html":"Mastercard and Mastercard Pay with Rewards are registered trademarks of Mastercard International Incorporated."},"sephorarewards":{"name":"sephorarewards","anchor":"sephorarewards","html":"Sephora: Redeemable only for merchandise sold at Sephora locations in the U.S. and Canada, at Sephora.com, on our mobile app and at Sephora inside JCPenney stores. Not refundable or redeemable for cash except as required by law. The value of this card will not be replaced if the card is lost, stolen, altered or destroyed. Does not expire. If your purchase exceeds the balance, you must pay the difference. Card is issued by and is the obligation solely of LGCS Inc. You expressly release Sephora USA, Inc. and its affiliates other than LGCS Inc. for any and all liability with respect to this card. Complete terms and conditions are posted at www.sephora.com/giftcards. Purchase, use, or acceptance of this card constitutes acceptance of its terms and conditions, which may change. For store locations, orders, or card balance inquiries, please visit www.sephora.com or call 1-888-860-7897. 2017 LGCS Inc. All rights reserved."},"certainvisitmcardelite":{"name":"certainvisitmcardelite","anchor":"certainvisitmcardelite","html":"Certain restrictions, limits and exclusions apply. Visit mastercard.us/worldeliteoffersmastercard.us/worldeliteoffers This link will open in a new window for a full list of current merchant offers and applicable terms & conditions."},"cashbackelite":{"name":"cashbackelite","anchor":"cashbackelite","html":"Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to your HSBC Guide to Benefits."},"conciergeaspireelite":{"name":"conciergeaspireelite","anchor":"conciergeaspireelite","html":"The Mastercard® Concierge Service is provided by Aspire Lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affliated with HSBC Bank USA, N.A. For a full list of terms and conditions visit https://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html"},"atmnational":{"name":"atmnational","anchor":"atmnational","html":"ATM National, LLC, dba Allpoint."},"idstorage":{"name":"idstorage","anchor":"idstorage","html":"Footnote content detailing 5 day storage policy from service providers role and any mandatory statements TBC by business/L&C"},"nordstrumrewards":{"name":"nordstrumrewards","anchor":"nordstrumrewards","html":"Nordstrom: This prepaid gift card is redeemable in Nordstrom and Nordstrom Rack stores in the U.S. and online at Nordstrom.com, NordstromRack.com, and HauteLook.com. This card may not be returned or applied as payment on any account or redeemed for cash except as required by law. For complete terms and conditions or balance inquiry, please visit Nordstrom.com/giftcards, call1.877.283.4045 or inquire in-store at any Nordstrom store register. The purchase or use of this gift card constitutes acceptance of the terms and conditions. We donate 1% of all gift card sales to nonprofit organizations in our communities."},"shellrewards":{"name":"shellrewards","anchor":"shellrewards","html":"Shell: The Shell Gift Card can be used only for purchases of goods and services at Shell locations in the U.S., except territories. The Card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash. Shell Oil Products U.S. and its related companies are not sponsors or co-sponsors of this promotion. If card balance falls below one dollar, pay at the pump may not be available, in which case contact station cashier to access balance or call the number printed on the card for assistance."},"idserviceprov":{"name":"idserviceprov","anchor":"idserviceprov","html":"Footnote content detailing service providers role and any mandatory statements TBC by business/L&C"},"walmartrewards":{"name":"walmartrewards","anchor":"walmartrewards","html":"Walmart: For balance inquiry, call 1-888-537-5503 or go to Walmart.com/giftcardsorsamsclub.com. Use this card at any Walmart store or Sam’s Club in the U.S. or Puerto Rico, or on-line at Vudu, Inc., Wal-Mart.com or Samsclub.com. The balance on this card is a liability of Wal-Mart Stores Arkansas, LLC. This card cannot be redeemed for cash except where required by state law. Lost or stolen cards will not be replaced. Walmart may refuse to accept this card and to take action, including balance forfeiture, for fraud, abuse or violations of terms. Terms and conditions subject to change without notice. See Walmart.com for complete terms. Treat this card like cash.
\nHSBC is not affiliated with Wal-Mart Stores, Inc., Wal-Mart Stores Arkansas, LLC, Walmart.com or any of their affiliates. Wal-Mart Stores, Inc., Wal-Mart Stores Arkansas, LLC, Walmart.com and their affiliates do not endorse or sponsor HSBC’s services, products, or activities. See www.walmart.com/giftcardtermsandconditions for complete gift card terms and conditions.
\n"},"charityrewards":{"name":"charityrewards","anchor":"charityrewards","html":"Charity Choice: Not redeemable for cash or merchandise. Never expires. CharityChoice Gift Cards is a project of Special Kids Fund (501c3, EIN 58-2550249). Special Kids Fund allocates funds to the selected charities, quarterly. Funds are distributed to each of the designated charities in one payment, as a bulk allocation. Keep confirmation of your charity designation and verification of your order from your rewards program for your records. Ask your tax advisor as to your eligibility for a tax deduction."},"lowesrewards":{"name":"lowesrewards","anchor":"lowesrewards","html":"Lowe’s: This is not a credit/debit card and has no implied warranties. This card is not redeemable for cash unless required by law and cannot be used to make payments on any charge account. Lowe’s® reserves the right to deactivate or reject any Gift Card issued or procured, directly or indirectly, in connection with fraudulent actions, unless prohibited by law. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. To check your Lowe’s® Gift Card balance, visit Lowes.com/GiftCards, call 1-800-560-7172 or see the Customer Service Desk in any Lowe’s® store. ©2016 Lowe’s, LOWE’S and the Gable Mansard Design are registered trademarks of LF, LLC.
\nLOWE'S® and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC.Lowe’s® is not affiliated with HSBC.
\n"},"subwayrewards":{"name":"subwayrewards","anchor":"subwayrewards","html":"Subway: The SUBWAY®Card can be loaded with a dollar value and used to purchase goods and services at participating SUBWAY®restaurants in the U.S. and Canada, and certain online venues. The Card may not be used to purchase other Cards and is not redeemable for cash except where required by law. The prepaid card balance never expires, nor are any fees charged in connection with its use. Check your balance at www.mysubwaycard.com or call 1-877-697-8222. The remaining balance on lost, stolen, or damaged Cards will be replaced only if the Card has been registered and proof of purchase is provided. To register your Card, and for complete terms and conditions, visit www.mysubwaycard.com. Use of the Card constitutes acceptance of those terms and conditions. This SUBWAY® Card can also be used in conjunction with the Subway® rewards program. For more information and applicable terms and conditions, visit www.mysubwaycard.com. SUBWAY® is a Registered Trademark of Subway IP Inc. ©2017 Subway IP Inc.(artwork) / Value Pay Services LLC (text).
\n©2017 Subway IP Inc. SUBWAY® is a registered trademark of Subway IP Inc. (“Subway IP”). Subway IP is not a sponsor or co-sponsor of this program. All rights reserved. Subway IP is not liable for actual or alleged claims related to this offer. Use of the SUBWAY® logos or word-marks must be approved prior to use. Terms and conditions of the SUBWAY® Card apply and can be found at www.mysubwaycard.com
\n"},"restrictionscustomerelite":{"name":"restrictionscustomerelite","anchor":"restrictionscustomerelite","html":"As an HSBC Elite or HSBC Premier credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost. Merchants may provide to eligible HSBC Elite and HSBC Premier Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information. All third party-trademarks are the property of the respective owners."},"creditrisk":{"name":"creditrisk","anchor":"creditrisk","html":"Investments subject to the credit risk of the issuer are generally the obligations of the issuer and are not, either directly or indirectly, an obligation of any third party. Any payment to be made on the investments with credit risk, including any return of principal or coupon payable at maturity, if applicable, depends on the ability of the issuer to satisfy its obligations as they come due. As a result, the actual and perceived credit worthiness of an issuer may affect the market value of an investment with such credit risk and, in the event an issuer were to default on its obligations, you may not receive the amounts owed to you under the terms of the investment."},"gov-sponsored-enterprises":{"name":"gov-sponsored-enterprises","anchor":"gov-sponsored-enterprises","html":"All GSE debt is not guaranteed by the federal government, whereas government agencies such as Government National Mortgage Association (Ginnie Mae) are divisions of the government whose securities are backed by the full faith and credit of the United States."},"hsbcuscreditcards":{"name":"hsbcuscreditcards","anchor":"hsbcuscreditcards","html":"HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with any HSBC representative."},"atmrebate":{"name":"atmrebate","anchor":"atmrebate","html":"Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, HSBC Premier Promotional Savings, and HSBC Premier Relationship Savings. HSBC will rebate up to five qualifying ATM third-party surcharge fees incurred per month with a credit to your account within two statement cycles."},"esginvestmentslong":{"name":"esginvestmentslong","anchor":"esginvestmentslong","html":"In broad terms, “ESG and sustainable investing” products include investment approaches or instruments which consider environmental, social, governance and/or other sustainability factors to varying degrees. There is no guarantee that ESG and Sustainable investing products will produce returns similar to those which don’t consider these factors. ESG and Sustainable investing products may diverge from traditional market benchmarks. In addition, at this time in the United States there is no standard definition of, or measurement criteria for, ESG and Sustainable investing or the impact of ESG and Sustainable investing products. ESG and Sustainable investing and related impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors. HSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc., and HSBC Bank USA N.A. (collectively “HSBC”) may rely on non-HSBC ESG measurement or scoring criteria originating, devised and/or reported by unaffiliated third parties or issuers. HSBC does not always conduct its own specific due diligence in relation to these unaffiliated parties’ own ESG measurement or scoring criteria. There is no guarantee: (a) that the nature of the ESG / sustainability impact or measurement criteria of an investment will be aligned with any particular investor’s sustainability goals; or (b) that the stated level or target level of ESG / sustainability impact will be achieved. ESG and Sustainable investing is an evolving area and new regulations are being developed which will affect how such investments can be recommended, categorized, or labelled. An investment which is considered to fulfil sustainable criteria today may not meet those criteria at some point in the future.
\nESG/Sustainable investing may impact exposure to issuers, sectors, and industries, limiting the type and number of investment opportunities available, which may impact performance. An ESG portfolio may or may not financially outperform similar investments that do not consider ESG criteria. To the extent that a product reflects an ESG or Sustainable label in its security title or name, the product may not be considered by HSBC to be an ESG or Sustainable investment and will not be recommended as an ESG or sustainable investment.
\nHSBC does not provide any ESG recommendations or advice as part of our brokerage services offering. ESG recommendations/advice are limited to managed account offerings available in the Spectrum II ESG model. Additionally, we reserve the right to not recommend, or trade securities based on HSBC Group’s* internal policies, including its sustainability policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. Any ESG/SI macroeconomic statements or promotional materials generated by other HSBC Group entities may not reflect the views of HSBC.
\nInformation about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc
\nPlease consider the investment’s specific ESG and Sustainable investing impact and measurement criteria as described in the prospectus or other offering documents prior to investing.
\n*HSBC Group refers to HSBC’s global affiliates.
\n"},"ficotmfair":{"name":"ficotmfair","anchor":"ficotmfair","html":"FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries."},"paybills":{"name":"paybills","anchor":"paybills","html":"Under the Bill Pay 'on-time' guarantee, HSBC will bear the responsibility for any late-payment-related charges should an online bill payment arrive after its due date as long as you scheduled the transaction in accordance with the HSBC Personal Internet Banking Terms and Conditions. This guarantee does not apply to business clients using Bill Pay."},"samsunggalaxytm":{"name":"samsunggalaxytm","anchor":"samsunggalaxytm","html":"Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners."},"recordchecks":{"name":"recordchecks","anchor":"recordchecks","html":"Canceled checks will be retained for six years. Canceled checks will be retained for seven years for Washington state residents. A reconstruction fee may apply if you request a total checking reconstruction (copies of all checks and/or statements) for one or more checking statements. Check images are available for 365 days from the day the check posts to the account. Additional restrictions may apply."},"multiple-iras":{"name":" multipleiras","anchor":"multipleiras","html":"You can have multiple IRAs, but your total contributions can’t exceed these limits."},"applepaytm":{"name":"applepaytm","anchor":"applepaytm","html":"Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries."},"googlepaytm":{"name":"googlepaytm","anchor":"googlepaytm","html":"Google Pay is a trademark of Google LLC."},"disclaimer":{"name":"disclaimer","anchor":"disclaimer","html":"Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.
\nGarmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals. View current supported country, payment network and issuing bank information at Garmin.com/GarminPay.
\nGoogle Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.
LG Pay is a registered trademark of LG Corp. Compatible with select credit/debit cards from participating banks. Available on select LG smartphones. App is downloadable from the Google Play™ store. Tokenization adds an extra layer of security.
\nSamsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.
\nUnited 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.
iOS is a trademark or registered trademark of Cisco in the U.S. and other countries
\nApple, iPhone, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.
\nAndroid and Google Play are trademarks of Google LLC.
\nApp Store is a service mark of Apple Inc.
\nQR Code is a registered trademark of Denso Wave Incorporated.
\nRTP® is a registered service mark of The Clearing House Payments Company LLC
\nHSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a U.S. HSBC checking account relationship. To learn more, speak with any HSBC branch representative.
