Your referred friends or business get a one-time bonus

Premier

$500

Fusion (Business)

$300

Advance 

$250

Choice Checking

$100

Introducing a better way to refer friends and businesses to HSBC.

At HSBC, we understand your friends all have their own story, and some may have more than just personal banking needs. Now, eligible HSBC Fusion and HSBC personal checking customers can refer friends who are in the market for a new personal or business checking account. Either way, you can earn up to $2,000 per calendar year, when a friend opens a qualifying HSBC Premier, Advance, Choice Checking (for personal accounts) or Fusion First or Fusion Smart checking account (for business accounts) over the phone or in a branch.  

Plus, your referred friends and businesses 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 Share the Experience offer qualifying requirements. Offer valid from January 1, 2020 through and including February 29, 2020.

Two easy ways to Share the Experience:

Share your personalized referral code

Your friends and businesses simply present your referral code when they open their new account at any HSBC branch or over the phone. 

Your Referral Code is currently unavailable. Please try again later.

Code unavailable? If you've recently registered for Personal Internet Banking it may take up to two business days to receive your personalized referral code. If your code is still unavailable two business days after registering for Personal Internet Banking, please give us a call at 800.975.HSBC (4722). We're happy to assist you.

You can also print this page to share

Just print and give to a friend or business. They can bring the form to a nearby HSBC branch or use your personalized referral code to open the account over the phone.

What happens next?

To receive credit for the referral, the new account must be opened in an HSBC branch or over the phone.

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

To speak with an HSBC Representative:

Call : 800.975.HSBC (4722)

Rules and Requirements

Current HSBC Customer: This offer is only valid for consumer customers who have access to HSBC Personal Internet Banking “PIB” as consumer customers will be required to obtain the personalized referral code from their PIB, and for Business Banking customers. For Business Banking customers, refer to your Share the Experience email for the referral code or contact your Business Banking Relationship Manager. Offer valid from January 1, 2020 through and including February 29, 2020 “Offer Period”. To receive a referral bonus, you must have a consumer HSBC Premier, HSBC Advance, HSBC Choice Checking or Business Banking HSBC Fusion First or HSBC Fusion Smart Checking relationship (“Eligible Account”) in the United States. Employees, officers, directors, agents or representatives of HSBC are not eligible. You will receive a $100 referral bonus to your qualifying Eligible Account for all referrals who open a new Eligible Account limited to $2,000 in total Share the Experience referral bonuses per calendar year. If you currently hold a consumer account and refer your business, you will be ineligible for the $100 referral bonus but may be eligible for the New Customer bonus. If you currently hold a business account and refer yourself for a consumer account, you will be ineligible for the $100 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 qualifying Eligible Account must be opened only in a U.S. HSBC branch or over the phone. Your qualifying Eligible 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 Eligible Account within 8 weeks of your referral’s Eligible Account opening. The new referral qualifying Eligible Account must remain open for at least 15 business days. The individual and/or business you refer must not currently hold, nor have held in the past 3 years, an HSBC consumer and/or business banking deposit or investment account; and the individual you refer must provide your personalized referral code at account opening for you to qualify to receive credit for the referral bonus. For both you and the individual and/or business you refer, the bonus deposit(s) to your qualifying Eligible Account may be reported on the applicable IRS form. You and the individual and/or business you refer may 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 and Trust accounts are ineligible to make referrals or be referred under this offer. Retain for your records.

