Good friends deserve better banking

It’s a great time to refer friends to HSBC. You can receive a $100 deposit for each referral, after someone you refer opens a qualifying HSBC Premier1, Advance2, or Choice Checking3 account in a branch or over the phone. Your earnings are limited to $2,000 per calendar year.

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 90 calendar days of account opening4. Offer valid from June 3, 2019 through and including August 31, 2019. 

 

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? Full offer Rules and Requirements

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 Premier relationship requires 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. 

2 Advance relationship requires 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. 

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.

4 Account opening date is considered day one of the 90 calendar days count.

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 3 years, a HSBC consumer deposit or investment account; customers eligible for this offer now include mortgage and Credit Card customers; 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 each 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. Note: Estate accounts are ineligible to make referrals or be referred under this offer.

Current HSBC Customer: You will receive a $100 referral bonus to your qualifying HSBC Premier, HSBC Advance, or HSBC Choice Checking account for all referrals who open a new HSBC Premier, HSBC Advance, or HSBC Choice Checking 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 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 June 3, 2019 through and including August 31, 2019. The new account must be fully funded within 90 calendar days of account opening4, [refer to footnotes 1, 2, and 3 above for funding requirements]. 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. Any prior 2019 Share the Experience referral bonus amount is final. A customer can use only one referral code at the time of account opening.

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.

*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.

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.

© 2019 HSBC Bank USA, N.A.