\n"},"garminpay":{"name":"garminpay","anchor":"garminpay","html":"Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals. View current supported country, payment network and issuing bank information at Garmin.com/GarminPay."},"fitbit":{"name":"fitbit","anchor":"fitbit","html":"Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc."},"premprivaterelqualelite":{"name":"premprivaterelqualelite","anchor":"premprivaterelqualelite","html":"HSBC Elite World Elite Mastercard® requires a qualifying Premier or Private Bank relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager."},"requirespremrel":{"name":"requirespremrel","anchor":"requirespremrel","html":"HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/premier/ or speak with your Relationship Manager."},"certainbecomecustomer":{"name":"certainbecomecustomer","anchor":"certainbecomecustomer","html":"As an HSBC Elite or HSBC Premier credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost. Merchants may provide to eligible HSBC Elite and HSBC Premier Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, see https://www.us.hsbc.com/credit-card-resource-center/premier/ for additional information. All third party-trademarks are the property of the respective owners."},"certainvisitmastercard":{"name":"certainvisitmastercard","anchor":"certainvisitmastercard","html":"Certain restrictions, limits and exclusions apply. Visit mastercard.us/worldeliteoffersmastercard.us/worldeliteoffers This link will open in a new window for a full list of current merchant offers and applicable terms & conditions."},"seasonal3xofferelite":{"name":"seasonal3xofferelite","anchor":"seasonal3xofferelite","html":"Make memories that last a lifetime and Earn 3X points up to $3,000 spend on:
\n\nFrom October 1, 2022 through December 31, 2022 HSBC Elite Mastercard credit cardholders will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), on the first $3,000 in new, net purchases made at stores or retailers classified under the following merchant category codes (MCC): 7997 Membership Clubs (Sports, Rec, Athletic) Country Clubs, Private Golf, 7992 Public golf courses, 7922 Theatrical Producers and Ticket Agencies (except motion pictures), 7996 Amusement Parks: Amusement parks, circuses, carnivals, 7941 Professional Sports: Commercial sports, professional sports clubs, athletic fields and sports, 7999 Recreation Services not elsewhere classified. When you reach the benefit cap (e.g., you spend $3,000 on purchases in the above categories to earn 3X Points on these purchases) you will earn 1X Points for future purchases in these categories. HSBC is not responsible for 1) the merchant's transaction description, 2) selection of MCC, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer.
\n"},"treasurynotesandbonds":{"name":"treasurynotesandbonds","anchor":"treasurynotesandbonds","html":"US Treasuries are guaranteed as to the payment of principal and interest by the US Government."},"sovereignbonds":{"name":"sovereignbonds","anchor":"sovereignbonds","html":"Foreign securities carry special risks, such as exposure to currency fluctuations, less developed or less efficient trading markets, political instability, a lack of company information, differing auditing and legal standards, volatility and, potentially, less liquidity. International investing including emerging markets involves a greater degree of risk and increased volatility that is heightened when investing in emerging markets. Foreign securities can be subject to greater risks than U.S. investments, including currency fluctuations, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws or monetary policy. Economies in Emerging Markets generally are heavily dependent upon international trade and, accordingly, have been and may continue to be affected adversely by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which they trade. These economies also have been and may continue to be affected adversely by economic conditions in the countries in which they trade."},"municipalfundsecurities":{"name":"municipalfundsecurities","anchor":"municipalfundsecurities","html":"Investors should consider the investment objectives, risks and charges and expenses associated with municipal fund securities along with your specific best interest considerations before investing. Further information about municipal fund securities is available in the issuer’s official statement. The official statement should be read carefully before investing. There is always the potential of losing money when you invest in securities.
\nWhen investing in fixed income products you should seek tax advice from your independent tax advisor.
\n"},"municipalbonds":{"name":"municipalbonds","anchor":"municipalbonds","html":"Fixed Income products are subject generally to interest rate, credit, liquidity and market risks. Income from municipal securities may be subject to state and local taxes as well as the Alternative Minimum Tax. Call features may exist that can impact yield. If sold prior to maturity, investments in municipal securities are subject to gains/losses based on the level of interest rates, market conditions and credit quality of the issuer. Additional information about individual municipal securities, including municipal disclosure documents, and about market activity may be available from the Municipal Securities Rulemaking Board's Electronic Municipal Market Access information site, www.emma.msrb.org. HSBC Securities (USA) Inc. does not provide tax, legal or accounting advice. Please contact your tax advisor regarding the suitability of tax-exempt investments in your portfolio and your accounting advisor to determine the appropriate accounting treatment.\nInvestors should consider the investment objectives, risks and charges and expenses associated with municipal fund securities before investing. Further information about municipal fund securities is available in the issuer’s official statement. The official statement should be read carefully before investing."},"fixedincome":{"name":"fixedincome","anchor":"fixedincome","html":"Fixed income products are subject generally to interest rate, credit, liquidity and market risks, prepayments, early redemption, corporate events, tax ramifications, and other factors to varying degrees."},"equitysecurities":{"name":"equitysecurities","anchor":"equitysecurities","html":"Equity securities include common stocks, preferred stocks, convertible securities and mutual funds that invest in these securities. Equity markets can be volatile. Stock prices rise and fall based on changes in an individual company's financial condition and overall market conditions. Stock prices can decline significantly in response to adverse market conditions, company-specific events, and other domestic and international political and economic developments."},"benefitmaximum":{"name":"benefitmaximum","anchor":"benefitmaximum","html":"Up to the policy benefit maximum."},"elitemastercardqual":{"name":"elitemastercardqual","anchor":"elitemastercardqual","html":"HSBC Elite World Elite Mastercard®[@mastercdtrademk] requires a qualifying Premier or Private Bank relationship[@premiereligibility]."},"commitmenttoclarity":{"name":"commitmenttoclarity","anchor":"commitmenttoclarity","html":"It's important to fully understand all aspects of your investment decisions. Our Wealth Relationship Managers will provide documentation - including risks, charges, fees, and other disclosures - for products, services, and offerings of HSBC Securities that you are considering. Additionally, our Commission and Fee Schedule outlines the charges for investing with HSBC Securities (USA) Inc. If you have any questions about any aspects of your investments, please call us at 800.662.3343 or for International clients call 847.876.1574. HSBC does not provide tax advice. All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor."},"managedspectrum":{"name":"managedspectrum","anchor":"managedspectrum","html":"HSBC Securities (USA) Inc. ("HSBC Securities") serves as the Securities and Exchange Commission ("SEC') Registered Investment Adviser and sponsor for the HSBC Spectrum, Spectrum 2, and Managed Portfolio Account ("MPA") Programs referred to as "the Programs". HSBC Securities (USA) Inc. serves as is the sponsor of the HSBC Spectrum, Spectrum II, Offshore Spectrum and Managed Portfolio Account (MPA) programs. HSBC Securities also provides the investment advisory and brokerage services in connection with the Programs. An investment advisory disclosure document that describes our firm's investment advisory services and any additional offering documents related to your account are available to you at no cost. If you would like a current copy of the ADV Part 2 or Appendix 1 for any of the parties involved in the management of your account, including applicable advisors, please contact your HSBC Securities financial professional. These documents will contain complete information related to the services and fees of the program."},"assetallocation":{"name":"assetallocation","anchor":"assetallocation","html":"Asset Allocation is a method of diversification that positions assets among major investment categories. This tool may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns."},"brokeredcds":{"name":"brokeredcds","anchor":"brokeredcds","html":"Brokered Certificates of Deposit are offered by Registered Representatives of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, Brokered CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Brokered CDs are subject to investment risk and any early repayment could result in a loss of principal investment."},"529planextended":{"name":"529planextended","anchor":"529planextended","html":"A single 529 Plan can have multiple share classes with different fee structures. Before you invest in a Section 529 plan, request the plan's official statement from your HSBC Securities (USA) Inc. financial professional and read it carefully. The official statement contains more complete information, including investment objectives, charges, expenses and risks of investing in the 529 plan, which you should consider carefully before investing. You should also consider whether your home state or your beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds and protection against creditors that are only available for investments in such state's 529 plan.
\nSection 529 plans are not guaranteed by any state or federal agency.
\nBroker-sold plans often contain sales loads and higher fees and expenses than direct-sold plans.
\nWhen investing in a 529 Plan, it is important to consider the beneficiary’s age, intended holding period and purchase amounts, as these are all factors that will assist in determining which share class is most advantageous for you. For example, 529 Plan A shares are often more advantageous than 529 Plan C shares when the beneficiary is under the age of 12 at the time of purchase and the 529 Plan is established for the purpose of paying for college. Your Financial Professional can assist you in evaluating which 529 Plan share class is most appropriate for you.
\nTax treatment of 529 Plans varies from state to state and can be a major factor in deciding which plan to select. If your state offers a 529 plan you may want to consider what, if any, potential state income tax or other benefits it offers, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. The prospectus, which contains this and other information, can be obtained by calling your HSBC Securities (USA) Inc. Wealth Relationship Manager. Read it carefully before you invest and consult your tax advisor before contributing to any plan or gifting.
\n"},"structuredproducts":{"name":"structuredproducts","anchor":"structuredproducts","html":"Structured Certificates of Deposit are provided by Registered Representatives of HSBC Securities (USA) Inc., a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Structured CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Structured CDs are subject to investment risk and any early liquidation could result in a loss of principal investment."},"financialprofessionaldefinition":{"name":"financialprofessionaldefinition","anchor":"financialprofessionaldefinition","html":"Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). FCs, ICs, and HNWRMs focus on a full suite of High Net Worth, Premier and Advance products and services. All offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, are offered through HSBC Securities (USA) Inc. and traditional insurance products are offered through HSBC Insurance Agency (USA) Inc."},"mortgageandhomeequitydisclaimer":{"name":"mortgageandhomeequitydisclaimer","anchor":"mortgageandhomeequitydisclaimer","html":"Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property 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 canceled or are subject to change at any time and cannot be combined with any other offer or discount."},"depositoffer":{"name":"depositoffer","anchor":"depositoffer","html":"Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC."},"iphone-and-ipad-disclaimer":{"name":"iphone-and-ipad-disclaimer","anchor":"iphone-and-ipad-disclaimer","html":"iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries."},"qr-code-disclaimer":{"name":"qr-code-disclaimer","anchor":"qr-code-disclaimer","html":"QR Code is a registered trademark of Denso Wave Incorporated in Japan and other countries."},"prequalified":{"name":"prequalified","anchor":"prequalified","html":"Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter."},"cooperatives":{"name":"cooperatives","anchor":"cooperatives","html":"Mortgage financing on cooperatives is only available in MD, NJ, NY & Washington DC. Subject to project approval by HSBC."},"communityworksmindownpay":{"name":"communityworksmindownpay","anchor":"communityworksmindownpay","html":"Minimum down payment requirement varies based on property type and property location. The value disclosed above pertains to a 1-unit single-family dwelling purchase transaction."},"homereadyhomepossible":{"name":"homereadyhomepossible","anchor":"homereadyhomepossible","html":"Certain income restrictions may apply and properties must be owner occupied, primary residences. Homeownership education is required for at least one borrower on all purchase transactions."},"3percentdownpayment":{"name":"3percentdownpayment","anchor":"3percentdownpayment","html":"Minimum of 3% down for purchases of a 1-unit owner-occupied property. Certain income level restrictions may apply depending upon property location."},"refinancingcashout":{"name":"refinancingcashout","anchor":"refinancingcashout","html":"If a loan was obtained to make an all-cash purchase, cash-out loan proceeds may be reduced by repayment amount(s)."},"communityworks":{"name":"communityworks","anchor":"communityworks","html":"The HSBC CommunityWorks program is available only in Washington, D.C. and specific counties in CA, FL, NJ, NY, VA, and WA. In addition, eligibility is restricted to: 1. Borrowers with incomes at or below 80% of the area median income where the property is located; or 2. Properties located in a Majority/Minority (MM) census tract."},"homebuyerdream":{"name":"homebuyerdream","anchor":"homebuyerdream","html":"Homebuyer Dream Program is a registered trademark of the Federal Home Loan Bank of New York. Application to the Homebuyer Dream Program does not guarantee approval of any mortgage loan through HSBC Bank USA, N.A. Borrower must meet program, income and underwriting standards and purchase an eligible property type. Limited funds are available on a first-come, first-serve basis. A minimum of $1,000 equity contribution toward purchase. Additional program details regarding the HDP are available on the FHLBNY’s website at https://www.fhlbny.com/community/housing-programs/hdp-suite/."},"mastercardpremierrelationship":{"name":"mastercardpremierrelationship","anchor":"mastercardpremierrelationship","html":"HSBC Premier World Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Premier relationship. To learn more, speak with an HSBC Premier Relationship Manager."},"q324premiercashofferclp":{"name":"Q324premiercashofferclp","anchor":"q324premiercashofferclp","html":"January 6, 2025 - March 31, 2025 Premier Relationship Savings Bonus Offer Terms and Conditions
\n\nOffer valid from January 6, 2025, through and including March 31, 2025 (“Offer Period”). To be eligible for the offer, a customer must have an Eligible Premier Relationship Savings account[@QualPremRelSavAcc] open as of February 28, 2025, linked to an open HSBC Premier[@premiereligibility] checking account.
\n\nDefinitions:
\n\n“Eligible Premier Relationship Savings account” means an HSBC Premier Relationship Savings account open as of February 28, 2025, that is held by the customer as either the sole account owner or, for joint accounts, as the first named account owner.
\n“New Deposits” means money not previously held in a deposit account at HSBC Bank USA, N.A. Whether money was previously held at HSBC is determined at HSBC’s discretion. New Deposits must be added to the Eligible Premier Relationship Savings account no later than March 31, 2025, to be counted towards this offer.
\n“Premier Relationship Savings Balance Increase” means the net increase in the customer’s Eligible Premier Relationship Savings account balance from December 31, 2024, to March 31, 2025. New Deposits made across multiple Eligible Premier Relationship Savings accounts will NOT be aggregated. If a customer owns multiple accounts, the Eligible Premier Relationship Savings account with the highest total increase in New Deposits will be used to determine the Premier Relationship Savings Balance Increase.
