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Checking accounts

Checking Accounts

Our Checking Accounts

HSBC Premier
Ideal when you need exclusive products and services you can access globally
    $50 monthly maintenance fee is waived if minimum balance requirements1 are met
    Professional support with a Relationship Manager
    HSBC Premier Debit Mastercard® card
    Access to HSBC ATMs worldwide, most with no withdrawal fees2
    International services⁷
    Optional overdraft protection
    Personal Internet Banking and Mobile Banking⁸ plus Global View and Global Transfers3
HSBC Advance
Ideal when you want a banking account that helps make more out of your money
    $25 monthly maintenance fee is waived if minimum balance requirements4 are met
    HSBC Advance Debit Mastercard® card
    Access to HSBC ATMs worldwide, most with no withdrawal fees2
    Free select style HSBC Advance checks
    International services⁷
    Optional overdraft protection
    Personal Internet Banking and Mobile Banking⁸ plus Global View and Global Transfers³
Choice Checking
Ideal when you are looking for value and convenience
    $15 monthly maintenance fee waived if you maintain direct deposit OR if minimum balance requirements5 are met
    HSBC Debit Mastercard® card
    Access to HSBC ATMs worldwide, most with no withdrawal fees2
    International services⁷
    Optional overdraft protection
    Personal Internet Banking and Mobile Banking⁸
Basic Banking
Ideal when you write only a few checks a month
    $3 monthly maintenance fee, no balance requirement6  
    HSBC Debit Mastercard® card
    Access to HSBC ATMs worldwide, most with no withdrawal fees²
    International services⁷
    Optional overdraft protection
    Personal Internet Banking and Mobile Banking⁸

See Terms and Charges Disclosures

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment* balances. Business owners may use their commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

2 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.

3 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.

4 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment* balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

5 If direct deposit ceases, a $15 monthly maintenance fee will apply if balance requirements are not met. Qualifying direct deposits are electronic deposits of regular periodic payments made into your Choice Checking account through 3rd parties at least once per statement cycle. To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined personal deposit and investment* balances.

6 There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.

7 Fees may apply.

8 Data rate charges from your service provider may apply. HSBC Bank USA, N.A is not responsible for these charges.

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

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information.

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

*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.

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

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