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Employee Banking Solutions

Everyday banking and wealth management solutions for employees of our corporate and commercial partners.

Expert guidance and support for managing your money

Whether you're moving to the U.S., or you're already a resident, we can give you the resources to navigate life’s financial decisions.

Employee Banking Solutions is available through your employer’s partnership with HSBC and is available in 22 countries. You just need an HSBC PremierFootnote link 1 checking account to get started.

Benefit from exclusive mortgage rates

Buying a home? Get a mortgage rate discount of at least 0.25%Footnote link 2 on your primary property. You'll need to have an active Premier checking account, a payroll or income Direct Deposit into a Premier checking account and ACH payments coming from your Premier checking account.

Access a wide range of products

Global mobility

Banking products that cater to the internationally mobile employee.

Borrowing solutions

Credit cards and mortgages designed to suit various needs.

Protection and investing

Insurance and wealth solutions for every life stage.

More reasons to choose Employee Banking Solutions

Benefit from global support

International banking isn't always easy, but with our support you get full control of your money.

  • New to the U.S.? Apply for one of our credit cards and start building your U.S. credit history. Our credit cards come with a range of rewards and benefits that complement your lifestyle
  • Our New to the U.S. Services programFootnote link 3 offers 12 months of complimentary help, advice and discounts, including a free 30-day U.S. mobile SIM card
  • Get help opening a local bank account in your new destination before you arriveFootnote link 4
  • Link all your HSBC accounts in different countries, and transfer between them with Global TransfersFootnote link 5
  • Check the balances of your globally held HSBC accounts with Global ViewFootnote link 5
  • Spend and send money in a choice of 8 currencies, all from our mobile app, with our multi-currency Global Money AccountFootnote link 6

Wealth management solutions

Bespoke products and services for more complex financial situations, at home and abroad.

  • We'll help you build a financial plan to prepare for retirement, save for education or meet your own specific goals
  • A range of investment options - whether you're a first-timer or an experienced investor
  • Protect your home, family and loved ones with Property & Casualty insurance, Life insurance and Long-term Care Planning
  • Guidance on financing a home, including if you're moving to the U.S. or looking for an investment propertyFootnote link 2

Enjoy dedicated support

A support service that lets you get the best from Employee Banking Solutions.

  • Personalized assistance from an International Client Manager at account opening
  • Access to WelcomeCare Advisors for 30 days after you open your account
  • No HSBC fees on everyday banking transactionsFootnote link 7 and no U.S. HSBC fee when using third-party ATMs in the U.S.Footnote link 8
  • 24/7 Premier chat and phone support

Things to know

Qualifying criteria

Employee Banking Solutions is available to HSBC Premier account holders.

To apply for a Premier checking account, you need to have at least one of the following:


You must also:

Your Premier status travels with you, so if you already have a Premier account in another country, you'll automatically qualify for one in the U.S.

Apply for an HSBC Premier checking account

New to HSBC?

Apply this way if you are not already an HSBC U.S. customer and are applying for a sole account.

Apply online

Already an HSBC U.S. customer?

Apply this way if you are already an HSBC customer and are applying for a sole account.

Log on to apply

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.

Additional information

  1. 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 12 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 9 accounts; OR
    • Monthly recurring direct depositsFootnote link 10 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 11
  2. Rates, discounts and loan amounts depend on specific program and may require certain personal deposit and investmentFootnote link 9 balances, reserves, equity and automatic payment from an HSBC U.S. checking account.
  3. Service available for HSBC U.S. Premier checking account clients who have recently moved to the U.S. To be eligible for the New to U.S. Services Program, the HSBC client must have arrived in the U.S. from March 1, 2025, through and including February 28, 2026. Eligible clients must activate their service membership using the instructions in the Terms of Service within 12 months of moving to the US. Approved clients will receive 12-month complimentary access to New to U.S. Services, beginning from the date of activation. The activation codes are for the personal use of eligible clients only and may not be shared. Additional restrictions may apply. For full terms and conditions please visit: New to U.S. Services l HSBC Bank US.
  4. Country restrictions may apply.
  5. 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.
  6. HSBC Global Money Account is a prepaid, multi-currency account available on our HSBC U.S. Mobile Banking App for customers who maintain an HSBC consumer checking or deposit account.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
  12. 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.

Disclaimers 

The Employee Banking Solutions program includes over 250 U.S. Corporate Partner employers. You can check if your employer is enrolled in this program by emailing us.ceb@us.hsbc.com This link will open in a new window.

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com This link will open in a new window, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services.If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website available at www.us.hsbc.com/crossborder This link will open in a new window.

HSBC refers to HSBC Bank USA, N.A., HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A.

This material is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment or securities nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. You may wish to seek advice from a financial consultant before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you should consider whether the product in question is suitable for you.

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.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties 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 cancelled 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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