\n“Total Deposit Balance” means the total balances in the Eligible Premier Relationship Savings account, and any other checking, savings and Certificate of Deposit accounts owned by any of the customer(s) named on the Eligible Premier Relationship Savings account.
\n“Baseline Deposit Balance” means the Total Deposit Balance as of December 31, 2024. For new customers with HSBC accounts opened after December 31, 2024, the Baseline Deposit Balance is $0.
\n“Total Deposit Balance Increase” means the net increase in the Total Deposit Balance from December 31, 2024 (Baseline Deposit Balance) to March 31, 2025.
\n\nTerms to Qualify for Cash Bonus:
\n\nCustomer must meet each of the following requirements to qualify for the Cash Bonus:
\nHave an open Eligible Premier Relationship Savings account as of February 28, 2025, linked to an open HSBC Premier checking account.
\nAdd New Deposits of $100,000 or more into the Eligible Premier Relationship Savings account by March 31, 2025. New Deposits must result in:
\nPremier Relationship Savings Balance Increase of $100,000 or more from December 31, 2024, to March 31, 2025
\nTotal Deposit Balance Increase of $100,000 or more from December 31, 2024, (Baseline Deposit Balance) to March 31, 2025.
\n\nThe Cash Bonus amount is tiered and determined by the customer meeting and maintaining the required balance increase in both the Eligible Premier Relationship Savings account AND across total deposit accounts:
\n\nBalance Increase : Cash Bonus
\n$100,000-$249,999.99: $1,000
\n$250,000-$499,999.99: $2,000
\n$500,000+: $3,000
\n\nDeposit account balances will be reviewed periodically from March 31, 2025, through June 30, 2025, to confirm the customer has met and maintained the required Premier Relationship Savings Balance Increase and Total Deposit Balance Increase. If the balance increase in either the customer’s Premier Relationship Savings account or across total deposit accounts varies between March 31, 2025, and June 30, 2025, the lowest of the Premier Relationship Savings Balance Increase and Total Deposit Balance Increase during that period will determine the customer’s Cash Bonus tier.
\nEach customer is eligible for no more than one Cash Bonus. For joint accounts, the first name on the joint account is considered the customer for the Cash Bonus.
\nIf all offer requirements are met, the Cash Bonus will be deposited into the Eligible Premier Relationship Savings account by August 29, 2025. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\n\nAdditional Terms:
\nWith the HSBC Premier Rewards Program and the HSBC Elite Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”).
\nHow Points are Earned: You earn Points when you use your card to make new purchases (minus returns, credits, and adjustments). All purchases and Points earned are based on the Merchant Category Code (“MCC”) under which the merchant processes the transaction. HSBC is not responsible for the merchant’s transaction description, or the exclusion of merchants within an MCC.
\nRewards Redemption: All reward options are subject to limited availability and to the applicable terms, conditions and restrictions set by third-party suppliers. HSBC Bank USA, N.A. reserves the right, without prior notice, to replace existing reward items with new items, discontinue any reward item at any time; and substitute any reward with another of equal or greater value where necessary. Redemption levels, point values and reward availability may be amended or withdrawn at any time without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World Mastercard credit card or Elite World Elite Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\nMastercard®, Mastercard Pay with Rewards™ and the circles design are registered trademarks of Mastercard International Incorporated. ©2026 Mastercard.
\nHSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.
\n"},"certainrestrictionsapplyelite":{"name":"certainrestrictionsapplyelite","anchor":"certainrestrictionsapplyelite","html":"Certain restrictions, limits and exclusions may apply. Please see HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details."},"earningpointselite":{"name":"earningpointselite","anchor":"earningpointselite","html":"With the HSBC Elite Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”).
\nHow Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period. Your spending and Rewards Points may vary.
\nAll Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\n"},"cashback":{"name":"cashback","anchor":"cashback","html":"Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to your HSBC Guide to Benefits."},"amazon":{"name":"amazon","anchor":"amazon","html":"Customers with a physical US address on their HSBC Credit Card and Amazon account can redeem Points through Amazon Shop with Points. Terms and conditions applicable to redeeming your HSBC Rewards Points through Amazon Shop with Points can be found at www.amazon.com/hsbcrewards."},"premier-restrictions-limits-exclusions-short":{"name":"premier-restrictions-limits-exclusions-short","anchor":"premier-restrictions-limits-exclusions-short","html":"Certain restrictions, limits and exclusions may apply. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details."},"pay-with-rewardselite":{"name":"pay-with-rewardselite","anchor":"pay-with-rewardselite","html":"To offset a purchase by redeeming for a statement credit through Mastercard Pay with Rewards™, the purchase must appear on your transaction history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. The statement credit will be applied to your HSBC Elite World Elite Mastercard® Account. You may redeem Points for the full amount of your eligible purchase for purchases greater than $25. Point redemptions are reflected as soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit redemption is final and cannot be revoked.
\nNote: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to your Account with your card or checks. There must be sufficient points available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards. We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards do not count towards your monthly minimum payment on your HSBC Elite World Elite Mastercard® Account. You are responsible for paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance to zero.
\nMastercard Pay with Rewards™ is a trademark of Mastercard International Incorporated.
\n"},"pwr-prem-and-elite":{"name":"pwr-prem-and-elite","anchor":"pwr-prem-and-elite","html":"Premier:
\nTo offset a purchase by redeeming for a statement credit through Mastercard Pay with Rewards™, the purchase must appear on your transaction history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. You may redeem Points for the full amount of your eligible purchase for purchases greater than $25. The statement credit will be applied to your HSBC Premier World Mastercard® Account. You may redeem Points for the full amount of your eligible purchase. Point redemptions are reflected as soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit redemption is final and cannot be revoked.
\nNote: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to your Account with your card or checks. There must be sufficient points available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards. We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards do not count towards your monthly minimum payment on your HSBC Premier World Mastercard® Account. You are responsible for paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance to zero.
\nElite:
\nTo offset a purchase by redeeming for a statement credit through Mastercard Pay with Rewards™, the purchase must appear on your transaction history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. The statement credit will be applied to your HSBC Elite World Elite Mastercard® Account. You may redeem Points for the full amount of your eligible purchase for purchases greater than $25. Point redemptions are reflected as soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit redemption is final and cannot be revoked.
\nNote: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to your Account with your card or checks. There must be sufficient points available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards. We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards do not count towards your monthly minimum payment on your HSBC Elite World Elite Mastercard® Account. You are responsible for paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance to zero.
\nMastercard Pay with Rewards™ is a trademark of Mastercard International Incorporated.
\n"},"earningpointsshort":{"name":"earningpointsshort","anchor":"earningpointsshort","html":"How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments)."},"rewardsformiles":{"name":"rewardsformiles","anchor":"rewardsformiles","html":"Cardmembers who wish to participate in the HSBC Rewards for Miles Program (“Rewards for Miles”) must first become a member of a participating travel rewards program and obtain a number for each travel rewards program for which they would like to redeem Points for travel reward program miles. Only HSBC Premier World Mastercard® and HSBC Elite World Elite Mastercard Cardmembers ‘Cardmembers’ whose accounts are valid and in good standing are eligible to participate in Rewards for Miles and to transfer Points to a participating travel rewards program. Timing for the redeemed Points to be converted to miles and post to the Cardmember travel reward program account may take up to 14 days. The conversion rate of Points may vary by travel reward program. Once Points are transferred to travel reward program, they will be immediately deducted from your available Points balance; points cannot be canceled or transferred back to the HSBC Rewards Account or re-transferred to another participating travel reward program account. Once HSBC rewards points are successfully transferred to a travel rewards partner of your choice, HSBC will not be responsible for any disputes between your selected travel rewards partner and you. Additional terms and conditions apply. For more details, visit us.hsbc.com/gtb-premier for HSBC Premier Mastercard credit card or us.hsbc.com/gtb-elite for HSBC Elite Mastercard credit card."},"certainrestrictionsapplybrandsElite":{"name":"certainrestrictionsapplybrandsElite","anchor":"certainrestrictionsapplybrandselite","html":"Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD."},"apple-pay-etc":{"name":"apple-pay-etc","anchor":"apple-pay-etc","html":"All consumer HSBC Mastercard® Credit and Debit cards, issued by HSBC Bank USA, N.A. are compatible with Apple Pay, Google Pay, Samsung Pay and Garmin Pay."},"infodateexpirypremier":{"name":"infodateexpirypremier","anchor":"infodateexpirypremier","html":"The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase Annual Percentage Rate (APR) applies to credit card purchases and will be 20.24% to 25.24%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card. A variable Balance Transfer APR applies to balance transfers and will be 20.24% to 25.24%, depending on your credit worthiness. The variable Cash APR applies to cash advances and is 29.24%. These APRs will vary with the market based on the Prime Rate, for a maximum APR of 29.99%. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A transaction fee of $10 or 5%, whichever is greater, will apply for each Balance Transfer, Check, or Cash Advance transaction. There is no Foreign Transaction Fee. The annual fee for the Premier credit card is $95 for primary cardholder & $0 for Authorized User(s) per year, $0 primary cardholder & $0 for Authorized User(s), for customers who hold a Private Banking Account relationship or HSBC US employee status at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate. See Summary of Terms for details. For more information regarding U.S. HSBC Premier eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager."},"howpointsearnerprem":{"name":"howpointsearnerprem","anchor":"howpointsearnerprem","html":"How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments)."},"booking-com":{"name":"booking-com","anchor":"booking-com","html":"Valid until 9/30/2025. Bookings must be prepaid and made through booking.com/mastercardUS to be eligible for this offer. To redeem, visit booking.com/mastercardUS, choose a property marked with a "Save when you pay now with your eligible Mastercard" tag, and then select "Pay Now" using an eligible HSBC Mastercard credit card at checkout. The discount will be applied automatically at the time of prepayment and will vary based on the property and dates selected. Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions."},"premier-airport-screening":{"name":"premier-airport-screening","anchor":"premier-airport-screening","html":"You will automatically receive a statement credit for the application fee that posts to your Account first, up to a maximum of $85, every 54 months. Only one statement credit will be issued even if multiple applications were purchased. Once processed, the statement credit should appear within 1(one) – 2 (two) billing cycles. Transaction eligibility is based on the transaction description and merchant category code (“MCC”) under which the merchant processes the transaction.
\nHSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point you are no longer a HSBC Premier credit cardholder, you may no longer qualify to receive this offer.
\nTo receive the statement credit, your HSBC Premier Credit Card must be open and in good standing at the time of statement credit to qualify. See your HSBC Rewards Program Rules for more information.
\n"},"addauthuser":{"name":"addauthuser","anchor":"addauthuser","html":"If you designate an Authorized User, a credit card will be issued in that person's name. You will be solely responsible for all charges and transactions made by the Authorized User, and the Authorized User will have no liability to HSBC Bank USA, N.A. for those charges and transactions."},"lyft":{"name":"lyft","anchor":"lyft","html":"Take 3, Get $5: Beginning 4/1/21 and running through 1/31/2027, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible HSBC Premier World Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your HSBC Premier World Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service (https://www.lyft.com/terms), and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account."},"restrictionslimitsexclusionspremier":{"name":"restrictionslimitsexclusionspremier","anchor":"restrictionslimitsexclusionspremier","html":"Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the HSBC Premier World Mastercard® credit card Rewards and Benefits brochure and Mastercard® Guide to Benefits brochure, for full details."},"50k-welcome-points":{"name":"50k-welcome-points","anchor":"50k-welcome-points","html":"The 60,000 Welcome Bonus Points (“Bonus Points”) is a limited time offer and applies when you open a new HSBC Premier World Mastercard® credit card and charge $4,000 or more in new purchases (minus returns, credits, and adjustments) within the first three (3) months from Account opening (“Promotional Period”). This limited-time promotional offer applies only to applications submitted between 10/01/2026 and running through 01/15/2027. Applications received outside the Promotional Period will be considered eligible for the standard 50,000 Welcome Bonus Points offer, provided the same criteria are met. This limited-time offer may be amended, suspended, or withdrawn at any time without prior notice, to the extent permitted by applicable laws and regulations.
\nBonus Points offers do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Welcome Bonus Points offer.
\n"},"theft-protection":{"name":"theft-protection","anchor":"theft-protection","html":"Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD."},"shop-runner":{"name":"shop-runner","anchor":"shop-runner","html":"Valid through 9/30/25. To get the free ShopRunner membership offer, compliments of Mastercard, please go to www.shoprunner.com/mastercard and verify your eligibility for the offer with an HSBC Premier World Mastercard or HSBC Elite World Elite Mastercard account number and then complete the sign up for a ShopRunner membership account.
\nFor details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at www.shoprunner.com/terms/sr, which govern the use of your ShopRunner membership offer.
\n"},"streaming":{"name":"streaming","anchor":"streaming","html":"HSBC Premier World Mastercard® credit cardholders (“cardholder”) are eligible to receive a streaming credit of up to $5 a month in statement credits for subscription payments (minus returns, credits and adjustments) under the merchant category code: (MCC) 4899 Cable, Satellite, and Other Pay Television and Radio Services. Cardholders can receive up to a maximum of $60 in total statement credits per calendar year. To receive the statement credit, your HSBC Premier World Mastercard® credit card must be open and in good standing.
\nHSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point you are no longer a Premier credit cardholder, you may no longer qualify to receive this offer.
\n"},"instacart":{"name":"instacart","anchor":"instacart","html":"Offer expires 01/31/2027. Eligible U.S. HSBC Premier World Mastercard and HSBC Elite World Elite Mastercard cardholders, new to Instacart+, can receive 3 months of Instacart+ and $10 off on their second qualifying order of $10 or more, each month. Additional terms apply. For full terms and conditions please visit www.instacart.com/p/mastercard-offer."},"eliteworldmcardissue":{"name":"eliteworldmcardissue","anchor":"eliteworldmcardissue","html":"HSBC Elite World Elite Mastercard® requires a qualifying Premier or Private Bank relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager.
