Our accounts at a glance

 
  • The more you save, the higher the savings rate with HSBC Premier Savings.1
 
  • Competitive savings rates with HSBC Advance Savings.3
 
  • Traditional savings account that earns interest with HSBC Everyday Savings.5
HSBC Premier Savings1
An exclusive account that offers higher rates as you save more
  • Earn more - competitive tiered interest rates pay higher rates for higher balances.
  • Build your relationship - balance counts towards your monthly minimum HSBC Premier balance requirement.9
  • Your Premier relationship provides access to our comprehensive global banking and investment solutions.

Up to 0.15% APY2

if minimum balance requirement is met

 

View all rates

HSBC Advance Savings3
An account that provides a competitive savings rate
  • Connect your HSBC Advance Savings account to as many checking accounts as you wish - regardless of what bank they are with - and transfer funds between them.7
  • Enjoy the convenience of automatic transfers - set once for the amount and frequency you prefer and your money moves on time without extra effort.7

Up to 0.05% APY4

if minimum balance requirement is met

 

View all rates

HSBC Everyday Savings5
A traditional savings account that earns interest
  • Set up automatic savings – save time when you set up one or more automatic transfers for the amount and duration you prefer.7

0.01% APY6 on balances over $1

View all rates

Each HSBC savings account comes with:

Free Personal Internet Banking

Funds are accessible

Your money is FDIC-insured

Access Terms & Charges Disclosures for more information on deposit accounts.

Access Online Disclosures

Looking to earn more out of your money? Check out our Online CD8 options:

0.75% APY** for 6 Months

0.95% APY** for 12 Months

1.30% APY** for 24 Months

The HSBC Premier Savings account is available to customers with an HSBC Premier9 checking account in the United States.

2 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. Account is not available to business customers. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.

3 The HSBC Advance Savings account is available to customers with an HSBC Premier9 checking or HSBC Advance10 checking account in the United States.

4 The Annual Percentage Yields (APYs) and balances for an HSBC Advance Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $0 - $14,999.99, 0.05% APY $15,000 - $49,999.99, 0.05% APY $50,000 - $74,999.99 and 0.05% APY $75,000 or more. Account is not available to business customers. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.    

5 The HSBC Everyday Savings account is available to all consumers and has no monthly maintenance fee or balance requirements.

6 The Annual Percentage Yields (APYs) and balances for an HSBC Everyday Savings account which are accurate as of {{currentDate}} are: 0.01% APY on balances of $1 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

7 Federal Reserve Reg D Transaction Limitations apply.

8 The Annual Percentage Yields (APYs) for the Online CD Offer are accurate as of 9/10/2019 and apply for the initial term only. A penalty may be imposed for early withdrawal. Minimum balance to open and obtain APY is $1000.

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 an 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.

10 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month OR any HSBC U.S. residential mortgage loan. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

 

*Investments 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.

**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 online. CDs cannot be opened online 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. See the Online Certificate of Deposit Terms & Charges Disclosure for more information.

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.

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. 

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