Consumer New Customer: This offer is only valid for new Eligible Accounts opened during the Offer Period in a U.S. HSBC branch, through HSBC’s customer service line 800.975.HSBC (4722) during which a valid personalized referral code is provided by the new customer. The new account must meet qualifying requirements within 90 calendar days of account opening pursuant to the relationship requirements discussed below. Account opening date is considered day one of the 90 calendar days count. Consumer Accounts/Assets that are ineligible from 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. You will automatically receive the $500 referral bonus to the new qualifying HSBC Premier checking account, a $250 referral bonus to the new qualifying HSBC Advance checking account, a $100 referral bonus to the new qualifying HSBC Choice Checking within 8 weeks from the date the new account is fully qualified. 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. Limit one Referral 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. For both you and the individual who referred you, the bonus deposit(s) to your qualifying Eligible Account may be reported on the applicable IRS form. You and the individual who referred you may 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 and Trust accounts are ineligible to make referrals or be referred under this offer. Retain for your records.

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. 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. 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 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. 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 at least $1,500 in total U.S. combined personal deposit and investment* balances OR a recurring direct deposit from a third party to a Choice Checking account at least once per calendar month. A monthly maintenance fee of $15 will be incurred if one of these requirements is not maintained.

Business Banking/Fusion New Customer: This offer is only valid for new Eligible Accounts opened during the Offer Period in a U.S. HSBC branch or by calling 833.722.HSBC (4722) during which a valid personalized referral code is provided by the new customer. The new account must meet qualifying requirements pursuant requirements discussed below. As described below, you must meet your minimum Qualifying Balance within 30 calendar days. Account opening date is considered day one of the 30 calendar days count. Customers who currently hold, or have held in the past 3 years, an HSBC business banking deposit account are not eligible. You will automatically receive the $300 referral bonus to the new qualifying HSBC Fusion First or HSBC Fusion Smart Checking account within 8 weeks from the date the new account is fully qualified, in accordance with the requirements below. 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. Limit one Referral Bonus per new business account. A business customer can use only one referral code at the time of account opening. For both you and the individual/business who referred you, the bonus deposit(s) to your qualifying Eligible Account may be reported on the applicable IRS form. You and the individual/business who referred you may 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 and Trust accounts are ineligible to make referrals or be referred under this offer. Retain for your records.

To qualify for the referral bonus for the new qualifying HSBC Fusion First or HSBC Fusion Smart Checking account, you will need to complete the following:

  • Open your new HSBC business checking account1 (Fusion First or Fusion Smart Account); and 
  • Deposit a minimum Qualifying Balance of $5,000 or more in New Money2 in the eligible HSBC business checking account (Fusion First or Fusion Smart Account) within 30 calendar days of account opening; and 
  • Register, and Log On to HSBCnet3 within 30 days of account opening; and 
  • Maintain at least the minimum Qualifying Balance(s) in your eligible business checking account (Fusion First or Fusion Smart Account) for 90 calendar days from the date you deposit the minimum Qualifying Balance. 
     

 

1 To qualify for an HSBC Fusion relationship, you need to open an HSBC business checking account (Fusion First or Fusion Smart Account). A monthly maintenance fee of $30 will be incurred if minimum balance requirement is not met for Fusion First and Fusion Smart checking accounts.

  • The Fusion First Checking account has a $30 monthly maintenance fee and can be waived if your qualifying commercial non-credit balance is equal to or greater than $5,000.
  • The Fusion Smart Checking account has a $30 monthly maintenance fee and can be waived if your qualifying combined commercial and personal related non-credit balance is equal to or greater than $25,000. 


2 New Money is defined as deposits not previously held by any member of the HSBC Group in the U.S. Accounts/Assets that are ineligible for New Money 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 accounts; and revocable or irrevocable trust accounts and estate accounts. For purposes of determining whether you have maintained the qualifying balance for the Share the Experience bonus, a New Money average balance will be calculated every day to derive the average daily balance throughout the total offer period. 

3 HSBCnet services provided in the United States by HSBC Bank USA, N.A. HSBCnet features and functionality may vary by country. Subject to U.S. sanction regulations. HSBCnet Mobile services are not available in connection with HSBCnet profiles in all countries and are subject to phone provider capabilities.
 

Terms of Use: By using the personalized referral code to refer someone, 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.

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. HSI is an affiliate of HSBC Bank USA, N.A.

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