\nTo become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
\n"},"premier-valueamount":{"name":"premier-valueamount","anchor":"premier-valueamount","html":"Values are based on an example of total annual spend of $25,000 within specific Points categories and various card benefits. Value amounts will vary based on actual spend amount and types of purchases. Please refer to the HSBC Premier World Mastercard® credit card Rewards and Benefits brochure at us.hsbc.com/gtb-premier/ for more details."},"infodateexpiryelite":{"name":"infodateexpiryelite","anchor":"infodateexpiryelite","html":"The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722(HSBC). A variable Purchase Annual Percentage Rate (APR) applies to credit card purchases and will be 20.24% to 25.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 20.24% to 25.24%, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard® credit card. The variable Cash APR applies to cash advances and is 29.24%. These APRs will vary with the market based on the Prime Rate, for a maximum APR of 29.99%. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A transaction fee of $10 or 5%, whichever is greater, will apply for each Balance Transfer, Check, or Cash Advance transaction. There is no Foreign Transaction Fee. The Annual Fee for the HSBC Elite credit card is $495 for primary cardholder & $0 for Authorized User(s) per year; $0 for primary cardholder & $0 for Authorized User(s), for customers who hold a Private Banking Account relationship at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate; $295 for primary cardholder & $0 for Authorized User(s) for customers who hold HSBC US employee status at the time of application and on each subsequent credit card Account anniversary date to qualify for the annual fee rebate. See Summary of Terms for details. For more information regarding U.S. HSBC Premier eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager."},"purchase-assurance":{"name":"purchase-assurance","anchor":"purchase-assurance","html":"You must purchase the new item entirely with your HSBC Mastercard® credit card and/or accumulated Points from your HSBC Mastercard® credit card for yourself or to give as a gift. To initiate a claim, go to www.mycardbenefits.com or call 1-800-Mastercard. You must report the claim within 60 days of the loss, or as soon as reasonably possible. Please refer to the HSBC Elite World Mastercard® Credit Card Rewards and Benefits brochure at us.hsbc.com/gtb-elite or HSBC Premier World Mastercard® Credit Card Rewards and Benefits brochure at us.hsbc.com/gtb-premier for more details."},"rewardsstatementcredit":{"name":"rewardsstatementcredit","anchor":"rewardsstatementcredit","html":"You will automatically receive a statement credit for the application fee that posts to your Account first, up to a maximum of $120, every 54 months. Only one statement credit will be issued even if multiple applications were purchased. Once processed, the statement credit should appear within 1(one) – 2 (two) billing cycles. Transaction eligibility is based on the transaction description and merchant category code (“MCC”) under which the merchant processes the transaction.
\nHSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point you are no longer a HSBC Elite credit cardholder, you may no longer qualify to receive this offer.
\nTo receive the statement credit, your HSBC Elite Credit Card must be open and in good standing at the time of statement credit to qualify. See your HSBC Rewards Program Rules for more information.
\n"},"50kintroofferelite":{"name":"50kintroofferelite","anchor":"50kintroofferelite","html":"The 75,000 Welcome Bonus Points (“Bonus Points”) is a limited time offer and applies when you open a new HSBC Elite World Elite Mastercard® credit card and charge $4,000 or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). This limited-time promotional offer applies only to applications submitted between 10/01/2026 and running through 01/15/2027. Applications received outside the Promotional Period will be considered eligible for the standard 60,000 Welcome Bonus Points offer, provided the same eligibility criteria are met. This limited-time offer may be amended, suspended, or withdrawn at any time without prior notice, to the extent permitted by applicable laws and regulations.
\nBonus Points offers do not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Elite credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Welcome Bonus Points offer.
\n"},"loungevisitfees":{"name":"loungevisitfees","anchor":"loungevisitfees","html":"Lounge visit fees may apply. See HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details. Offers vary by location. See prioritypass.com/HSBCElite or app for details. View the terms and conditions of use. All third-party products and services referenced herein are trademarks of their respective owners."},"lyftelite":{"name":"lyftelite","anchor":"lyftelite","html":"Take 3, Get $5: Beginning 4/1/21 and running through 1/31/2027, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible HSBC Elite World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your HSBC Elite World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service (https://www.lyft.com/terms), and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account."},"certainrestrictionsbrandselite":{"name":"certainrestrictionsbrandselite","anchor":"certainrestrictionsbrandselite","html":"Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the HSBC Elite World Elite Mastercard® credit card Rewards and Benefits brochure at us.hsbc.com/gtb-elite/ for more details."},"mastercardeliterelationship":{"name":"mastercardeliterelationship","anchor":"mastercardeliterelationship","html":"HSBC Elite World Elite Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval, and require a qualifying U.S. HSBC Premier or Private Bank Relationship."},"mastercrentalcoverage":{"name":"mastercrentalcoverage","anchor":"mastercrentalcoverage","html":"Certain restrictions, limits and exclusions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with HSBC Bank USA, N.A. Please refer to mycardbenefits.com for more information."},"elitevalueamount":{"name":"elitevalueamount","anchor":"elitevalueamount","html":"Values are based on an example of total annual spend of $55,000 within specific Points categories and various card benefits. Value amounts will vary based on actual spend amount and types of purchases. Please refer to the HSBC Elite World Elite Mastercard® credit card Rewards and Benefits brochure at us.hsbc.com/gtb-elite/ for more details."},"samsunggalaxy":{"name":"samsunggalaxy","anchor":"samsunggalaxy","html":"Samsung Pay is now part of Samsung Wallet. Samsung, Samsung Pay, Samsung Galaxy and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices."},"rideshare":{"name":"rideshare","anchor":"rideshare","html":"HSBC Elite World Elite Mastercard® credit cardholders (“cardholder”) are eligible to receive a rideshare credit of up to $10 a month in statement credits for net new purchases (minus returns, credits and adjustments) under the merchant category code: (MCC) 4121 Limousines and Taxicabs. Cardholders can receive up to a maximum of $120 in total statement credits per calendar year. To receive the statement credit, your HSBC Elite World Elite Mastercard® credit card must be open and in good standing.
\nHSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer.
\n"},"elitetravelcredit":{"name":"elitetravelcredit","anchor":"elitetravelcredit","html":"You will receive an automatic $100 Travel Credit for every $2,000 spent in cumulative travel purchases (minus returns, credits and adjustments) booked through HSBC Travel, up to a maximum of $400 in total statement credits per calendar year. Travel booked with Points or directly with travel providers other than HSBC Travel are not eligible for Travel Credit. Your Travel Credits will post automatically to your credit card statement in 1-2 billing cycles. To receive the Travel Credit, your HSBC Elite World Elite Mastercard® credit card must be open and in good standing."},"pay-with-rewards":{"name":"pay-with-rewards","anchor":"pay-with-rewards","html":"To offset a purchase by redeeming for a statement credit through Mastercard Pay with Rewards™, the purchase must appear on your transaction history within the last 90 days on the Pay with Rewards page of the HSBC Rewards site. You may redeem Points for the full amount of your eligible purchase for purchases greater than $25. The statement credit will be applied to your HSBC Premier World Mastercard® Account. You may redeem Points for the full amount of your eligible purchase. Point redemptions are reflected as soon as the next business day in your HSBC Rewards Account and, on a monthly basis, as credits on your monthly credit card statement. There is no annual or lifetime maximum on the amount of statement credits that can be applied to your Account. Any request for statement credit redemption is final and cannot be revoked.\nMastercard Pay with Rewards is a trademark of Mastercard International Incorporated
\nNote: An “ineligible purchase” means cash advances, interest and financing charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to your Account with your card or checks. There must be sufficient points available in the HSBC Rewards account at the time of purchase authorization for a purchase to be eligible for Pay with Rewards. We may establish other qualifying and non-qualifying transactions from time to time. Point redemptions through Pay with Rewards do not count towards your monthly minimum payment on your HSBC Premier World Mastercard® Account. You are responsible for paying the minimum amount which appears on your monthly Account statement, unless the statement credit brings your balance to zero.
\n"},"earningpointspremier":{"name":"earningpointspremier","anchor":"earningpointspremier","html":"With the HSBC Premier Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”).
\n
How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period. Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary.
\n
All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.
You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\n"},"variableannuitieslong":{"name":"variableannuitieslong","anchor":"variableannuitieslong","html":"Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and such products may not be suitable for or in the best interest of all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Wealth Relationship Manager to obtain a current prospectus. Please read the prospectus carefully before investing or sending money."},"529planshort":{"name":"529planshort","anchor":"529planshort","html":"A single 529 Plan can have multiple share classes with different fee structures. When investing in a 529 Plan, it is important to consider the beneficiary’s age, intended holding period and purchase amounts, as these are all factors that will assist in determining which share class is most advantageous for you. For example, 529 Plan A shares are often more advantageous than 529 Plan C shares when the beneficiary is under the age of 12 at the time of purchase and the 529 Plan is established for the purpose of paying for college. Your Wealth Relationship Manager can assist you in evaluating which 529 Plan share class is most appropriate for you."},"monthly-maintenance-fee":{"name":"monthly-maintenance-fee","anchor":"monthly-maintenance-fee","html":"You will not be assessed a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the “Waiver Period”), whether you meet the qualifying criteria or not. If immediately after the “Waiver Period”, you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account."},"heloc-eligibility":{"name":"heloc-eligibility","anchor":"heloc-eligibility","html":"To be eligible for an HSBC Home Equity Line of Choice you must have a U.S. Premier relationship. For a complete list of HSBC Premier relationship eligibility requirements, visit https://www.us.hsbc.com/premier or speak with your Relationship Manager. A Home Equity Line of Choice will be secured by a mortgage on your home. All persons on the deed must sign the mortgage. Property insurance is required and flood insurance may be required."},"trademarks-general":{"name":"trademarks-general","anchor":"trademarks-general","html":"All other trademarks mentioned herein are used for identification purposes only and are trademarks (and may be registered trademarks) of their respective companies."},"apynewmoneycd":{"name":"apynewmoneycd","anchor":"apynewmoneycd","html":"The interest rates and Annual Percentage Yields (APYs) may change at any time at the Bank's discretion without prior notice, before any CD is opened. CDs cannot be opened before the application process is finalized and funded. Your account will receive the current interest rate and APY in effect on the date it is opened and funded."},"clpgendisc":{"name":"clpgendisc","anchor":"clpgendisc","html":"This offer is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. HSBC Securities (USA) Inc. offers a broad range of brokerage, investment advisory (including financial planning) and other services. For additional information on financial planning, including pricing, please read our Client Relationship Summary and Brokerage Brochure."},"minimum-credit-scores":{"name":"minimum-credit-scores","anchor":"minimum-credit-scores","html":"Minimum credit scores apply to borrowers with traditional credit."},"opening-doors":{"name":"opening-doors","anchor":"opening-doors","html":"HSBC CommunityWorks Opening Doors is a home loan grant available only on owner occupied purchase transactions that meet HSBC CommunityWorks program guidelines. The grant offers down payment assistance equal to 2% of the purchase price, with a minimum grant amount of $5,000 and a maximum of $25,000. If you receive the grant, it may be considered taxable income, and it may be reportable to the IRS[@us-tax]. Borrowers may only receive one HSBC CommunityWorks Opening Doors home loan grant every 36 months from the date of funding and ownership transfer."},"ftb-defined-under-hud":{"name":"ftb-defined-under-hud","anchor":"ftb-defined-under-hud","html":"First-time homebuyer as defined under HUD."},"us-tax":{"name":"us-tax","anchor":"us-tax","html":"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 advisor for more information."},"arm":{"name":"arm","anchor":"arm","html":"Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island."},"financial-wellness-article":{"name":"financial wellness article","anchor":"financial-wellness-article","html":"HSBC offers these articles for educational purposes only and they should not be considered professional or investment advice. While HSBC is pleased to offer these articles as an educational service to our customers, HSBC does not guarantee, warrant or recommend the opinion or advice or the product and/or services offered or mentioned in these articles. Any opinions, judgments, advice, statements, services, offers or other information presented within an article are those of a third party and not HSBC. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives may give legal or tax advice."},"ebs-generic":{"name":"ebs-generic","anchor":"ebs-generic","html":"The Employee Workplace Solutions program includes over 250 U.S. Corporate Partner employers. You can check if your employer is enrolled in this program by emailing us.ceb@us.hsbc.com."},"west-virginia-alaska":{"name":"west-virginia-alaska","anchor":"west-virginia-alaska","html":"HSBC mortgages are not available in West Virginia or Alaska."},"condos-puds-coops":{"name":"condos-puds-coops","anchor":"condos-puds-coops","html":"Certain income restrictions may apply and properties must be owner occupied, primary residences. Condos, PUDs and co-ops must meet Fannie Mae guidelines and geographic restrictions may apply."},"private-banking-marketing-name":{"name":"private-banking-marketing-name","anchor":"private-banking-marketing-name","html":"HSBC Private Bank is the marketing name for the private banking business. In the United States, HSBC Private Bank offers banking products services through HSBC Bank USA, N.A. ("HSBC Bank"), Member FDIC. HSBC Bank provides banking products and services. Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. ("HSBC Securities"), member NYSE/FINRA/SIPC (www.sipc.org/). In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc. ("HSBC Insurance"), a wholly owned subsidiary of HSBC Bank. Products and services may vary by state and are not available in all states. California license #: OD36843."},"hsbc-refers-to":{"name":"hsbc-refers-to","anchor":"hsbc-refers-to","html":"HSBC, we, our, or us refers collectively to HSBC Bank USA, N.A. (including HSBC Private Bank), HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc."},"cross-border":{"name":"cross-border","anchor":"cross-border","html":"For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document/video to be signed, such document(s)/video(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a US resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at us.hsbc.com/crossborder."},"premier-representatives":{"name":"premier-representatives","anchor":"premier-representatives","html":"“Representatives” refers to Premier Wealth Advisors (PWA), and Premier Relationship Advisors (PRA). PWAs primarily focus on a full suite of Premier products and services while PRAs primarily focus on a full suite of Advance products and services. Both offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, through HSBC Securities (USA) Inc. and traditional insurance products through HSBC Insurance Agency (USA) Inc."},"atm-allpoint":{"name":"atm-allpoint","anchor":"atm-allpoint","html":"ATM National, LLC, dba Allpoint"},"your-money-counts":{"name":"your-money-counts","anchor":"your-money-counts","html":"HSBC has created the Your Money Counts financial wellness program, which is presented by HSBC staff to the community in a classroom setting. This program was created in partnership with the national nonprofit GreenPath Financial Wellness, who provide free individualized support focused on your personal situation and financial wellness. GreenPath Financial Wellness is an independent 501(c)(3) nonprofit who acts in partnership with, but does not act on behalf of HSBC. All services provided and recommendations made by GreenPath Financial Wellness are not associated with HSBC. Anyone who needs financial advisory services should conduct their independent due diligence and research before selecting an appropriate advisor."},"greenpath":{"name":"greenpath","anchor":"greenpath","html":"GreenPath Financial Wellness is an independent 501(c)(3) nonprofit who acts in partnership with, but does not act on behalf of HSBC. All services provided and recommendations made by GreenPath Financial Wellness are not associated with HSBC. Anyone who needs financial advisory services should conduct their independent due diligence and research before selecting an appropriate advisor."},"advisorysolutionscampaignq225":{"name":"advisorysolutionscampaignq225","anchor":"advisorysolutionscampaignq225","html":"Q2 2025 Advisory Solutions Cash Incentive Terms and Conditions
\nPremier Clients age 18 and older are eligible for this offer as outlined below.
