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You’ve been referred1 to HSBC

Get up to $1,000 when you open an eligible HSBC Premier or Jade checking account and complete qualifying activities

You get rewarded too

Your friend wants the best for you, that’s why they’ve referred you to HSBC. 

Take advantage of your referral bonus by choosing one of these HSBC checking account offers available.

Offers end December 31, 2021

$400 referral bonus

HSBC Premier

A higher level of banking support with a global reach.

$1,000 referral bonus

HSBC Jade

A world of extraordinary experiences, with your passions and goals at the core of everything we’ve designed.

To apply online you will need

  • be 18 years of age and have a Social Security Number
  • Current U.S. residential address and a U.S. residential address for the past one year
  • Account information for funding your new account

How to qualify

For a limited time, take advantage of our Share The Experience offer by opening a new HSBC Premier checking account with qualifying activities.

✔ Open your new HSBC Premier checking account online, using this offer page and your friend’s name and referral code, by December 31, 2021; AND

✔ Deposit New Money balances of $75,000 in combined deposit and/or eligible investment accounts, within 30 calendar days of account opening and maintain the minimum eligible required average balance for 90 calendar days; OR

 Make recurring qualifying direct deposits totaling at least $5,000 per month to an HSBC Premier checking account(s) within 90 calendar days of account opening; OR

✔ Open an HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages within 90 calendar days of account opening. Home Equity products are not included. 

✔ How to qualify for HSBC Jade status: Once you’ve opened your new HSBC Premier checking account, (1) deposit New Money balances of $1,000,000 in Personal Cash Accounts and/or Personal Investment Assets (excluding Retirement Accounts and Assets) within 90 calendar days of account opening and (2) Maintain the Qualifying Balance for the next full calendar month after meeting the relationship requirement in order to be eligible for HSBC Jade.

For HSBC Premier, you will automatically receive the $400 Share The Experience offer in your new checking account 8-12 weeks from the date the new account is fully qualified.

For HSBC Jade, you will automatically receive the $1,000 Share The Experience offer in your new checking account 8-12 weeks from the date the new account is fully qualified.

If you do not qualify for HSBC Jade within the stated time frame but do meet the qualifying requirements for HSBC Premier, you will be eligible for the HSBC Share The Experience Premier bonus of $400.

Premier checking is subject to a monthly maintenance fee if the minimum requirements are not maintained.*

No Fees

  • Everyday banking 
    No fees on everyday banking transactions2
  • No HSBC wire transfer fees 
    No incoming3 or outgoing4 wire transfer fees
  • No foreign transaction fees 
    No foreign transaction fees on your Premier debit5 or credit card
  • No ATM fees 
    No U.S. HSBC ATM fees6 worldwide and unlimited Third Party ATM rebates within the U.S.7

No Hassle 

  • Flexible eligibility1
    Flexible eligibility criteria, making it easier to become a Premier client
  • Shared Premier status 
    Ability to extend your Premier status to up to four family8
  • Do business on your terms 
    Choose how, when and where you want to do business with your dedicated Premier Relationship Manager

No Borders

  • International Accounts
    Free international account opening9 and portable HSBC credit history10
  • Global View and Global Transfers11 
    Access your eligible worldwide HSBC deposit accounts online and transfer funds between them
  • HSBC Global Money Account12 

    Convert and hold multiple currencies and send instant & free transfers at our most competitive rates - all from the ease of one mobile-only account

1 Share The Experience Terms and Conditions

Current HSBC Customer: This offer is only valid for customers with an HSBC Premier or HSBC Jade account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). Offer valid from August 2, 2021 through and including December 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 Account, limited to a total of $2,000 Referral Bonuses per calendar year. Refer to PIB for your personalized referral code. The New Account must be opened in a U.S. HSBC branch, over the phone, or online 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 Account opening. The referral’s New Account must remain open for at least 21 calendar days. Customers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible to be a referral for purposes of this offer. The individual you refer must provide your personalized referral code at account opening for you to qualify to receive the Referral Bonus.

New Customer: This offer is only valid for new Eligible Accounts (“New 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 one year to apply for a deposit account online. Customers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible. The New 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. 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. If all offer requirements are met, the New Customer Bonus will be deposited to the New Account within 8-12 weeks from the date the New Account is fully qualified. The New Account Bonus is $400 for a new qualifying HSBC Premier checking account and $1,000 for a new qualifying HSBC Jade status account. If you do not qualify for HSBC Jade within the stated time frame but do meet the qualifying requirements for HSBC Premier, you will be eligible for the HSBC Share The Experience Premier bonus of $400. The New 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. Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offer provided by HSBC Bank USA, N.A. 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.

To qualify for the HSBC Share The Experience Premier bonus the new account (1) must meet the HSBC Premier Qualifying Balance within 30 calendar days of account opening and you must maintain the minimum eligible required average balance (see below) for 90 calendar days (beginning the day the account is funded with New Money); OR (2) 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. 

