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You’ve been referred1 to HSBC

Get up to $400 when you open an eligible 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 July 31, 2021

Important Service Announcement

Effective May 26, 2021

Last year, we at HSBC Bank USA, N.A. (“HSBC” or “the Bank”) set out on a journey to be able to better cater to our clients’ needs globally and from a wealth management perspective. You may have seen a recent announcement from us about the next phase of this plan. As a result of this new focus for HSBC, we are streamlining parts of the Bank. This decision was not made lightly, but is necessary for us to best position the Bank for the future. As part of this, some of our branches, clients, and employees will be transitioned to another financial institution in the coming months. 
 

What this means for you

If you are:

  • An existing HSBC customer who is opening a new deposit account or applying for unsecured credit, and you have been notified that you’re being transitioned; or
  • A new HSBC customer who is applying for unsecured credit or opening any other deposit account than an HSBC Premier checking, savings or credit card account; or
  • A new or existing HSBC Retail Business Banking customer who is opening a new deposit account or applying for credit, then*

    * Any HSBC account(s) opened or applied for today will be transitioned to a new financial institution in the near future.
     
  • If you are interested in insurance or investments, please contact an HSBC Securities (USA) Financial Consultant. 

 

More details and FAQs can be found at us.hsbc.com/GoingForward

$400 referral bonus

Premier Checking

A higher level of banking support with a global reach.

$200 referral bonus

Advance Checking

A flexible banking account that helps make you more out of your money.

$50 referral bonus

Choice Checking

For simple, everyday banking needs.
 

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 two years
  • Valid U.S. ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
  • Account information for funding your new account

For a limited time, take advantage of our Share The Experience offer of $4001 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 July 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 monthly recurring direct deposits totaling at least $5,000 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. 

You will automatically receive the $400 Share The Experience offer in your new HSBC Premier checking account 8-12 weeks from the date the new account is fully qualified. It’s that simple. 

Premier checking is subject to a monthly maintenance fee if the minimum requirements are not maintained.1

No Fees

  • Everyday banking 
    No fees on everyday banking transactions6
  • No HSBC wire transfer fees 
    No incoming7 or outgoing8 wire transfer fees
  • No foreign transaction fees 
    No foreign transaction fees on your Premier debit9 or credit card
  • No ATM fees 
    No U.S. HSBC ATM fees10 worldwide and unlimited Third Party ATM rebates within the U.S.11

No Hassle 

  • Flexible eligibility 
    Flexible eligibility criteria1, making it easier to become a Premier client
  • Shared Premier status 
    Ability to extend your Premier status to up to four family12
  • Do business on your terms 
    Choose how, when and where you want to do business with your dedicated Premier Relationship Manager

No Borders

  • Emergency cash worldwide 
    Emergency cash of up to U.S. $10,00013 or local currency equivalent at HSBC Premier Centers and HSBC branches around the world should your wallet be lost or stolen
  • Global Premier status 
    Automatic Premier status in all countries where you bank with HSBC affiliates
  • Global View and Global Transfers14 
    Access your eligible worldwide HSBC deposit accounts online and transfer funds between them

1 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 Balance2 in New Money3 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 transactions4 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®5, and incoming and outgoing wires.

2 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.  

3 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. 

4 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.  

5 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.

6 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.

7 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.

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

9 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.

10 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.

11 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.

12 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.

13 HSBC Premier clients can receive an emergency encashment of up to U.S. $2,000 or local currency equivalent immediately or up to U.S. $10,000 or local currency equivalent upon authorization from local country. You will just need to show proper identification at any HSBC branch. Encashment is dependent on your available balance; local country limitations may apply.

14 Global View and Global Transfers are only available for HSBC Premier 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.

15 U.S. Advance customers can obtain up to $10,000 USD or local currency equivalent after authorization by the account holding country. You will just need to show proper identification at any HSBC branch. Encashment is dependent on your available balance; local country limitations may apply.

16 The maximum outbound and inbound limit for U.S. HSBC accounts is $200,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

17 HSBC Preferred Mortgage requires combined personal deposit and investment* balances of at least $10,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan.  To learn more about the Preferred Mortgage requirements, contact an HSBC branch or call 844.472.2684.

18 Option to reduce closing costs through higher interest rates.

19 For the first $25,000 in new purchases within the first twelve (12) months from Account opening, you will earn three (3) Rewards Program points (“points”) per dollar on dining and select entertainment purchases, and two (2) points per dollar on all other purchases. After the first $25,000 in new purchases, or the first 12 months from Account opening, whichever comes first, you will earn two (2) points per dollar on dining and select entertainment purchases, and one (1) point per dollar on all other purchases. Points do not apply to account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Advance Mastercard® credit card must be open and in good standing in order to earn points.

20 Select Credit is a personal line of credit only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with HSBC Bank USA, N.A. To learn more, please speak with an HSBC Bank USA, N.A. representative for product and pricing details.

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

HSBC Advance Mastercard® credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC Advance1 or Premier1 relationship. To learn more, speak with an HSBC branch representative.

How Points are earned: You earn Points when you use your card to make new purchases (minus returns, credits and adjustments).

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

* Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI and HSBC Insurance Agency (USA) Inc. (HIA) offer Insurance products. In California, HSBC does business as HSBC Securities Insurance Services, License # OE67746. HIA California License #: OD36843. Investment and Insurance Products: Not FDIC Insured | Not Insured by the Federal Government or any Federal Government Agency | Not a Deposit or other obligation of, or guaranteed by, The Bank or any Affiliate of the Bank | Subject to Investment Risk, including loss of Principal Invested.

HSBC and its affiliates do not provide tax or legal advice. All decisions regarding tax implications of your Investments should be made in consultation with your independent tax advisor. 

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.

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