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Earn up to $2,000

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

Referring friends has never been so rewarding

It’s a great time to refer friends to HSBC, as higher incentives for you and your friends are staying around. 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 qualifying HSBC Premier1, Advance2, or Choice Checkingaccount in a branch or over the phone. Your earnings are limited to $2,000 per calendar year. 

How much can I get rewarded?

Qualified Referrals

Amount You Earn

1st - 2nd

$100 per referral

3rd+

$200 per referral

Annual Referral Bonus Limit

$2,000

How much can I get rewarded?

Qualified Referrals

1st - 2nd

Amount You Earn

$100 per referral

Qualified Referrals

3rd+

Amount You Earn

$200 per referral

Qualified Referrals

Annual Referral Bonus Limit

Amount You Earn

$2,000

      

Plus, your friends can get rewarded too

They’ll receive a referral bonus when they use the assigned personalized referral code to open a new qualifying checking account in a branch or over the phone, and meet the minimum funding requirements within six months of account opening. Offer valid from September 1, 2018 through and including December 31, 2018. 

 

Your friends get a one-time bonus

Premier1

$500

Advance2

$250

Choice Checking3

$100

Your friends get a one-time bonus

Premier1

Advance2

$500

$250

Premier1

Choice Checking3

$500

$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 balances of $100,000 in combined U.S. Dollar personal deposit accounts and investment* balances. 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 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 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. 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 minimum balance or minimum balance with direct deposit requirement is not met.

3 To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an HSBC Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

*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.

Note: Estate accounts are ineligible to make referrals or be referred under this offer.

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 deposit accounts, investment accounts, and mortgages) 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, a $200 referral bonus for each additional referral who opens a qualifying account, 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 September 1, 2018 through and including December 31, 2018. The new account must be fully funded within six months of account opening, refer to footnote 1 above for funding requirements. Account opening date is considered day one of the six month count. Accounts/Assets that are ineligible from funding requirements for this offer 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. 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 U.S. HSBC 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. HSBC reserves the right to change or terminate this offer at its sole discretion.

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