Top of main content

Welcome to HSBC Premier

Premium banking with no fees, no hassle, and no borders on everyday banking transactions1

HSBC Premier2 provides dedicated support to help you support your financial journey.

Thank you for choosing HSBC Premier. We recognize there are important financial decisions attached to the pivotal moments in your life, and we look forward to being there for every milestone and all the steps in between.

Access Personal Internet Banking

No Fees

  • Everyday banking

    No fees on everyday banking transactions1

  • No wire transfer fees

    No incoming3 or outgoing4 wire transfer fees

  • No foreign transaction fees

    No foreign transaction fees on your Premier debit or credit card

  • No ATM fees

    Within the U.S., no HSBC ATM fees5 and unlimited Third Party ATM rebates6

No Hassle

  • Flexible eligibility

    Flexible eligibility criteria2, making it easier to become a Premier client

  • Shared Premier status

    Ability to extend your Premier status to up to four family members7

  • Do business on your terms

    Choose how, when and where you want to do business with your dedicated Premier Relationship Manager

No Borders

  • Emergency cash8 worldwide

    Emergency cash of up to U.S. $10,000 or local currency equivalent at HSBC Premier Centers and HSBC branches around the world should your wallet be lost or stolen

  • Global Premier status

    Automatic Premier status in all countries where you bank with HSBC affiliates

  • Global View and Global Transfers9

    As a Premier client, you can experience a single view of all your global HSBC accounts and make no-fee transfers from your eligible U.S. accounts

Quantify the value of an HSBC Premier relationship

Explore our Premier Benefits Calculator, and add up the savings your Premier checking account can offer you.


The Hexagon Briefing: A Global Perspective from HSBC

HSBC10 is excited to bring you a new podcast11 series with Jose Rasco, HSBC Chief Investment Strategist. This series will provide you with an intimate guide to the world's marketplaces.

A rewarding relationship

Home and Away

Get discounts on dining, travel, shopping and more, only available to Premier clients.

Search for offers in your location, whether you're at home or on your travels.

Premier Tables Dining Program from Aspire Lifestyles

From casual to fine dining, Premier clients can make exclusive restaurant reservations with a VIP experience in major cities across the U.S.

Premier clients can register with the code ‘premiertables’.

Customer Referral Program12

Here’s to friends who share great experiences.

Get rewarded up to $2,000 when friends or family open a qualifying HSBC Premier or Jade relationship using your referral code.

Managing your wealth*

Meet with our financial professionals13 to create a plan that’s right for you.

Planning for retirement?

Check out our latest reporting and findings on the Future of Retirement.

Saving for education?

Learn how to create smart plans for education expenses.

Looking to make informed investment decisions?

See how HSBC can connect your portfolio to global opportunities.

Do you need protection for you and your family?

Find a life insurance policy that’s right for you.

You might also be interested in


Experience more wherever life takes you.


Check out our Premier Savings14 account.


Take advantage of today's low mortgage rates.


HSBC can support your financial needs around the world.

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,, 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  

1 A monthly maintenance fee may apply if certain requirements are not maintained. No HSBC U.S ATM fees when using a third party ATM and unlimited rebates from third party ATM fees in the U.S. Legal Processing fees may apply.

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. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR

• Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR

• HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.

• Consumers who maintain Jade status.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

3 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. 

4 For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction.

5 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.

6 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, HSBC Promotional Premier Savings, and HSBC Premier Relationship Savings. HSBC will rebate qualifying ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

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.

8 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. You will just need to show proper identification at any HSBC branch. Encashment is dependent on your available balance; local country limitations may apply.

9 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.

10 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 Private Banking is the marketing name for the private banking business conducted by the principal private banking subsidiaries of the HSBC Group worldwide. In the United States, HSBC Private Banking offers banking services through HSBC Bank USA, N.A.  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.

11 HSBC Bank USA, N.A. and/or its affiliates (HSBC) offers these podcasts and the opinions expressed therein are for educational purposes only and they should not be considered professional or investment advice. 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. Use of the presentation materials, including audio recording of a presentation, is strictly prohibited.

12 You will receive a $100 referral bonus to your qualifying HSBC Premier account for all referrals who open a new HSBC Premier or HSBC Jade relationship (“Eligible Account”) in the United States, limited to $2,000 in total Share the Experience referral bonuses per calendar year. The qualifying new account must be opened only in a U.S. HSBC branch, over the phone or online at Your qualifying HSBC Premier account must be open and in good standing at time of referral bonus fulfillment. Your referral bonus of $100 will be deposited to your qualifying HSBC Premier account within 8 weeks of your friend's account opening. This new Eligible Account must remain open for at least 21 calendar days. See Offer Rules and Requirements.

13 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, Jade, 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.

14 The HSBC Premier Savings account is available to customers with an HSBC Premier checking account in the United States.

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.

* 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.

Investments, Annuity and Insurance Products:


All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.

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.

Neither HSBC, nor any of its representatives may give legal or tax advice. For a review of your personal finances, you should consult with a tax or legal advisor. 

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

HSBC 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.

We're here to help you. Find the answers and while you're at it, tell us how we could do better.