\nDefinitions
\n“Advisory Solutions” (hereinafter “Managed Account(s)”) means a Spectrum and/or Managed Portfolio Account (MPA). All accounts are subject to approval and applicable terms and fees. Please review HSBC Securities Form ADV, HSBC Securities Wrap Fee Program Brochure, Form CRS, and the HSBC Brokerage Brochure for information about the offerings, including fees, terms and conditions.
\n“Eligible Account” means a Managed Account open as of June 30, 2025, that is held by the client as either the sole account owner or, for joint accounts, as the first named account owner. Accounts not eligible for this offer, include but are not limited to: any retirement plan accounts, (including: IRAs, Keogh, Simple IRAs and 401(k) Plans), UTMA/UGMA, commercial/entity, and revocable or irrevocable trusts.
\n“Eligible Account Balance Increase” means the net increase in the client’s Eligible Account balance from January 1, 2025 to close of trading on July 31, 2025. New Funds added across multiple Eligible Accounts will NOT be aggregated. If a client owns or opens multiple Eligible Accounts, the Eligible Account with the highest total increase in New Funds will be used to determine the Eligible Account Balance Increase.
\n“Holding Period” means August 1, 2025 through close of trading on January 31, 2026.
\n“HSBC” means HSBC Bank and HSBC Securities, as applicable. HSBC Bank provides banking products and services. HSBC Securities provides investment products and services and is an affiliate of HSBC Bank.
\n“HSBC Bank” means HSBC Bank USA, N.A., Member FDIC.
\n“HSBC Securities” means HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC.
\n“New Funds” means cash or securities added to an Eligible Account on or after January 1, 2025 through close of trading on July 31, 2025, from account(s) external to HSBC, HSBC Bank checking or deposit account(s), and/or HSBC Securities brokerage or self-directed account(s). New Funds does not include cash or securities transferred from other Managed Account(s) (Spectrum and/or Managed Portfolio Account (MPA)). Assets transferred from insurance products, fixed and variable annuities, 529 College Savings Plans, any retirement plan accounts, (including: IRAs, Keogh, Simple IRAs and 401(k) Plans), or UTMA/UGMA accounts do not count towards New Funds. New Funds is determined at HSBC Securities’ discretion.
\n“Premier Client” means an HSBC Bank client who has an active, individual or joint Premier checking account with a valid tax identification number.
\n“Total Eligible Account Balance” means the total balance in the Eligible Account.
\n“Total Managed Account Balance” means the total balances in the Eligible Account and any other Managed Account owned by any of the clients named on the Eligible Account.
\n“Total Managed Account Balance Increase” means the net increase in the Total Managed Account Balance from January 1, 2025 to close of trading on July 31, 2025.
\nTerms to Qualify for the Balance Increase and Cash Incentive:
\nClient must meet each of the following terms to qualify for the Balance Increase and Cash Incentive (both as defined below):
\nBe an active Premier Client in good standing and have an open Eligible Account as of June 30, 2025
\nAdd New Funds of $100,000 or more into the Eligible Account by close of trading on July 31, 2025. New Funds must result in: Eligible Account Balance Increase of $100,000 or more from January 1, 2025 to close of trading on July 31, 2025; AND Total Managed Account Balance Increase of $100,000 or more from January 1, 2025 to close of trading on July 31, 2025.
\nMaintain the Eligible Account Balance Increase of $100,000 or more AND Total Managed Account Balance Increase of $100,000 or more throughout the Holding Period.
\nThe offer amount (“Cash Incentive”) is tiered and determined by the client meeting and maintaining the required balance increase (“Balance Increase”) in both the Eligible Managed Account AND across total Managed Accounts:
\nBalance Increase (USD): Cash Incentive (USD)
\nQualifying Balance Cash Incentive
\n$100,000 - $249,999.99 $1,250
\n$250,000 - $499,999.99 $2,500
\n$500,000 - $999,999.99 $3,500
\n$1,000,000+ $5,000
\nThe Total Eligible Account Balance and the Total Managed Account Balance will both be reviewed periodically during the Holding Period to confirm the client has met and maintained the required Eligible Account Balance Increase and Total Managed Account Balance Increase. If the balance increases or decreases in either the client’s Eligible Account or across total Managed Accounts during the Holding Period, the lowest of the increase in the Total Eligible Account Balance and Total Managed Account Balance during that period will determine the client’s Balance Increase and Cash Incentive tier.
\nMarket fluctuation either positive or negative will not impact eligibility for a particular Balance Increase or Cash Incentive tier. Withdrawals, distributions and transfers of cash or securities out of the Eligible Account or the client’s other Managed Account(s) during the Holding Period will impact the Balance Increase and Cash Incentive tier. Interest and dividends credited to the Eligible Account or the client’s other Managed Account(s) will NOT impact the Balance Increase and Cash Incentive tier. Subsequent New Funds added during the Holding Period will NOT count towards the Balance Increase and Cash Incentive tier.
\nEach client is eligible for no more than one Cash Incentive. For joint accounts, the first name on the joint account is considered the client for the Balance Increase and Cash Incentive.
\nIf all offer terms and requirements are met, the Cash Incentive will be deposited into the client’s HSBC Premier checking account within eight (8) weeks from the end of the Holding Period. HSBC Bank is acting as payment agent for HSBC Securities for the payment of the Cash Incentive to the client’s HSBC Premier checking account. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\nAdditional Terms:
\nOffer is non-transferable and available only to Premier clients as defined above. HSBC Global Private Banking clients are not eligible for this offer.\nThe client’s HSBC Premier checking account and Eligible Account must be open and in good standing including meeting all the terms and conditions of the Eligible Account (including required minimum balances) at the time of the Cash Incentive fulfillment.
\nOffer is only available to Premier clients where permitted. Offer is not available in all jurisdictions. Not all Managed Account(s) are available to clients residing outside the U.S.
\nAll promotional offers, products, and services offered as well as applicable charges by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.
\nClients participating in other HSBC Bank cash offers must continue to meet all criteria of the applicable Terms and Conditions, including any balance holding period requirement, or risk being disqualified from the other offer.
\nReferences to establishing and/or maintaining the Eligible Account should not be construed as an offer to purchase or sell any security or provide investment advice or recommendation(s) with respect to opening or maintaining an Eligible Account rather than any other type of account offered by HSBC Securities. Securities offered through or held at HSBC Securities in Eligible Accounts will fluctuate in value and are subject to investment risk, including possible loss of principal, as well as foreign currency risk. For individualized tailored recommendations based on your best interest, clients should contact their Wealth Relationship Manager or book an appointment with the Direct Relationship Team for more information.
\nIf you qualify for this offer and do not want to receive the Cash Incentive and/or future marketing messages for this campaign, you should contact us and reference offer name: Advisory Solutions Q2 Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App [@dataratecharges] or at us.hsbc.com/chatwithus. You can call us at 1-800-622-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.
\nShould you want to discuss any other matters related to this campaign, you should contact your Wealth Relationship Manager or book an appointment with the Direct Relationship Team for more information.
\nTerms to Qualify for the Balance Increase and Cash Incentive:
\nClient must meet each of the following terms to qualify for the Balance Increase and Cash Incentive (both as defined below):
\nThe promotional period for this offer is 04/01/2025 to 04/30/2025 11:59p.m. ET. Eligible Cardmembers will receive 25% bonus Avios for HSBC Elite World Elite Mastercard® or HSBC Premier World Mastercard® Credit Card Rewards Program Points transferred to Avios during the promotional period. Bonus Avios will be awarded separately from the original transaction and will be credited to the customer within 7–10 business days. You must have a British Airways Club, AerClub and/or Iberia Plus account (“Participating Airline”) to participate in this offer. These are the loyalty programs of British Airways, Aer Lingus, and Iberia, respectively. To transfer Points to Avios, you must be enrolled to the British Airways Club programme. Visit ba.com/enrol to enroll. Avios are redeemed in accordance to the British Airways Club Terms and Conditions, which can be found at www.britishairways.com/executive-club/terms-and-conditions. To transfer Points to Aer Lingus, you must be enrolled in AerClub. Visit aerlingus.com/aerclub to enroll. To transfer Points to Iberia, you must be enrolled in Iberia Plus. Visit iberia.com/us/iberiaplus/register to enroll.
\nReward Flights are available to any British Airways Club Members with an Avios balance. In addition to your Avios, the only cash amount required for Reward Flights is a fixed cash amount. Your chosen date of travel will determine whether you pay a peak or off-peak Avios amount. When booking Reward Flights, you can choose all peak dates, all off-peak dates or a mixture of the two. For travel in First, a cash amount to cover taxes, fees and carrier charges will be payable. The taxes, fees and carrier charges will vary dependent on airline and destination and will be calculated when you book your flights. The final fee (i.e. Avios plus payable taxes, fees and carrier charges) will be displayed at the final stage of your booking. To find out more about Reward Flights click here. British Airways Club Terms and Conditions and Conditions of Use apply. Before you redeem your Points, please read the Terms and Conditions, Security and Privacy Policy of the Participating Airline’s website, which may differ from the Terms and Conditions, Security and Privacy Policy of HSBC Bank USA, N.A. Once you have redeemed your Points to Avios, they become subject to the Terms and Conditions of the British Airways Club, AerClub or Iberia Plus, respectively. Transactions cannot be reversed. All Terms and Conditions of each Participating Airline apply. Each Participating Airline reserves the right to withdraw or cancel the offer or modify or alter the Terms and Conditions of the offer at any time without assigning any reason whatsoever.
\n"},"mobilet-cs":{"name":"mobilet&cs","anchor":"mobilet-cs","html":"HSBC Mobile Banking App Terms and Conditions apply"},"qatar30avios":{"name":"qatar30avios","anchor":"qatar30avios","html":"The promotional period for this offer is 04/30/2025 5:00PM ET to 05/30/2025 11:59PM ET. Eligible Cardmembers will receive 30% bonus Avios for HSBC Elite World Elite Mastercard® or HSBC Premier World Mastercard® credit card Rewards Program Points transferred to Avios with Qatar Airways Privilege Club during the promotional period. Bonus Avios will be awarded separately from the original transaction and will be credited to the customer within 7–10 business days."},"premelitecertainrest":{"name":"premelitecertainrest","anchor":"premelitecertainrest","html":"Certain restrictions, limits and exclusions may apply. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure or the HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure."},"qantas-points":{"name":"qantas-points","anchor":"qantas-points","html":"HSBC US Cardholders are eligible to earn 20% more Qantas Points when they transfer their HSBC Reward Points to Qantas Points. This campaign commences on 6/1/2025 12AM (ET) and ends on 6/30/2025 1159PM (ET). You must be a Qantas Frequent Flyer member to be eligible for this offer. To become a member, visit qantas.com/us/en/frequent-flyer/discover-and-join/join.html to enroll into the program. The 20% bonus Qantas Points will be awarded at the time of transfer together with the base Points, according to the standard transfer lead times. The bonus Qantas Points will be calculated per transaction and not on the cumulative sum of Qantas Points converted from Rewards Points during the Campaign Period. Once you have transferred your Reward Points to Qantas Points, they become subject to the Qantas Frequent Flyer Program Terms & Conditions and cannot be transferred back to your HSBC rewards account. This offer cannot be combined with any other offer. For Terms & Conditions for Qantas Frequent Flyer program, visit qantas.com/us/en/frequent-flyer/discover-and-join/terms-and-conditions.html."},"proceduresfornewaccount":{"name":"proceduresfornewaccount","anchor":"proceduresfornewaccount","html":"Important information about procedures for opening a new account
\nTo 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.
