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Friendship is rewarding even when you're apart.

Get rewarded up to $2,000 when friends open a qualifying HSBC personal or business checking account by July 31, 2021.

Your referred friends will receive a one-time bonus

Personal Banking

Premier $400
Advance $200
Choice Checking $50

Business Banking

Fusion Professional $400
Fusion Smart $300
Fusion First $200

Share The Experience of HSBC

You can receive up to $2,000 when friends open a qualifying HSBC personal or business checking account using your referral code. Plus, your friends can earn a one-time bonus up to $400 with qualifying activities. You must be an HSBC Premier, Advance, Choice Checking, Fusion Professional, Fusion Smart or Fusion First checking customer to refer friends with this offer. Offer valid from February 1, 2021 through and including July 31, 2021.

If you’re a Premier, Advance or Choice Checking customer, here are the steps to refer a friend or business:

Log on to Personal Internet Banking to view your Share the Experience referral page and personalized referral code. If you aren’t registered for Personal Internet Banking? Click here to sign up.

Share your personalized referral code with friends or businesses by either:

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

Remind the person or business you referred to provide your personalized referral code at account opening. They must open the new Eligible Account in an HSBC branch or over the phone for you to receive credit for the referral.

  • If you’re referring a personal account, they can also apply online at us.hsbc.com/refer.

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

If you’re an eligible Fusion customer, here are the steps to refer a friend or business:

To obtain your personalize code, refer to the email you received within one month of account opening or any subsequent HSBC Share the Experience emails. You can also call or email your Relationship Manager and ask for your Share the Experience referral code.

Share your personalized referral code with friends or other businesses.

Remind the person or business you referred to provide the banker with your personalized referral code at account opening. They must open an eligible new account in an HSBC branch or over the phone for you to receive credit for the referral.

Your referral bonus will be deposited to your qualifying HSBC Fusion Professional, Fusion Smart or Fusion First Checking account within 8 weeks of your referral’s account opening. Refer to the Rules and Requirements below.

†Share The Experience Rules and Requirements

Current HSBC Customer: This offer is only valid for (i) consumer customers with an HSBC Premier, HSBC Advance, or HSBC Choice Checking in the United States (“Eligible Consumer Account”) who have access to HSBC Personal Internet Banking (“PIB”), and (ii) Business Banking customers with an HSBC Fusion Professional, HSBC Fusion Smart, or HSBC Fusion First Checking account in the United States (“Eligible Business Account,” and together with Eligible Consumer Account, (“Eligible Account”). Offer valid from February 1, 2021 through and including July 31, 2021 (“Offer Period”). Employees, officers, directors, agents or representatives of HSBC and/or Household Members of such person, including any joint account owners, are not eligible. “Household Members” shall mean those people who share the same residence. You will receive a $100 referral bonus (“Referral Bonus”) to your Eligible Account for each referral who opens a new Eligible Account, limited to a total of $2,000 Referral Bonuses per calendar year. For consumer customers, refer to PIB for your personalized referral code. For Business Banking customers, refer to your Share The Experience email for the referral code, or contact your Business Banking Relationship Manager. If you currently hold an Eligible Consumer Account and refer your business, you will be ineligible for the Referral Bonus but may be eligible for the New Customer Bonus. If you currently hold an Eligible Business Account and refer yourself for a consumer account, you will be ineligible for the Referral Bonus but may be eligible for the New Customer Bonus. You cannot, however, receive either bonus for referring your other business relationship(s). The new Eligible Account must be opened in a U.S. HSBC branch or over the phone. New Consumer Eligible Accounts can also be opened at us.hsbc.com/refer. Your Eligible Account must be open and in good standing at time of Referral Bonus fulfillment. Your Referral Bonus will be deposited to your Eligible Account within 8 weeks of your referral’s new Eligible Account opening. The referral's new Eligible Account must remain open for at least 15 business days. Consumers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible. Businesses who currently hold, or have held in the past 3 years, any HSBC business account are not eligible. The individual or business you refer must provide your personalized referral code at account opening for you to qualify to receive the Referral Bonus. 

Consumer New Customer: This offer is only valid for new Eligible Consumer Accounts (“New Consumer Accounts”) opened during the Offer Period in a U.S. HSBC branch, through HSBC’s customer service line 800.975.4722 (HSBC), or online at us.hsbc.com/refer, during which a valid personalized referral code is provided by the new customer. 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 two years to apply for a deposit account online. The New Consumer Account must meet qualifying requirements   pursuant to the relationship requirements discussed below. If using the combined deposit and/or eligible investment balances for qualification purposes, the balance must be New Money and deposited within 30 calendar days of account opening and you must maintain the minimum eligible required average balance for 90 calendar days (beginning the day the account is funded with New Money). If using another qualifying requirement pursuant to the relationship requirements below, you must meet those requirements within 90 calendar days of account opening. The date of account opening is considered day one for these purposes. New Money is defined as deposits or investments not previously held by any member of the HSBC Group in the U.S. For purposes of determining whether you have maintained the Qualifying Balance for this offer, the New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total 90 calendar day period. References to establishing and maintaining an investment balance/account is not intended to be a recommendation, as defined by the US Securities and Exchange Commission. For individualized tailored recommendations, including establishing and maintaining an investment balance/account, based on your needs or objectives, please contact us for more information. Consumer accounts/assets that are ineligible to fulfill the qualification 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. Customers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible. If all offer requirements are met, the New Customer Bonus will be deposited to the New Consumer Account within 8-12 weeks from the date the new account is fully qualified. The New Customer Bonus is $400 for a new qualifying HSBC Premier checking account, $200 for a new qualifying HSBC Advance checking account, and $50 for a new qualifying HSBC Choice Checking. The New Consumer Account must be open without being changed to a product with lower requirements and in good standing at time of gift fulfillment. Limit one New Account Bonus per new customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. A customer can use only one referral code at the time of account opening. 

