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Fluent in seizing the opportunity

Make the most of studying abroad with an HSBC checking account

Studying abroad gets a little easier with an HSBC checking account1.

Now begins the opportunity to write your own story. Your time studying abroad in the U.S. will be filled with new friends, classes, challenges, and successes. There is a lot to experience. There is a lot to learn. Whether you currently reside in the U.S. or in the process of making your transition, we understand the importance of making your transition as smooth as possible so you can focus on the exciting opportunities ahead. 

When you open an HSBC checking account in the U.S., you'll have the option to connect it to an HSBC account back home. So you can easily access and manage money wherever and whenever you need it for books, supplies, and other expenses. To learn more about how to open your new U.S. HSBC checking account, check out the simple steps listed below. We're here to help you take care of your finances so you can make the most of your time in the U.S. Open an HSBC checking account today. And best of luck with your adventure. 

Welcome to the U.S.

Get an HSBC U.S. Checking Account

From before you arrive to once you’ve landed, we can help each step of the way

HSBC Premier4 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'm at least 18 years of age
  • I am currently located in one of the following countries8

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.

International DNA

We have been serving International clients since HSBC was founded in 1865. Today HSBC is one of the world’s largest banking and financial services organizations serving more than 37 million customers worldwide, across 40+ countries. We understand moving abroad is equally exciting and a bit scary at times – we can be your helping hand when you arrive in the U.S.

New to U.S. Services

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

Local banking needs

Always be ready by quickly opening checking and savings accounts.

Credit Cards

You may be eligible to apply for a U.S. credit card without an established U.S. credit history5

Manage your Money Internationally

Seamlessly transfer funds between your eligible international HSBC deposit accounts. Benefit from fast and secure transfers with no transfer fees from your eligible U.S. HSBC account6.

International Mortgage

International borrowers with qualifying documentation do not need U.S. credit report to apply for an HSBC Mortgage7 for a U.S. property.

Emergency cash assistance

In case you need a helping hand while you're abroad.

Moving to America Made Easy

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 For students located in China, we will refer you to our International Banking Center in Ghangzou, as local regulations in China do not allow us to process your application while you are still based in mainland China. For all other countries, your U.S. International Banking Center will be able to help directly.

Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

4 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.

5 HSBC Credit Card are issued by HSBC Bank USA, N.A. subject to credit approval and certain requirements. To learn more speak with an HSBC representative for details.

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

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.

8 International account opening is available if your are physcially 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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