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A special offer from the special ones in your life

Open an eligible HSBC Premier Checking Account and get rewarded.

Use a friend or family member’s referral code to earn up to

$1,000

Your friend or family member wants the best for you, that’s why they’ve referred you to HSBC. Take advantage of your referral bonus by opening an HSBC Premier checking account and you could earn up to $1,000. You’ll also unlock a higher level of service and benefits with a global reach. This includes access to everyday and international benefits like global transfers2 and your very own relationship manager. Offer valid from October 24, 2022 through April 30, 2023.

See more details

To apply online you will need

  • You must be 18 years of age and have a Social Security Number
  • Have a U.S. mobile number
  • Current U.S. residential address and a U.S. residential address for the past one year

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 April 30, 2023; AND

✔ Meet qualifying balance (listed below) in deposit and/or eligible investment accounts within 30 calendar days of account opening and maintain the Qualifying Balance for 6 full calendar months after account opening. The date of account opening is considered day one for these purposes

 The new account bonus is $500 for a New Account with Qualifying Balances of $75,000.00-$499,999.99 in deposit and/or eligible investment accounts OR $1,000 for a New Account with Qualifying Balances in deposit and/or eligible investment accounts of $500,000.00 or more.

✔ If all offer requirements are met, the New Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified.

HSBC Premier checking account benefits

Premier for you

  • Access International HSBC ATMs worldwide3.
  • No HSBC ATM fees worldwide and up to five Third Party ATM rebates per month within the U.S. 3 4
  • No HSBC fees on everyday banking transactions and a $50 monthly maintenance fee unless the eligibility criteria are met.

Premier for your family

  • Ability to extend your Premier status up to four family members.5

Premier around the World

  • Global View Global Transfers
    Access your eligible, worldwide HSBC deposit accounts online and transfer funds between them2.
  • No Foreign Transaction Fees
    Pay no foreign transaction fees on your purchases with the HSBC Premier Debit master card.6

Current HSBC Customer: This offer is only valid for customers with an HSBC Premier account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). Offer valid from October 24, 2022 through and including April 30, 2023 (“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 $300 referral bonus (“Referral Bonus”) to your Eligible Account for each referral who opens a new HSBC Premier checking account (“New Account”), limited to 20 Referral Bonuses per calendar year up to $6,000. Refer to PIB for your personalized referral code. The New Account must be opened in a U.S. HSBC Wealth Center, 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 have a current or past HSBC account in the U.S. on file are not eligible for 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 a new HSBC Premier checking account (“New Account”) opened during the Offer Period in a U.S. HSBC Wealth Center, 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, have a U.S. mobile 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 have a current or past HSBC account in the U.S. on file are not eligible for this offer. The New Account must meet Qualifying Balance requirements below and must be in 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 balance will be reviewed at the end of the 6 full calendar months from account opening 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 for New Money Balances: 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 Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified. The New Account bonus is $500 for a New Account with Qualifying Balances of $75,000.00-$499,999.99 in deposit and/or eligible investment accounts OR $1,000 for a New Account with Qualifying Balances in deposit and/or eligible investment accounts over $500,000.00 or more. The New Account must be 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 New Account bonus, the New Account (1) meet Qualifying Balance (listed above) in deposit and/or eligible investment accounts within 30 calendar days of account opening and (2) maintain the Qualifying Balance for 6 full calendar months after account opening. The date of account opening is considered day one for these purposes.

1 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.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

2 Global View and Global Transfers are only available for HSBC Premier and existing 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.

3 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.

4 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, HSBC Premier Promotional Savings, and HSBC Premier Relationship Savings. HSBC will rebate up to five qualifying ATM third-party surcharge fees incurred per month with a credit to your account within two statement cycles.

5 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.

6 If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us. This Foreign Transaction Fee does not apply to transactions using your HSBC Premier World Debit Mastercard®.

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 October 24, 2022. 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 Wealth Center for detailed and up-to-date information. Retain for your records.

*Investment and annuity products 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 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. 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.

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