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Earn up to $2,000

when you refer friends who open a qualifying HSBC account. Log on to get started

The more friends you refer who open a qualifying account, the more you can earn

Share the good times and get rewarded for being a good friend. You can earn up to $2,000 per calendar year when you refer friends to HSBC who open a qualifying account. To help you get there faster, you can receive a $100 deposit for each of your first two referrals and $200 for each additional referral, after someone you refer opens a new qualifying HSBC Premier1, Advance2, or Choice Checking3 account in a branch or over the phone. 

Your bonus doubles to $200 per referral after your second referral

Qualified Referrals

Amount You Earn

1st - 2nd

$100 per referral

3rd+

$200 per referral

Annual Referral Bonus Limit

$2,000

      

Plus, for a limited time, your friends can get a higher bonus

They’ll receive a one-time referral bonus when they use your assigned personalized referral code to open a new qualifying checking account1 in a branch or over the phone, and meet the minimum funding requirements within six months of account opening. Offer valid from May 7, 2018 through and including August 31, 2018.

 

They get a one-time bonus:

Premier1

$500

Advance2

$250

Choice Checking3

$100

How do I Share the Experience?

1. To refer a friend, you must be an HSBC Premier, Advance, or Choice Checking customer. Learn more about our banking relationships.

2. Log on to Personal Internet Banking to view your Share the Experience referral page and personalized referral code.

Not registered for Personal Internet Banking? Click here to sign up.

3. After you log on to Personal Internet Banking, share your personalized referral code with friends by either:

  • providing them with your personalized referral code
  • printing the referral form, which contains your personalized code

4. When your friend opens their new qualifying Premier, Advance, or Choice Checking account, they simply provide the banker with your personalized referral code at account opening. For you to receive credit for the referral, the new account must be opened only in an HSBC branch or over the phone and remain open for 15 business days.

5. Your referral bonus will be deposited to your qualifying HSBC Premier, Advance, or Choice Checking account within 8 weeks of your friend's account opening. Refer to the Rules and Requirements below.

To speak with an HSBC Representative:

Call: 866.909.1271

Rules and Requirements

 

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment* balances. Business owners may use their commercial balances to qualify for a personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

2 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment* balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met. Qualifying direct deposits are electronic deposits of regular periodic payments made into your qualifying checking account through third parties per the stated frequency.

3 Choice Checking relationship requires the maintenance of $1,500 in U.S. consumer deposit and investment* balances or a recurring direct deposit from a third party to a Choice Checking account at least once per statement cycle to avoid a monthly maintenance fee of $15. Qualifying direct deposits are electronic deposits of regular periodic payments made into your qualifying checking account through third parties per the stated frequency.

*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.

 

HSBC Share The Experience Rules and Requirements: HSBC Personal Internet Banking is required to obtain the personalized referral code. To receive your referral bonus, you must have an HSBC Premier, HSBC Advance, or HSBC Choice Checking relationship in the United States and not be an HSBC employee. The individual you refer must not currently hold, nor have held in the past 365 days, any consumer account (including but not limited to mortgages, loans and credit cards) held by any member of the HSBC Group in the U.S.; and the individual you refer must provide your personalized referral code at account opening for you both to qualify to receive credit for the referral bonus. For both you and the individual you refer, the bonus deposit(s) to your qualifying HSBC Premier, HSBC Advance, or HSBC Choice Checking account will be reported on the applicable IRS form. You and the individual you refer will be responsible for any tax resulting from the referral bonus. Please consult your tax advisor if you have questions about the tax treatment of the referral bonus. 

Current HSBC Customer: You will receive a $100 referral bonus to your qualifying HSBC Premier, HSBC Advance, or HSBC Choice Checking account for the first two referrals who open a new HSBC Premier, HSBC Advance, or HSBC Choice Checking account. Then, $200 referral bonus for each additional referral, 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 or over the phone. Your qualifying HSBC Premier, HSBC Advance, or HSBC Choice Checking account must be open and in good standing at time of referral bonus fulfillment. Your referral bonus of $100/$200 will be deposited to your qualifying HSBC Premier, HSBC Advance, or HSBC Choice Checking account within 8 weeks of your friend's account opening. This new qualifying account must remain open for at least 15 business days.

New Customer: Offer valid from May 7, 2018 through and including August 31, 2018. The new account must be fully funded within six months of account opening, refer to footnotes 1, 2, and 3 above for funding requirements. The individual you referred will receive a $500 referral bonus to their new qualifying HSBC Premier checking account, a $250 referral bonus to their new qualifying HSBC Advance checking account, or a $100 referral bonus to their new qualifying HSBC Choice Checking account within 8 weeks from the date their new account is fully funded. The new qualifying account must be open without being changed to a product with lower balance requirements and in good standing at time of gift fulfillment. The qualifying new account must be opened only in a branch or over the phone. The individual you refer may receive a referral bonus only once and can use only one referral code at the time of account opening. Referral bonus is limited to one per household. Any prior 2018 Share the Experience referral bonus amount is final. 

The Annual Percentage Yields (APYs) and balances which are accurate as of {{currentDate}} are: Premier checking 0.01% APY on balances of $5.00 or more and Advance checking 0.01% APY on balances of $5.00 or more but less than $1,000, 0.01% APY $1,000 or more but less than $3,000, 0.01% APY $3,000 or more but less than $10,000 and 0.01% APY $10,000 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.

Terms of Use: By using the personalized referral code to refer a friend, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware 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. Estate accounts are ineligible to make referrals or be referred under this offer. HSBC reserves the right to change or terminate this offer at its sole discretion. U.S. Accounts/Assets that are ineligible include: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts including but not limited to IRAs, Keogh, Simple IRAs, and 401(k) Plans; UTMA and UGMA; commercial accounts; and revocable or irrevocable trust accounts.

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