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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

Get a head start in the U.S. with HSBC

  • Open an HSBC checking account from December 30, 2019 through and including December 31, 2020 and enjoy a 6-month complimentary access to our New to U.S. Services1 program.
  • New to U.S. Services offers exclusive pricing on select services and premium access to a range of unique benefits to help you settle in.

Open an HSBC U.S. Checking Account2

Already a customer? Access your New to U.S. Services.

Download the New to U.S. Services App today

HSBC Premier3 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

Applying for an HSBC Premier checking account?

  • Let's do a quick check on your eligibility first
  • I am eligible if:

    o I am not a U.S. Citizen OR

    o I don’t have a U.S. Social Security number OR

    o I’ve lived in the U.S. for less than 2 years

  • I'm applying for an individual Premier checking account (not joint account)
  • I am at least 18 years of age
  • I'm currently located in one of the following countries4

Not what you’re looking for or can’t apply online?
Get on a secure video call with us

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

If you’re looking to open an HSBC checking account in Hong Kong to receive HKSAR Cash Payout in response to COVID-19, visit your nearest branch.

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

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

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, 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.

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 New to U.S. Services Terms and Conditions: This offer is only available for New to Bank customers who open an HSBC checking account through HSBC’s International Banking Centers or a U.S. HSBC branch from December 30, 2019 through and including December 31, 2020. Applicants must have arrived in the U.S. from January 1, 2019 through and including December 31, 2020 in order to be eligible for the 2020 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 6 months of account opening. Additional restrictions may apply.

HSBC New to U.S. Services
HSBC New to U.S. Services is delivered by Aspire Lifestyles under which Aspire Lifestyles and its affiliates (“Supplier”) will deliver lifestyle services available under the HSBC New to U.S. Services. Supplier subject to change.  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 service 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.  Your contact details are held with your permission so that you can access the Service. Supplier is solely responsible for the protection of your contact details. 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.  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). HSBC Bank reserves the right to change or terminate this offer at its sole discretion.

30 day SIM card
Supplier will provide and deliver applicable SIM Card. SIM Card wireless carrier is T-Mobile. Supplier and wireless carrier subject to change.  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, calculated and applied solely by Supplier, will be covered by HSBC Bank, thereafter, Supplier may provide special pricing should you continue with the same SIM Card.  SIM card is for use in the U.S. only. Requires 4G and above compatible handset. Plan – 2 GB data + unlimited calls to over 190 countries as determined by Supplier + 200 texts messages. 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; Subject to Supplier, SIM Card can be extended for 30-day increments within 5 days of each expiration date of SIM Card and becomes non-renewable at 5 days past expiration. Automatic 30-day increment renewal may 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.  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). HSBC Bank reserves the right to change or terminate this offer at its sole discretion.  

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

3 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.

4 International account opening is available if you are physically located in the following countries (subject to changes).

* 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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