\nWhat 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.
\n"},"ntbq325campaign":{"name":"ntbq325campaign","anchor":"ntbq325campaign","html":"Q3 2025 New Customer Cash Offer Terms and Conditions
\nOffer valid from July 1, 2025, through and including September 30, 2025 (“Offer Period”). Only New Customers are eligible for this offer.
\nDefinitions
\n“New Customer” means an individual that does not have a current or past HSBC account or HSBC mortgage loan in the U.S. on file. Individuals who have a current or past HSBC account or HSBC mortgage loan in the U.S. on file are not eligible for this offer.
\n“Qualifying Direct Deposits” are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to the New Account (defined below) by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.
\n“New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
\n“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as the first-named individual on the accounts) at a determined timeframe described below. Consumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\nTerms to Qualify for Cash Bonuses:
\nA New Customer may earn one or more cash bonuses when they Open an HSBC Premier checking account (“New Account”) during the Offer Period AND complete the additional qualifying activities of the respective Cash Bonus Terms.
\nA New Account must be opened to qualify for any of the following cash bonuses:
\n$500 Direct Deposit Cash Bonus Terms:
\nIf all offer requirements are met, the Cash Bonus will be deposited into the New Account within 8 weeks from the date that you complete the qualifying activities.
\nExample: Premier checking account opened in July must receive recurring Qualifying Direct Deposits totaling at least $10,000 for September (second full calendar month after account opening), October and November, which is a total of 3 consecutive months. $500 cash bonus will be deposited into the New Account by January 31, 2026.
\n$1,000 New Money Cash Bonus Terms:
\nIf all offer requirements are met, the Cash Bonus will be deposited into the New Account within 8 weeks from the date that you complete the qualifying activities
\n$1,500 Mortgage and New Money Cash Bonus Terms
\nIf all offer requirements are met, the Cash Bonus will be deposited into the New Account within 8 weeks from the date that you complete the qualifying activities. Customers who qualify for the $1,500 cash bonus will automatically be qualified for the $1,000 New Money Cash Bonus, for a total of $2,500.
\nAny payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You may consult a tax advisor for your specific tax implications.
\nAdditional Terms:
\nEligible HSBC accounts for Global Money Account include:
\nQ4’25 New Money Deposit Offer and Extra Cash Bonus for Mobile Registration Terms and Conditions
\nOffer valid from October 1, 2025, through and including December 31, 2025 (“Offer Period”). To be eligible for the offer, a customer must be a Premier[@premiereligibility] client and have an Eligible Deposit Account open and funded by December 31, 2025.
\nDefinitions:
\n“Eligible Deposit Account(s)” means a Premier checking account, Premier Savings account, and/or Premier Relationship Savings account open and funded by December 31, 2025, that is held by the client as either the sole account owner or, for joint accounts, as the first named account owner. Certificates of Deposit are not Eligible Deposit Accounts for this offer.
\n“New Deposits” means money not previously held in a deposit account at HSBC Bank USA, N.A. Whether money was previously held at HSBC is determined at HSBC’s discretion. New Deposits must be added to the Eligible Deposit Account(s) no later than December 31, 2025, to be counted towards this offer.
\n“Eligible Deposit Balance” means the total balances in the Eligible Deposit Account(s) owned by any of the client(s) named on the Eligible Deposit Account(s).
\n“Eligible Deposit Balance Increase” means the net balance increase in the client’s Eligible Deposit Account(s) from September 30, 2025, to December 31, 2025.
\n“Total Deposit Balance” means the Eligible Deposit Balance plus balances held in any other checking, savings and Certificate of Deposit accounts owned by any of the client(s) named on the Eligible Deposit Account(s).
\n“Total Deposit Balance Increase” means the net increase in the Total Deposit Balance from September 30, 2025 (Baseline Deposit Balance) to December 31, 2025.
\n“Baseline Deposit Balance” means the Total Deposit Balance as of September 30, 2025. For new clients with HSBC accounts opened after September 30, 2025, the Baseline Deposit Balance is $0.
\nTerms to Qualify for New Money Cash Bonus:
\nClient must meet each of the following requirements to qualify for the New Money Cash Bonus:
\nThe New Money Cash Bonus amount is tiered and determined by the client meeting and maintaining the required balance increase in both the Eligible Deposit Account(s) AND Total Deposits:
\nBalance Increase: Cash Bonus
\n$150,000-$249,999: $1,000
\n$250,000-$499,999: $2,500
\n$500,000+: $3,500
\nDeposit account balances will be reviewed periodically from January 1, 2026, through March 31, 2026, to confirm the client has met and maintained the required Eligible Deposit Balance Increase and Total Deposit Balance Increase. If the increase in either the client’s Eligible Deposit Balance or Total Deposit Balance varies between January 1, 2026, and March 31, 2026, the lowest of the Eligible Deposit Balance Increase and Total Deposit Balance Increase during that period will determine the client’s Cash Bonus tier.
\nIf all offer requirements are met, the New Money Cash Bonus will be paid into the account to which your New Deposits were added. In the case that you have New Deposits across multiple accounts, the New Money Cash Bonus will be deposited by May 31, 2026, into the account with the highest amount of New Deposits during the Offer Period.
\nTerms to Qualify for a $25 Extra Cash Bonus
\nA client who has met all the requirements for the New Money Cash Bonus offer may also qualify for a $25 Extra Cash Bonus when they register and logon to the HSBC US Mobile Banking App during the Offer Period. Clients who have previously registered for mobile banking are not eligible for the $25 Extra Cash Bonus. The offer is only available to clients registering and logging into mobile banking for the first time.
\nIf all requirements are met, the $25 Extra Cash Bonus will be deposited by May 31, 2026, into the same account which the New Money Cash Bonus was deposited.
\nAny payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\nAdditional Terms:
\nQ1 2026 Net New Assets Cash Offer Terms and Conditions
\nOffer valid to Premier[@premiereligibility] checking clients from January 1, 2026, through and including March 31, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions:
\n“HSBC” means HSBC Bank USA, N.A., Member FDIC (“HSBC Bank”) and HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC (“HSBC Securities”), as applicable. HSBC Bank provides banking products and services. HSBC Securities provides investment products and services and is an affiliate of HSBC Bank.
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as the first named account holder.
\n“Eligible Account(s)” means a Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account open and funded by March 31, 2026, that is held by the client.
\n“Ineligible Accounts” means Certificates of Deposit, Advised Brokerage, self-directed brokerage, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“Eligible Account Balance” means the sum of balances in the Eligible Account(s) held by the client.
\n“Baseline Balance” means the sum of balances in all consumer checking, savings, and Certificate of Deposit accounts; Spectrum and Managed Portfolio Accounts; and investment, Advised Brokerage and self-directed brokerage accounts held by the client as well as accounts held by the client as the secondary account holder. Baseline Balance does not include balances held in insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“New Assets” means cash and securities not previously held at HSBC. Whether assets were previously held at HSBC is determined at HSBC’s discretion. New Assets must be added to the Eligible Account(s) no later than March 31, 2026, to be counted towards this offer.
\n“Net New Assets” means the net increase of New Assets added by the client between December 31, 2025, and March 31, 2026. HSBC will compare the client’s Eligible Account Balance and Baseline Balance as of March 31, 2026, to the client’s balances as of December 31, 2025. Any transfers, deposits, withdrawals or movements of funds will be included in the Net New Assets calculation and will impact eligibility. Interest and dividends credited to the client’s Eligible Account(s) will not be included in the Net New Assets calculation. Market fluctuation will not impact eligibility.
\nTerms to Qualify for Cash Bonus:
\nClient must meet each of the following requirements to qualify for the cash bonus:
\nCash Bonus Tier: The cash bonus amount is tiered and determined by the client meeting and maintaining the required increase in both the Eligible Account Balance and Baseline Balance:
\nIncrease in Balances: Cash Bonus
\n$150,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,500
\n$500,000-$999,999.99: $3,500
\n$1,000,000+: $7,000
\nDeposit and investment balances will be reviewed periodically from March 31, 2026, through June 30, 2026, to confirm the client has met the qualifying criteria described above. Between March 31, 2026, and June 30, 2026, the lowest of the Eligible Account Balance increase and Baseline Balance increase during that period will determine the client’s cash bonus tier. Subsequent New Assets added after March 31, 2026, will NOT count towards the cash bonus tier.
\nIf all offer requirements are met, the cash bonus will be paid into the client’s Premier checking account by August 31, 2026. HSBC Bank is acting as payment agent for HSBC Securities for the payment of the cash bonus to the client’s Premier checking account. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
Additional Terms:
\nHow Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.
\nAll Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\n"},"hsbc-credit-cards-issued-by":{"name":"hsbc-credit-cards-issued-by","anchor":"hsbc-credit-cards-issued-by","html":"HSBC credit cards are issued by HSBC Bank USA, N.A."},"samsung-pay-compatibility":{"name":"samsung-pay-compatibility","anchor":"samsung-pay-compatibility","html":"Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay Support page for compatibility information."},"debit-cards-issued-by":{"name":"debit-cards-issued-by","anchor":"debit-cards-issued-by","html":"HSBC debit cards are issued by HSBC Bank USA, N.A."},"prem-elite-certain-restrictions-short":{"name":"prem-elite-certain-restrictions-short","anchor":"prem-elite-certain-restrictions-short","html":"Certain restrictions, limits and exclusions may apply. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure or the HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure."},"how-points-are-earned-elite":{"name":"how-points-are-earned-elite","anchor":"how-points-are-earned-elite","html":"How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.
\nAll Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\n"},"mortgagematerials":{"name":"mortgagematerials","anchor":"mortgagematerials","html":"Mortgage materials and documentation are available upon request and only in English. All negotiations must take place in English."},"investment-docs-vids-hbap":{"name":"investment-docs-vids-hbap","anchor":"investment-docs-vids-hbap","html":"This document/video was prepared by Hongkong and Shanghai Banking Corporation Limited (“HBAP”) and made available for distribution to HSBC. In the United States, HSBC, we, our, or us refers collectively to HSBC Bank USA, N.A. (including HSBC Private Bank), HSBC Securities (USA) Inc., and HSBC Insurance Agency (USA) Inc."},"investment-docs-vids-disclaimer":{"name":"investment-docs-vids-disclaimer","anchor":"investment-docs-vids-disclaimer","html":"The contents of this document/video may not be reproduced or further distributed to any person or entity, whether in whole or in part, for any purpose. This document/video must not be distributed in any jurisdiction where its distribution is unlawful. All non-authorised reproduction or use of this document/video will be the responsibility of the user and may lead to legal proceedings. The material contained in this document/video is for general information purposes only and does not constitute investment research or advice or a recommendation to buy or sell investments. Some of the statements contained in this document/video may be considered forward looking statements which provide current expectations or forecasts of future events. Such forward looking statements are not guarantees of future performance or events and involve risks and uncertainties. Actual results may differ materially from those described in such forward-looking statements as a result of various factors. HSBC does not undertake any obligation to update the forward-looking statements contained herein, or to update the reasons why actual results could differ from those projected in the forward-looking statements. This document/video has no contractual value and is not by any means intended as a solicitation, nor a recommendation for the purchase or sale of any financial instrument in any jurisdiction in which such an offer is not lawful. The views and opinions expressed are based on the HSBC Global Investment Committee at the time of preparation and are subject to change at any time. These views may not necessarily indicate HSBC‘s or HSBC Asset Management’s individual current portfolios’ composition. Individual portfolios managed by HSBC or HSBC Asset Management primarily reflect individual clients’ objectives, risk preferences, time horizon, and market liquidity.
\nThe value of investments and the income from them can go down as well as up and investors may not get back the amount originally invested. Past performance contained in this document/video is not a reliable indicator of future performance while any forecasts, projections and simulations contained herein should not be relied upon as an indication of future results. Where overseas investments are held the rate of currency exchange may cause the value of such investments to go down as well as up. Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in some established markets. Economies in emerging markets generally are heavily dependent upon international trade and, accordingly, have been and may continue to be affected adversely by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which they trade. These economies also have been and may continue to be affected adversely by economic conditions in the countries in which they trade. Investments are subject to market risks, read all investment related documents carefully.
\nThis document/video provides a high-level overview of the recent economic environment and has been prepared for information purposes only. The views presented are those of HBAP and are based on HBAP’s global views and may not necessarily align with HSBC’s local views. It has not been prepared in accordance with legal requirements designed to promote the independence of investment research and is not subject to any prohibition on dealing ahead of its dissemination. It is not intended to provide and should not be relied on for accounting, legal or tax advice. Before you make any investment decision, you may wish to consult your Wealth Relationship Manager (WRM). In the event that you choose not to seek advice from a WRM, you should carefully consider whether the investment product is suitable for you. You are advised to obtain appropriate professional advice where necessary.
\nThe accuracy and/or completeness of any third-party information obtained from sources which we believe to be reliable might have not been independently verified, hence you must seek information from several sources prior to making investment decision.
\n"},"sipc":{"name":"sipc","anchor":"sipc","html":"HSBC Securities (USA) Inc. is a member of SIPC. Information regarding SIPC, including a SIPC brochure, may be obtained by contacting SIPC via www.sipc.org or by telephone (202) 371-8300. An investment in a bank deposit program insured by the Federal Deposit Insurance Corporation (FDIC) is covered by FDIC insurance (up to allowable limits), but not eligible for SIPC coverage. Please review your statement for additional information on the sweep product in your brokerage account."},"gmt-transaction-times-limits":{"name":"gmt-transaction-times-limits","anchor":"gmt-transaction-times-limits","html":"Transaction times and limits may vary depending on the destination and transaction type. Find out more information here."},"apple-biometrics":{"name":"apple-biometrics","anchor":"apple-biometrics","html":"Apple, iPhone, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries."},"ntbq226campaign":{"name":"ntbq226campaign","anchor":"ntbq226campaign","html":"Q2 2026 New Customer Offer Terms and Conditions
\nOffer valid from April 1, 2026, through and including June 30, 2026 (“Offer Period”). Only New Customers are eligible for this offer.
