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International Banking in the U.S.

Banking is not always easy when you’ve just arrived in the U.S. – we’re here to help

Banking solutions for international clients

Whether you’re starting a new life, planning a move or looking to invest in the U.S., we’re here to help –
even if you don’t have a U.S. permanent residential address, a Social Security Number or a U.S. established credit score yet. As an international bank, HSBC can connect you to a world of new possibilities and help you navigate your financial commitments both in the U.S. and abroad.

Open an HSBC U.S. Checking Account1

Unique benefits and top products for our international customers

Set up your account remotely

  • Open an U.S. checking account before you arrive and get your debit card in your mail2
  • Connect U.S. checking accounts with your global accounts and transfer funds between them
  • Set up online and mobile banking in the U.S.

Build your U.S. credit score

  • Open an U.S. Credit Card and get it in your mail when you arrive in the U.S.
  • No Foreign Transactions fees
  • Rewards Program available plus travel, shopping, and entertainment benefits

 

Send no fee Global Transfers3 up to $200,0004

  • No transfer fee from eligible U.S. HSBC deposit accounts
  • View all accounts online, in one place through Global View3 
  • Generous transfer limits

Borrow up to US $4 million in home financing5

  • Up to US $4 million in financing
  • Up to 75% loan-to-value ratio

HSBC Premier6 checking balance requirement options

To waive the $50 monthly maintenance fee, you’ll need to meet one of the below requirements:

  • $75,000 minimum balance in combined balances in U.S. Dollar personal deposit accounts and investment* balances OR
  • Recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR
  • U.S. residential mortgage loan with an original loan amount of at least $500,000 OR
  • If you are a Premier or Jade customer in your home country, you are eligible to be a Premier customer in the U.S.

Get started

Apply online for an HSBC Premier checking account

Get on a secure video call with us

In three easy steps, you can open a new account through a secure video call.

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

All accounts will get the interest rates and Annual Percentage Yields (APYs) in effect when the account is opened and funded online. See Terms & Charges Disclosures for more information.
 

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Common questions

Helpful information about setting up your finances in the U.S.

 

Relocating for a job, planning to move, just arrived, or you’re already here and have decided to stay

 

Whether you’re buying a home in the U.S. to live in or use as an investment6

 

For international students who need a checking account or credit card

 
This link will open in a new window

Whether you’re wondering what visa is right for you or understanding the mysteries of the American workplace, we hope this informational guide will help make your relocation to the U.S. smooth and successful.

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 www.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.

1 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.  

2 Home shipping service may not be available depending on how close you are to your departure date for the U.S. Our International Banking Center team will explain which options are available to you.

3 Global View and Global Transfers are only available for HSBC Premier6 and HSBC Advance12 clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

4 Generous single Global Transfers limit allows you to transfer larger amounts between your eligible deposit accounts. The maximum outbound and inbound Global Transfers limit for U.S. HSBC accounts is US $200,000 per transaction, per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

5 International borrowers must have qualifying documentation to be eligible for an HSBC Preferred Mortgage, HSBC Deluxe Mortgage or HSBC Elite Mortgage. Monthly mortgage payments must be made in U.S. funds.

6 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $75,000 in combined U.S. Dollar personal deposit accounts and investment* balances OR recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR any HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.  

7 International account opening is available if you are physically located in the following countries (subject to changes): Argentina, Armenia, Australia, Bahrain, Belgium, Bermuda, Brazil, Canada, Chile, Egypt, France, Germany, Greece, Guernsey, Hong Kong, India, Isle of Man, Israel, Jersey, Kenya, Lebanon, Malaysia, Mexico, Netherlands, Norway, Philippines, Poland, Portugal, Russia, Singapore, South Africa, Spain, Sweden, Switzerland, Thailand, Turkey, UAE, UK, USA, Uruguay, Venezuela, Vietnam.

8 The HSBC Group operates through a network of affiliates and subsidiaries around the world.

9 Portable HSBC credit history is not available in all countries.

10 Mortgages outside the U.S. are offered by various HSBC Bank USA, N.A. affiliates overseas, and are not offered by its U.S. subsidiaries or affiliates.

11 HSBC Premier clients can receive an emergency encashment of up to U.S. $2,000 or local currency equivalent immediately or up to U.S. $10,000 or local currency equivalent upon authorization from local country. HSBC Advance clients can receive an emergency encashment of up to U.S. $10,000 or local currency equivalent upon authorization from local country. You will just need to show proper identification at any HSBC branch. Encashment is dependent on available balance; local country limitations may apply. 

12 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts OR a monthly recurring direct deposit from a third party to an HSBC Advance checking account OR an HSBC U.S. residential mortgage loan. Home Equity products are not included. A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

13 Incoming wire transfers may be subject to fees from non-HSBC financial institutions. Please check your account terms and charges for further details. HSBC is not responsible for these charges.

14 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® card.

* Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for 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. 

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.

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

 

 

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