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 the HSBC Share The Experience Jade bonus, the New Account (1) must meet the HSBC Jade Qualifying Balance (see below) within 90 calendar days of account opening, and (2) must maintain the Qualifying Balance for the next full calendar month after meeting the relationship requirement in order to be eligible for HSBC Jade. If you do not qualify for HSBC Jade within the stated time frame but do meet the qualifying requirements for HSBC Premier, you are eligible for the HSBC Share The Experience Premier bonus. Account opening date is considered day one of the 90 calendar days count.

Participation in HSBC Jade is available to holders of an HSBC Premier checking account who have maintained qualifying Personal Cash Accounts and Personal Investment Assets (excluding Retirement Accounts and Assets) in the United States which in aggregate and calculated as an average over each calendar month are equal to at least $1,000,000 (one million U.S. dollars) for a period of at least 1 calendar month (a “Qualifying Balance”) immediately prior to HSBC Premier Account Holders becoming HSBC Jade clients. As an HSBC Jade client, if you are no longer able to meet the HSBC Jade criteria, your access to all its benefits will be removed. See the HSBC Jade Terms and Conditions for full details. 

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 who referred you, the bonus deposit(s) to your qualifying Eligible Account will be reported on the applicable IRS form. You and the individual 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 August 2, 2021. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time. Please call HSBC’s customer service line 800.975.4722 (HSBC) or visit your local HSBC Branch for detailed and up-to-date information. Retain for your records.

2 A monthly maintenance fee may apply if certain requirements are not maintained. No HSBC U.S ATM fees when using a third party ATM and unlimited rebates from third party ATM fees in the U.S. Legal Processing fees may apply.

3 Incoming wire transfers may be subject to fees from non-HSBC financial institutions. Please check your account terms and charges for further details. HSBC is not responsible for these charges.

4 For applicable transfer fees, please refer to the Pre-Payment and Receipt Disclosures received at the time of your wire transaction.

5 If you effect a transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® or ATM Card outside the United States, the transaction amount may be further increased by a percentage established from time to time by us (currently 3%). This Foreign Transaction Fee does not apply to transactions using HSBC Jade World Debit Mastercard® and HSBC Premier World Debit Mastercard® cards.

6 You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.

7 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, HSBC Promotional Premier Savings, and HSBC Premier Relationship Savings. HSBC will rebate qualifying non-HSBC ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

8 You may link qualifying accounts to help avoid some fees and extend relationship benefits to those accounts. If you do not maintain one of the requirements for the monthly maintenance fee waiver, the linked qualifying accounts may also be charged a monthly maintenance fee. By linking qualifying accounts, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware of the other parties’ monthly maintenance fee status, and 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.

9 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.

10 Portable HSBC credit history is not available in all countries. 

11 Global View and Global Transfers are only available for HSBC Premier (which includes HSBC Jade) and HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

12 HSBC Global Money Account is a prepaid, multi-currency account available on our Mobile Banking App for customers who maintain an HSBC consumer deposit account.

13 Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). FCs, ICs, and HNWRMs focus on a full suite of High Net Worth, Jade, Premier and Advance products and services. All offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, are offered through HSBC Securities (USA) Inc. and traditional insurance products are offered through HSBC Insurance Agency (USA) Inc.

14 HSBC Jade clients will enter into a direct agreement with Ten Lifestyle Group PLC (“Ten”) under which Ten Lifestyle Group PLC and its affiliates will deliver lifestyle services available under the HSBC Jade Concierge Service. HSBC will not be a party to that agreement and will not be responsible for the delivery of the lifestyle services.

15 Digital solution available through the concierge service is owned and operated by Ten Lifestyle Group PLC.

16 Use of the Lounge access or Offer is not transferable, and Customers may only use the Lounge access or Offer until either the expiry date shown on the Website and/or App, or until the expiry of the Offer as stated in the Offer terms. The Lounge access or Offer may not be used by any person other than the eligible Customer and their permitted guests. For more information access https://airport.mastercard.com/en/terms-of-usehttps://airport.mastercard.com/en/terms-of-use.

HSBC Jade concierge service is delivered by Ten Lifestyle Group Plc (Ten), Fitzroy House, 355 Euston Road, London NW1 3AL. HSBC is not responsible for the delivery of, or for any failure to deliver, the concierge services. Calls to the concierge service are charged at a local rate. Charges for the products or services provided will be notified at the time of booking. Calls may be recorded. Your contact details are held with your permission so that you can access the service. Ten is committed to your privacy. Please visit the website for Ten’s full terms of service and privacy statement.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.  

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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.

*Investment, annuities, and variable life insurance products 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 offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products:

ARE NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES
ARE NOT FDIC INSURED
ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
MAY LOSE VALUE

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

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