The account that unlocks a world of opportunity
Premium banking with no HSBC feesFootnote link 1 on everyday transactions, no hassle and no borders. Enjoy access to PremierFootnote link 2 privileges and preferred rates for your family. Live, work and travel with HSBC Premier status around the world.
Here's what you get with an HSBC Premier checking account
Unlock all that Premier offers you
- Get competitive pricing across all of our products.
- Get access to wealth solutions, insights and advice from an HSBC Wealth Relationship Manager through HSBC Securities (USA) Inc.Footnote link 4
- Spend, shop, and share good times with the security of a Mastercard® chip debit card.


Share Premier with your family
- Share your Premier status with up to four family membersFootnote link 3.
- Like you, they'll enjoy global privileges and preferential savings rates.
- Get overseas account opening support for loved ones moving abroad.
Travel the world – with Premier status
- Access your eligible, worldwide HSBC deposit accounts online and transfer funds between them with Global View and Global TransfersFootnote link 5.
- Overseas account opening support before you move or work abroad.
- Pay no foreign transaction fees on your purchases when you use the HSBC Premier Debit World Mastercard® card.

Things to know
Qualifying criteria
To apply for a Premier checking account, you need to have at least one of the following:
- At least $100,000 in total deposits and/or investmentsFootnote link 6
- At least $5,000 in total direct depositsFootnote link 7 per month
- An HSBC U.S. residential mortgage loan serviced by HSBC
- Private BankFootnote link 8 status
You must also:
- Be at least 18 years old
- Be currently located in one of these countries (subject to change)
Apply for an HSBC Premier checking account
New to HSBC?
Apply this way if you're not already an HSBC U.S. client and are applying for a sole account.
Already an HSBC U.S. client?
Apply this way if you're already an HSBC client and are applying for a sole account.
Apply for a joint account
If you want to apply for a joint Premier checking account, or don't meet the criteria to apply online, please leave your details and we'll call you back to help with your application.
By applying online you are accepting the terms and can meet the requirements listed on this page.
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Additional information
- A monthly maintenance fee may apply if certain requirements are not maintained. Legal Processing fees may apply. Third party fees and/or surcharges may apply.
To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance feeFootnote link 10 of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.
- Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investmentFootnote link 6 accounts; OR
- Monthly recurring direct depositsFootnote link 7 totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
- Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included
- Consumers who maintain Private Bank statusFootnote link 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.
Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities 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; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value.
All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.
- 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. Check with your destination country for limitation information. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Online banking is required to access Global View and Global Transfers. Access to U.S. online banking through Global View from outside the U.S. may be limited.
- Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. HSBC Securities is an affiliate of HSBC Bank USA, N.A.
- Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.
- To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
January 6, 2025 - March 31, 2025 Premier Relationship Savings Bonus Offer Terms and Conditions
Offer valid from January 6, 2025, through and including March 31, 2025 (“Offer Period”). To be eligible for the offer, a customer must have an Eligible Premier Relationship Savings accountFootnote link 11 open as of February 28, 2025, linked to an open HSBC PremierFootnote link 2 checking account.
Definitions:
“Eligible Premier Relationship Savings account” means an HSBC Premier Relationship Savings account open as of February 28, 2025, that is held by the customer as either the sole account owner or, for joint accounts, as the first named account owner.
“New Deposits” means money not previously held in a deposit account at HSBC Bank USA, N.A. Whether money was previously held at HSBC is determined at HSBC’s discretion. New Deposits must be added to the Eligible Premier Relationship Savings account no later than March 31, 2025, to be counted towards this offer.
“Premier Relationship Savings Balance Increase” means the net increase in the customer’s Eligible Premier Relationship Savings account balance from December 31, 2024, to March 31, 2025. New Deposits made across multiple Eligible Premier Relationship Savings accounts will NOT be aggregated. If a customer owns multiple accounts, the Eligible Premier Relationship Savings account with the highest total increase in New Deposits will be used to determine the Premier Relationship Savings Balance Increase.
“Total Deposit Balance” means the total balances in the Eligible Premier Relationship Savings account, and any other checking, savings and Certificate of Deposit accounts owned by any of the customer(s) named on the Eligible Premier Relationship Savings account.
“Baseline Deposit Balance” means the Total Deposit Balance as of December 31, 2024. For new customers with HSBC accounts opened after December 31, 2024, the Baseline Deposit Balance is $0.
“Total Deposit Balance Increase” means the net increase in the Total Deposit Balance from December 31, 2024 (Baseline Deposit Balance) to March 31, 2025.
Terms to Qualify for Cash Bonus:
Customer must meet each of the following requirements to qualify for the Cash Bonus:
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Have an open Eligible Premier Relationship Savings account as of February 28, 2025, linked to an open HSBC Premier checking account.
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Add New Deposits of $100,000 or more into the Eligible Premier Relationship Savings account by March 31, 2025. New Deposits must result in:
Premier Relationship Savings Balance Increase of $100,000 or more from December 31, 2024, to March 31, 2025
Total Deposit Balance Increase of $100,000 or more from December 31, 2024, (Baseline Deposit Balance) to March 31, 2025.
- Maintain the Premier Relationship Savings Balance Increase of $100,000 or more AND Total Deposit Balance Increase of $100,000 or more through June 30, 2025.
The Cash Bonus amount is tiered and determined by the customer meeting and maintaining the required balance increase in both the Eligible Premier Relationship Savings account AND across total deposit accounts:
Balance Increase : Cash Bonus
$100,000-$249,999.99: $1,000
$250,000-$499,999.99: $2,000
$500,000+: $3,000
Deposit account balances will be reviewed periodically from March 31, 2025, through June 30, 2025, to confirm the customer has met and maintained the required Premier Relationship Savings Balance Increase and Total Deposit Balance Increase. If the balance increase in either the customer’s Premier Relationship Savings account or across total deposit accounts varies between March 31, 2025, and June 30, 2025, the lowest of the Premier Relationship Savings Balance Increase and Total Deposit Balance Increase during that period will determine the customer’s Cash Bonus tier.
Each customer is eligible for no more than one Cash Bonus. For joint accounts, the first name on the joint account is considered the customer for the Cash Bonus.
If all offer requirements are met, the Cash Bonus will be deposited into the Eligible Premier Relationship Savings account by August 29, 2025. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
Additional Terms:
- Offer is non-transferable and only available to Premier customers with an HSBC Premier Relationship Savings account linked to an HSBC Premier checking account.
- The Eligible Premier Relationship Savings account must be open and in good standing at time of bonus fulfillment.
- All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.
- Customers cannot participate in multiple offers during the Offer Period.
- If you do not wish to participate in this campaign, please contact us and reference offer name: 1Q25 PRS New Money Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC Mobile Banking AppFootnote link 12 or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866.
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- You will not be charged a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the “Waiver Period”), whether you meet the qualifying criteria or not. If immediately after the “Waiver Period”, you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account.
- To qualify for an HSBC Premier Relationship Savings account, you need to maintain a U.S. HSBC PremierFootnote link 2 relationship.
- Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.