\nDefinitions:
\n“New Customer” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.
\n“New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
\n“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below.
\nConsumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\nTerms to Qualify for Cash Bonus:
\nNew Customer must meet each of the following requirements to qualify for the cash bonus:
\nFor purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.
\nCash Bonus Tier: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:
\nQualifying Balance: Cash Bonus
\n$150,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,500
\n$500,000-$999,999.99: $3,500
\n$1,000,000+: $5,000
\nIf all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\nAdditional Terms:
\nQ2 2026 Net New Assets Cash Offer Terms and Conditions
\nOffer valid to Premier[@premiereligibility] checking clients from April 15, 2026, through and including June 30, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions:
\n“HSBC” means HSBC Bank USA, N.A., Member FDIC (“HSBC Bank”) and HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC (“HSBC Securities”), as applicable. HSBC Bank provides banking products and services. HSBC Securities provides investment products and services and is an affiliate of HSBC Bank.
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as the first named account holder.
\n“Eligible Account(s)” means a Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account, Spectrum account, advised brokerage account and/or self-directed brokerage account open and funded by June 30, 2026, that is held by the Client.
\n“Ineligible Accounts” means Certificates of Deposit, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts
\n“Eligible Account Balance” means the sum of balances in the Eligible Account(s) held by the Client.
\n“Baseline Balance” means the sum of balances in all consumer checking, savings, and Certificate of Deposit accounts; Spectrum and Managed Portfolio Accounts; and investment, advised brokerage and self-directed brokerage accounts held by the Client as well as accounts held by the Client as the secondary account holder. Baseline Balance does not include balances held in insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“New Assets” means cash and securities not previously held at HSBC. Whether assets were previously held at HSBC is determined at HSBC’s discretion. New Assets must be added to the Eligible Account(s) no later than June 30, 2026, to be counted towards this offer.
\n“Net New Assets” means the net increase of New Assets added by the Client between March 31, 2026, and June 30, 2026. HSBC will compare the Client’s Eligible Account Balance and Baseline Balance as of June 30, 2026, to the Client’s balances as of March 31, 2026. Any transfers, deposits, withdrawals or movements of funds will be included in the Net New Assets calculation and will impact eligibility. Interest and dividends credited to the Client’s Eligible Account(s) will not be included in the Net New Assets calculation. Market fluctuation will not impact eligibility.
\nTerms to Qualify for Tiered Cash Bonus:
\nClient must meet each of the following requirements to qualify for the Tiered Cash Bonus:
\nCash Bonus Tier: The cash bonus amount is tiered and determined by the Client meeting and maintaining the required increase in both the Eligible Account Balance and Baseline Balance:
\nIncrease in Balances: Cash Bonus
\n$150,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,500
\n$500,000-$999,999.99: $3,500
\n$1,000,000+: $5,000
\nDeposit and investment balances will be reviewed periodically from June 30, 2026, through September 30, 2026, to confirm the Client has met the qualifying criteria described above. Between June 30, 2026, and September 30, 2026, the lowest of the Eligible Account Balance increase and Baseline Balance increase during that period will determine the Client’s cash bonus tier. Subsequent New Assets added after June 30, 2026, will NOT count towards the cash bonus tier. If all offer requirements are met, the Tiered Cash Bonus will be paid into the Client’s Premier checking account by November 30, 2026.
\nTerms to Qualify for $1,000 Cash Bonus – Clients without HSBC Securities account:
\n“Eligible HSBC Securities account(s)” means a Managed Portfolio Account, Spectrum account, advised brokerage account or self-directed brokerage account. Excludes any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans
\nClients who did not have an open Eligible HSBC Securities account either as sole or joint owner on March 31, 2026, may qualify for a $1,000 Cash Bonus when the following requirements are met:
\nIf all offer requirements are met, the $1,000 Cash Bonus will be paid into the Client’s Premier checking account by November 30, 2026. Net New Assets added to new Eligible HSBC Securities account(s) will be used to calculate the Tiered Cash Bonus. Net New Assets will not be impacted by Market fluctuations. If all relevant terms and conditions are met, Clients may qualify for both the $1,000 Cash Bonus and the Tiered Cash Bonus.
\nHSBC Bank is acting as payment agent for HSBC Securities for the payment of cash bonus(es) to the Client’s Premier checking account. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You may consult a tax advisor for your specific tax implications.
\nAdditional Terms:
\nHSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.
\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
\n"},"debit-card-fx":{"name":"debit-card-fx","anchor":"debit-card-fx","html":"If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us. This Foreign Transaction Fee does not apply to transactions using your HSBC Premier World Debit Mastercard® card."},"gmt-offer-t-and-c":{"name":"gmt-offer-t-and-c","anchor":"gmt-offer-t-and-c","html":"Global Money Transfer $50 Cash Offer Terms and Conditions
\nOffer available to Premier checking clients from June 8, 2026, through and including August 31, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as either the primary or secondary account holder.
\n“Mobile App” means the HSBC U.S. Mobile Banking app available for iPhone®, iPad®, AndroidTM devices and downloaded from the App StoreTM or Google PlayTM. For details, visit https://www.us.hsbc.com/mobile-banking/#get-app
\n“Global Money Transfer” means Send money internationally using HSBC Global Money Transfers through the Mobile App from your HSBC Premier checking account, Premier savings account, or HSBC Global Money Account to a recipient account outside the U.S. A Global Money Transfer is considered completed when it is successfully processed by HSBC and is not canceled, reversed, rejected, returned, or otherwise not completed for any reason.
\n“USD equivalent” means the value of the Global Money Transfer converted to U.S. dollars using HSBC’s exchange rate applied at the time the transfer is processed, as determined by HSBC’s records.
\n“Foreign Currency” means sending money in a non-USD currency. The Global Money Transfer must be sent in a currency other than USD.
\nHow to Qualify for $50 Cash Bonus
\nTo qualify for the $50 cash bonus (the “Cash Bonus”), the Client must meet all the following requirements during the Offer Period:
\n(1) Have an open HSBC Premier checking account; and
\n(2) Complete one (1) Global Money Transfer using Send money internationally in the Mobile App in a foreign currency with a value of $5,000 USD equivalent or more during the Offer Period. The $5,000 USD equivalent minimum must be met in a single transfer; multiple transfers cannot be combined to meet the minimum.
\nHow to Use Global Money Transfers: https://www.us.hsbc.com/international-banking/global-money-transfers/
\n(3) Be opted-in to receive HSBC marketing emails at the time of your Global Money Transfer and must remain opted-in until your Cash Bonus is paid. To enroll in Marketing communications, follow the step-by-step instructions: https://www.us.hsbc.com/customer-service/opt-in/
\nCash Bonus fulfilment
\nIf you meet all offer requirements, the Cash Bonus will be deposited into your Premier checking account within 8 weeks from the end of the month in which the qualifying Global Money Transfer is made. Your Premier checking account must remain open and in good standing at the time the Cash Bonus is paid.
\nAdditional Terms
\nEligibility / Age: Offer is non-transferable and available only to individuals who are at least 18 years of age and have an active Premier checking account.
\nAccount standing: Your Premier checking account must be open and in good standing at the time of fulfillment. Accounts that are closed, restricted or otherwise not in good standing (as determined by HSBC) may be ineligible.
\nBonus limits: This Cash Bonus may be earned in addition to other HSBC promotional offers or campaign rewards, unless those offers state otherwise. However, this offer is limited to one (1) Global Money Transfer Cash Bonus per Client during the Offer Period, including across all individual and joint accounts. If multiple qualifying transfers are made during the Offer Period, only the first transaction will be eligible for the Cash Bonus.\nQualifying activity timing: All qualifying activities must be completed within the Offer Period. Transfers that are canceled, reversed, rejected, returned, or not completed during the Offer Period will not qualify.\nChanges / termination: All promotional offers, products and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC without notice.\nJurisdiction: Offer is only available to Clients where permitted and is not available in all jurisdictions.\nClient exclusions: Employees, officers, directors, agents, or representatives of HSBC and/or Household Members of such person, including any joint account owners, are not eligible. Private Bank clients are not eligible. “Household Members” shall mean those people who share the same residence.\nTaxes: The Cash Bonus may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You are responsible for any applicable taxes.
\nOpt-Out / Contact
\nIf you would like to opt out of this campaign, decline the Cash Bonus, or stop future marketing messages for this campaign, please contact us and reference: Global Money Transfer Campaign $50 Cash Offer. You can Chat with us 24 hours a day, 7 days a week on the Mobile App or at us.hsbc.com/chatwithus. You can call us at (888) 662-4722 or outside the U.S. or Canada at (716) 841-6866 or contact a Wealth Relationship Manager.
\n"},"award-winning-gmt":{"name":"award-winning-gmt","anchor":"award-winning-gmt","html":"HSBC Global Money Transfers received the ‘Best Cross-Border Payments Platform’ award at the 2025 Global Retail Banking Innovation Awards."},"earning-points-prem-and-elite-short":{"name":"earning-points-prem-and-elite-short","anchor":"earning-points-prem-and-elite-short","html":"How Points are Earned: You earn Points when you use your card to make new purchases (minus returns, credits, and adjustments). All purchases and Points earned are based on the Merchant Category Code (“MCC”) under which the merchant processes the transaction. HSBC is not responsible for the merchant’s transaction description, or the exclusion of merchants within an MCC.
\nRewards Redemption: All reward options are subject to limited availability and to the applicable terms, conditions and restrictions set by third-party suppliers. HSBC Bank USA, N.A. reserves the right, without prior notice, to replace existing reward items with new items, discontinue any reward item at any time; and substitute any reward with another of equal or greater value where necessary. Redemption levels, point values and reward availability may be amended or withdrawn at any time without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.
\n"},"eliterewardsprogram":{"name":"eliterewardsprogram","anchor":"eliterewardsprogram","html":"With the HSBC Elite Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”)."},"premrewardsprogram":{"name":"premrewardsprogram","anchor":"premrewardsprogram","html":"With the HSBC Premier Rewards Program (also referred to as the “Program”) you earn points with every eligible purchase. The Program gives you the opportunity to use Rewards Program Points (“Points”)."},"etbq326campaign":{"name":"etbq326campaign","anchor":"etbq326campaign","html":"Q3 2026 Net New Assets Cash Offer Terms and Conditions
\nOffer valid to Premier[@premier] checking clients from July 1, 2026, through and including August 31, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions:
\n“HSBC” means HSBC Bank USA, N.A., Member FDIC (“HSBC Bank”) and HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC (“HSBC Securities”), as applicable. HSBC Bank provides banking products and services. HSBC Securities provides investment products and services and is an affiliate of HSBC Bank.
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as the first named account holder.
\n“Eligible Account(s)” means a Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account, Spectrum account, advised brokerage account and/or self-directed brokerage account open and funded by August 31, 2026, that is held by the Client.
\n“Ineligible Accounts” means Certificates of Deposit, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts
\n“Eligible Account Balance” means the sum of balances in the Eligible Account(s) held by the Client.
\n“Baseline Balance” means the sum of balances in all consumer checking, savings, and Certificate of Deposit accounts; Spectrum and Managed Portfolio Accounts; and investment, advised brokerage and self-directed brokerage accounts held by the Client as well as accounts held by the Client as the secondary account holder. Baseline Balance does not include balances held in insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“New Assets” means cash and securities not previously held at HSBC. Whether assets were previously held at HSBC is determined at HSBC’s discretion. New Assets must be added to the Eligible Account(s) no later than August 31, 2026, to be counted towards this offer.
\n“Net New Assets” means the net increase of New Assets added by the Client between June 30, 2026, and August 31, 2026. HSBC will compare the Client’s Eligible Account Balance and Baseline Balance as of August 31, 2026, to the Client’s balances as of June 30, 2026. Any transfers, deposits, withdrawals or movements of funds will be included in the Net New Assets calculation and will impact eligibility. Interest and dividends credited to the Client’s Eligible Account(s) will not be included in the Net New Assets calculation. Market fluctuation will not impact eligibility.
\nTerms to Qualify for Tiered Cash Bonus:
\nClient must meet each of the following requirements to qualify for the Tiered Cash Bonus:
\nCash Bonus Tier: The cash bonus amount is tiered and determined by the Client meeting and maintaining the required increase in both the Eligible Account Balance and Baseline Balance:
\nIncrease in Balances Cash Bonus
\n$150,000-$249,999.99 $1,500
\n$250,000-$499,999.99 $2,500
\n$500,000-$999,999.99 $3,500
\n$1,000,000+ $5,000
\nDeposit and investment balances will be reviewed periodically from August 31, 2026, through November 30, 2026, to confirm the Client has met the qualifying criteria described above. Between August 31, 2026, and November 30, 2026, the lowest of the Eligible Account Balance increase and Baseline Balance increase during that period will determine the Client’s cash bonus tier. Subsequent New Assets added after August 31, 2026, will NOT count towards the cash bonus tier. If all offer requirements are met, the Tiered Cash Bonus will be paid into the Client’s Premier checking account by February 15, 2027.
\nTerms to Qualify for $1,000 Cash Bonus – Clients without HSBC Securities account:
\n“Eligible HSBC Securities account(s)” means a Managed Portfolio Account, Spectrum account, advised brokerage account or self-directed brokerage account. Excludes any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans
\nClients who did not have an open Eligible HSBC Securities account either as sole or joint owner on June 30, 2026, may qualify for a $1,000 Cash Bonus when the following requirements are met:
\nHSBC Bank is acting as payment agent for HSBC Securities for the payment of cash bonus(es) to the Client’s Premier checking account. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You may consult a tax advisor for your specific tax implications.