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.

The Annual Percentage Yields (APYs) and balances for eligible interest bearing HSBC Premier checking accounts which are accurate as of {{currentDate}} is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings.

To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain:

• Balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR 

• Monthly recurring direct deposit from a third party to an HSBC Advance checking account; OR

• An HSBC U.S. residential mortgage loan. Home Equity products are not included.

A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

The Annual Percentage Yields (APYs) and balances for an HSBC Advance checking account which are accurate as of {{currentDate}} are: 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.

To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain:

• Balances of $1,500 in combined U.S. consumer U.S. Dollar deposit and investment* accounts; OR 

• Monthly recurring direct deposit from a third party to an HSBC Choice Checking account.

A monthly maintenance fee of $15 will be incurred if one of these requirements is not maintained.

Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. other than the HSBC Choice Checking College Monthly Maintenance Fee Waiver offer. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities.

Business Banking/Fusion New Customer: This offer is only valid for new Eligible Business Accounts (“New Business Accounts”) opened during the Offer Period in a U.S. HSBC branch or by calling 833.722.4722 (HSBC) during which a valid personalized referral code is provided by the new customer. Customers who currently hold, or have held in the past 3 years, any HSBC business account are not eligible. The New Business Account must meet the requirements set forth below to qualify for the offer. As described below, you must meet your minimum Qualifying Balance within 60 calendar days. The date of account opening is considered day one for these purposes.  If all offer requirements are met in accordance with the below, the New Customer Bonus will be deposited to the New Business Account within 8 weeks from the date the new account is fully qualified. The New Customer Bonus is $400 for a new qualifying HSBC Fusion Professional Checking account, $300 for a new qualifying HSBC Fusion Smart Checking account, and $200 for a new qualifying HSBC Fusion First Checking account. Limit one New Account Bonus per New Business Account. A business customer can use only one referral code at the time of account opening. If you change to, or subsequently open an additional product with a higher or lower balance requirement, you will receive the bonus that corresponds to the initial product you opened. If you open more than one HSBC business checking account and close the first HSBC business checking account within the requirement period, you will not be eligible for the bonus. Your HSBC business checking account must be in good standing at time of gift fulfillment.  

To qualify for the New Customer Bonus for new Eligible Business Accounts, you will need to complete the following:

Open your new HSBC Eligible Business Account; and 

Deposit a minimum Qualifying Balance1 in New Money2 in the eligible HSBC business checking account within 60 calendar days of account opening; and 

Maintain at least the minimum Qualifying Balance(s) in your eligible business checking account for 90 calendar days from the date you deposit the initial minimum Qualifying Balance; and 

Complete 6 qualifying transactions3 within 60 calendar days of account opening. Qualifying transactions include: debit card purchases, any check deposited or written, ACH debits and credits, incoming and outgoing Real-Time Payments®4, and incoming and outgoing wires.

1 Qualifying Balance in New Money2 requirements are:   

• Fusion First Checking Account: $5,000

• Fusion Smart Checking Account: $25,000

• Fusion Professional Checking Account: $75,000

Monthly maintenance fees apply for all Fusion Checking Accounts, please consult your Terms and Charges Disclosures for fee amounts and waiver criteria.  

2 New Money is defined as funds not previously held by any member of the HSBC Group in the U.S. For purposes of determining whether you have maintained the qualifying balance for the New Customer Bonus, New Money average balance will be calculated by averaging the end of day balances 

of each Business Day throughout the total 90 calendar day period. 

3 Some qualifying transactions may have an associated fee and may require HSBCnet to execute the transaction. You may be charged additional fees by the ATM operator or network used, including a fee by another HSBC entity operating ATMS outside of the U.S. Foreign currency conversion rates may still apply.  Refer to your HSBC business checking account Terms and Charges disclosure for fees associated with your account.  

4 RTP® is a registered service mark of The Clearing House Payments Company LLC

Terms of Use: By using the personalized referral code to refer someone or open an account, 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. For both you and the individual/business who referred you, the bonus deposit(s) to your qualifying Eligible Account will be reported on the applicable IRS form. You and the individual/business who referred you may be responsible for any tax resulting from the bonus. Please consult your tax advisor if you have questions about the tax treatment of the bonus. Note: Estate and Trust accounts are ineligible to make referrals or be referred under this offer. This Offer Terms and Conditions is current as of February 1, 2021. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time. Please visit your local HSBC Branch for detailed and up-to-date information. Retain for your records.

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.

*Investments and certain insurance products, including annuities, 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 provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, National Association. Products and services may vary by state and are not available in all states. California license #: OD36843.

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

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