Savings Made Easy

If you're looking to move beyond your everyday banking needs, HSBC's Everyday Savings account is a good place to start.

Earn interest2 on your money while being able to add or withdraw money.3 

0.01% APY4


$500 minimum balance

A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5.


The HSBC Everyday Savings account is available to all consumers.


Free Personal Internet Banking
24/7 online banking access so you can manage your money night and day.

Ready access
Your money is accessible – for planned purchases or emergency cash - when you need it3,5.

Set up automatic savings
Save time when you set up one or more automatic transfers for the amount and duration you prefer5.

HSBC Mobile Banking6

Your on-the-go solution.


Learn more

How to apply

New to HSBC?

Existing to HSBC?

Are you an international customer?

Switch Kit

We make it easy to switch your account to HSBC.

Switch Kit

Enhance your HSBC relationship

Next Steps

Once you have submitted your online application, we will notify you if it can be approved online or if other information is needed to complete the application. All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded. See Terms and Charges Disclosure for more information.


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

You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past three years to apply for a deposit account online.

Privacy and Security

HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience.



If you need assistance or have questions about the application, please contact us or call 888.404.4050

1 The HSBC Everyday Savings account is available to all consumers. A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5.

2 Interest rate and Annual Percentage Yield (APY) are variable and may change after account opening. Fees may reduce earnings on account. See Terms and Charges Disclosure for more information.

3 Subject to transfer limits and funds availability requirements.

4 The Annual Percentage Yield (APY) and balance for an HSBC Everyday Savings account which is accurate as of {{currentDate}} is 0.01% APY on balances of $1.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings.

5 Federal Reserve Regulation D Transaction Limitations apply.

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

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