\nAdditional Terms:
\nIf you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the Cash Bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q3 2026 Net New Assets offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App[@dataratecharges] or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.
\n"},"ntbq326campaign":{"name":"ntbq326campaign","anchor":"ntbq326campaign","html":"Q2 2026 New Customer Offer Terms and Conditions
\nOffer valid from April 1, 2026, through and including August 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.
\nDefinitions:
\n“New Customer” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.
\n“New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
\n“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below.
\nConsumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\nTerms to Qualify for Cash Bonus:
\nNew Customer must meet each of the following requirements to qualify for the cash bonus:
\nCash Bonus Tier: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:
\nQualifying Balance: Cash Bonus
\n$150,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,500
\n$500,000-$999,999.99: $3,500
\n$1,000,000+: $5,000
\nIf all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified.
\nAny payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\nAdditional Terms:
\nQ4 2026 Net New Assets Cash Offer Terms and Conditions
\nOffer is available to Premier[@premier] clients with an open Premier checking account as of August 31, 2026. Valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions:
\n“HSBC” means HSBC Bank USA, N.A., Member FDIC (“HSBC Bank”) and HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC (“HSBC Securities”), as applicable.
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as the first named account holder.
\n“Eligible Account(s)” means a Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account.
\n“Ineligible Accounts” means Certificates of Deposit, advised brokerage account, self-directed brokerage account, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts
\n“Eligible Account Balance” means the sum of balances in the Eligible Account(s) held by the Client.
\n“Baseline Balance” means the sum of balances in all consumer checking, savings, and Certificate of Deposit accounts; Spectrum and Managed Portfolio Accounts; and investment, advised brokerage and self-directed brokerage accounts held by the Client as well as accounts held by the Client as the secondary account holder. Baseline Balance does not include balances held in insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“New Assets” means cash and securities not previously held at HSBC. Whether assets were previously held at HSBC is determined at HSBC’s discretion. New Assets must be added to the Eligible Account(s) no later than December 31, 2026, to be counted towards this offer.
\n“Net New Assets” means the net increase of New Assets added by the Client between August 31, 2026, and December 31, 2026. HSBC will compare the Client’s Eligible Account Balance and Baseline Balance as of December 31, 2026, to the Client’s balances as of August 31, 2026. Any transfers, deposits, withdrawals or movements of funds will be considered in the Net New Assets calculation and will impact eligibility. Interest and dividends credited to the Client’s Eligible Account(s) will not be included in the Net New Assets calculation. Market fluctuation will not impact eligibility.
\nTerms to Qualify for Tiered Cash Bonus:
\nClient must meet each of the following requirements to qualify for the Tiered Cash Bonus:
\nCash Bonus Tier: The cash bonus amount is tiered and determined by the Client meeting and maintaining the required increase in Net New Assets:
\nIncrease in Net New Assets: Cash Bonus
\n$50,000-$149,999.99: $500
\n$150,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,500
\n$500,000-$999,999.99: $3,500
\n$1,000,000-$2,499,999.99: $7,000
\n$2,500,000+: $10,000
\nWe will review your Net New Assets between December 31, 2026, and March 31, 2027, to confirm that you meet the offer requirements. Your cash bonus tier will be based on the lowest Net New Asset increase recorded at any time during that period, even if your balance increases and then drops. New Assets added after December 31, 2026, will not be considered. New Assets will not be impacted by Market fluctuations. If you meet all requirements, we will pay the cash bonus into your Premier checking account by May 31, 2027.
\nQ4 2026 New to Wealth Cash Offer eligibility: Clients who did not have an open Eligible HSBC Securities Account on August 31, 2026, whether as a sole or joint owner, may also be eligible for the Q4 2026 New to Wealth Cash Offer, subject to its Terms and Conditions. Only Net New Assets added to new Eligible Managed Accounts will be counted towards the Net New Assets calculation for this offer’s Tiered Cash Bonus. “Eligible HSBC Securities Account” means a Managed Portfolio Account or Spectrum account (“Eligible Managed Accounts”), or an advised or self-directed brokerage account (“Eligible Brokerage Accounts”), and excludes all retirement accounts (including, without limitation, IRAs, Keogh, SIMPLE IRAs and 401(k) plans).
\nHSBC Bank is acting as payment agent for HSBC Securities for the payment of a cash bonus to the Client’s Premier checking account. Any payment may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You may consult a tax advisor for your specific tax implications.
\nAdditional Terms:
\nQ4 2026 New to Wealth Cash Offer Terms and Conditions
\nOffer is available to existing and new Premier[@premier] clients who (i) have an open Premier checking account on or before December 18, 2026, AND (ii) did not have an open Eligible Account on August 31, 2026. The offer is valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). See below for full eligibility details.
\nDefinitions
\n“HSBC” means HSBC Bank USA, N.A., Member FDIC (“HSBC Bank”) and HSBC Securities (USA) Inc., Member NYSE/FINRA/SIPC (“HSBC Securities”), as applicable.
\n“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as the first named account holder.
\n“Eligible Account(s)” means a Managed Portfolio Account or Spectrum account (“Eligible Managed Accounts”), or an advised or self-directed brokerage account (“Eligible Brokerage Accounts”), and excludes all retirement accounts (including, without limitation, IRAs, Keogh, SIMPLE IRAs and 401(k) plans).
\n“Ineligible Accounts” means insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\n“Eligible Account Balance” means the sum of balances in the Eligible Account(s) held by the Client.
\n“New Assets” means cash and securities not previously held at HSBC Securities and determined at HSBC’s discretion. The New Assets must be added to the Eligible Account(s) no later than December 31, 2026 to be counted towards this offer. Any transfers, deposits, withdrawals, or movements of funds will be considered in the New Assets calculation and will impact eligibility. Interest and dividends credited to the Client’s Eligible Account(s) will not be included in the New Assets calculation. Market fluctuation will not impact eligibility.
\nTerms to Qualify for New-to-Wealth Cash Bonus:
\nClient must meet each of the following requirements to qualify for a New-to-Wealth Cash Bonus:
\n\nEligible Managed Account:
\nNew assets: $50,000 or more
\nCash bonus: $1,000
\nEligible Brokerage Account:
\nNew assets: $25,000 or more
\nCash bonus: $500
\nMaintain New Assets in the Eligible Account(s) through March 31, 2027.
\nBe opted in to receive HSBC marketing emails by March 31, 2027, and remain opted in through May 31, 2027. To opt in, follow the instructions at: https://www.us.hsbc.com/customer-service/opt-in/
\nOnly one cash bonus will be paid per Client under this offer. If a Client meets the New-to-Wealth Cash Bonus requirements for both an Eligible Managed Account and an Eligible Brokerage Account, HSBC will pay the Eligible Managed Account $1,000 cash bonus.
\nWe will review your New Assets between December 31, 2026, and March 31, 2027, to confirm that you meet the offer requirements. Your cash bonus will be based on the lowest New Assets increase recorded at any time during that period, even if your balance increases and then drops. New Assets added after December 31, 2026, will not be considered. New Assets will not be impacted by Market fluctuations. If you meet all requirements, we will pay the cash bonus into your Premier checking account by May 31, 2027.
\nNew Premier clients qualifying balance: For new Clients who opened their Premier checking account after August 31, 2026, New Assets deposited into newly opened Eligible Account(s) will be counted in the calculation of the Qualifying Balance for the Q4 2026 New Customer Offer or Share the Experience Offer, as applicable.
\nHSBC Bank is acting as payment agent for HSBC Securities for the payment of a cash bonus to the Client’s Premier checking account. Any payment may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You may consult a tax advisor for your specific tax implications.
\nAdditional Terms:
\nHSBC Premier World Mastercard® credit cardholders earn points on new purchases (minus returns, credits, and adjustments) that post to the account. New purchases do not include balance transfers, credit card checks, or cash advances. Earn rate is based on the merchant category code (“MCC”) assigned by Mastercard and is subject to change.
\nHSBC does not control the assignment, definition, or classification of MCC codes and is not responsible for the codes used by merchants. Even though a merchant may sell an item that appears to fit within the listed category, the merchant may not have a code that falls within the categories listed. HSBC is not responsible for the merchant’s transaction description, or the exclusion of merchants within an MCC. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-premier/ for details.
\n"},"new-points-earn-rate-elite":{"name":"new-points-earn-rate-elite","anchor":"new-points-earn-rate-elite","html":"HSBC Elite World Elite Mastercard® credit cardholders earn points on new purchases (minus returns, credits, and adjustments) that\npost to the account. New purchases do not include balance transfers, credit card checks, or cash advances. Earn rate is based on the\nmerchant category code (“MCC”) assigned by Mastercard and is subject to change.
\nHSBC does not control the assignment, definition, or classification of MCC codes and is not responsible for the codes used by merchants. Even though a merchant may sell an item that appears to fit within the listed category, the merchant may not have a code that falls within the categories listed. HSBC is not responsible for the merchant’s transaction description, or the exclusion of\nmerchants within an MCC. Please see HSBC Elite World Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-elite/ for details.
\n"},"self-directed-cross-border-eligibility":{"name":"self-directed-cross-border-eligibility","anchor":"self-directed-cross-border-eligibility","html":"Subject to cross-border eligibility."},"award-winning-gma":{"name":"award-winning-gma","anchor":"award-winning-gma","html":"HSBC Global Money Account received the ‘Best Multicurrency Account’ award at the 2025 Global Retail Banking Innovation Awards."},"brokerage-transfer-account-eligibility":{"name":"brokerage-transfer-account-eligibility","anchor":"brokerage-transfer-account-eligibility","html":"Accounts eligible for sending and receiving these transfers include all HSBC Checking and deposit accounts, except for Certificates of Deposit (CDs), Foreign Currency accounts, Term Deposit accounts, Trust accounts, Corporate accounts.
\nThis feature is available only for HSBC Securities advised brokerage and self-directed brokerage accounts. HSBC Securities IRA and Managed accounts are not eligible.
\nTransfers may require additional review or approval. Funds availability and posting may be delayed if additional information is required.
\n"},"sufficient-funds-for-transfer":{"name":"sufficient-funds-for-transfer","anchor":"sufficient-funds-for-transfer","html":"Please note, your cash balance from your HSBC Securities account must have sufficient funds to complete the transfer. Available Margin balances may not be transferred."},"check-transfer-details":{"name":"check transfer details","anchor":"check-transfer-details","html":"Please check your transfer details carefully before confirming."},"wealth-education-disclaimer":{"name":"wealth-education-disclaimer","anchor":"wealth-education-disclaimer","html":"HSBC did not assist in the preparation of this information and its accuracy and completeness are not guaranteed. The opinions expressed are those of the content owner and are not necessarily those of HSBC or their affiliates. The opinions of HSBC Group, or any of their affiliates, may differ from those of the content owner. The third party information and materials shared are independent and are not affiliated with HSBC or their affiliates.
\nThis information is intended as general investment education and is not intended to be a recommendation, as defined by the US Securities and Exchange Commission. This information is not intended to be used as the primary basis for investment decisions. For individualized tailored recommendations based on your needs or objectives, please contact your financial professional directly for more information.
\nThe material is not a solicitation to buy, or a solicitation to sell any investment/insurance product, security or instrument in any trading strategy.
\nThe material and opinions are not intended as tax or legal advice. Neither HSBC, nor any of its representatives may give legal or tax advice.
\n"},"ntbq426campaign":{"name":"ntbq426campaign","anchor":"ntbq426campaign","html":"Q4 2026 New Customer Offer Terms and Conditions
\nOffer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.
\nDefinitions:
\n“New Customer” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.
\n“New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
\n“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. Consumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
\nTerms to Qualify for Cash Bonus:
\nNew Customer must meet each of the following requirements to qualify for the cash bonus:
\n\nFor purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.
\nCash Bonus Tier: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:
\nQualifying Balance: Cash Bonus
\n$50,000-$99,999.99: $1,000
\n$100,000-$249,999.99: $1,500
\n$250,000-$499,999.99: $2,000
\n$500,000+: $3,000
\nIf all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
\nImportant: The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria[@premiereligibility], you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.
\nAdditional Terms:
\nHow to earn Points: HSBC Premier World Mastercard® or HSBC Elite World Elite Mastercard® credit cardholders earn points on new purchases (minus returns, credits, and adjustments) that post to the account. New purchases do not include balance transfers, credit card checks, or cash advances. Earn rate is based on the merchant category code (“MCC”) assigned by Mastercard and is subject to change. HSBC does not control the assignment, definition, or classification of MCC codes and is not responsible for the codes used by merchants. Even though a merchant may sell an item that appears to fit within the listed category, the merchant may not have a code that falls within the categories listed. HSBC is not responsible for the merchant’s transaction description, or the exclusion of merchants within an MCC. Please see HSBC Premier World Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-premier/ or the HSBC Elite World Elite Mastercard® credit card Rewards & Benefits Guide us.hsbc.com/gtb-elite/ for details.
\nRewards Redemptions: All reward options are subject to limited availability and to the applicable terms, conditions and restrictions set by third-party suppliers. HSBC Bank USA, N.A. reserves the right, without prior notice, to replace existing reward items with new items, discontinue any reward item at any time; and substitute any reward with another of equal or greater value where necessary. Redemption levels, point values and reward availability may be amended or withdrawn at any time without prior notice.
\nYou can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Premier World or, Elite World Elite Mastercard credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint account holder are eligible.
\n"}}