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A special offer - just for friends and family

Open an HSBC Premier checking account and earn up to $2,500Footnote link 1.

Get a referral code from a friend or family member and earn up to $2,500Footnote link 1

Whether you’re new to the country or you've called the U.S. home for a while, now is the perfect time to open an HSBC PremierFootnote link 2 checking account. You'll enjoy access to Premier privileges and preferred rates for your family. Live, work and travel with HSBC Premier status around the world. Plus, courtesy of this exclusive friends and family offer, you can pocket a one-time bonus of up to $2,500, just for opening a qualifying account and meet other qualifying criteria. Offer valid from June 27, 2024 through June 30, 2025.

How to qualify

For a limited time, take advantage of our Share the Experience offer by opening a new HSBC Premier checking account with qualifying activities.

  • Open your new HSBC Premier checking using this offer page, your friend's name and referral code by June 30, 2025; AND
  • Meet qualifying balance (listed below) in deposit and/or eligible investment accounts within 30 calendar days of account opening and maintain the Qualifying Balance for 3 full calendar months after account opening. The date of account opening is considered day one for these purposes
  • The new account bonus is $1,500 for a New Account with Qualifying Balances of $100,000.00-$249,999.99 in deposit and/or eligible investment accounts OR $2,500 for a New Account with Qualifying Balances in deposit and/or eligible investment accounts of $250,000.00 or more
  • If all offer requirements are met, the New Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified

How to apply

If you've lived in the U.S. for at least one year and meet the following:

  • 18 years old and have a Social Security Number
  • U.S. mobile number
  • current U.S. residential address
Apply online This link will open in a new window

If you're an international customer, have lived in the U.S. for less than one year and meet the following:

  • 18 years old
  • have a valid U.S. tax certification document as of the date of account opening
  • current U.S. residential address
Request a call back

Here's what you get with HSBC Premier checking account

Premium banking with no HSBC fees on everyday transactionsFootnote link 3, no hassle and no borders. Enjoy access to Premier privileges and preferred rates for your family. Live, work and travel with HSBC Premier status around the world.

Additional information

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.

 

Mortgage and home 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. 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.

  1. Offer valid from June 27, 2024 through and including June 30, 2025 (“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. Private Banking customers are not eligible. “Household Members” shall mean those people who share the same residence. Please note this offer consists of two categories of bonus (for current HSBC customers and new HSBC customers respectively), the terms of which are set out in separate sections below.

    Terms for Current HSBC Customer Bonus: This offer is only valid for customers with an HSBC PremierFootnote link 2 account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). You will receive a $500 referral bonus (“Referral Bonus”) to your Eligible Account for each qualifying referral who opens a new HSBC Premier checking account (“New Account”), limited to 10 Referral Bonuses per calendar year up to $5,000. To receive the Referral Bonus, the New Account must be opened in a U.S. HSBC Wealth Center, online at us.hsbc.com/refer, or with our International Banking Center Team, as designated below. The referral’s New Account must remain open for at least 21 calendar days. The individual you refer must provide your personalized referral code at account opening. Refer to PIB for your personalized referral code. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer. 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 Account opening, provided the New Account meets the account opening requirements described below.

    Terms for New Customer Bonus: This offer is only valid for a New Account opened during the Offer Period via the following designated channels: in a U.S. HSBC Wealth Center, online at us.hsbc.com/refer, or with our International Banking Center (IBC) Team. A valid personalized referral code must be provided by the customer when opening the New Account.

    The designated account opening channel(s) for the New Account are as follows: (i) Domestic Customers: For customers who meet the following criteria, the New Account must be opened in a U.S. HSBC Wealth Center, or online at us.hsbc.com/refer: (a) at least 18 years of age, (b) have a Social Security Number, (c) have a U.S. mobile number for online applications or a mobile or landline number for accounts opened in a U.S. HSBC Wealth Center or through HSBC’s customer service line, (d) currently have a U.S. residential address, and (e) have had U.S. residency for the past one year. (ii) International Customers: For customers who meet the following criteria, the New Account must be opened through our International Banking Center or in a U.S. HSBC Wealth Center: (a) at least 18 years of age; (b) lived in the U.S. for less than 1 year; (c) have a valid U.S. tax certification as of the date of account opening, and (d) have a valid U.S. or international mobile or landline phone number. Customers who do not meet the foregoing criteria are not eligible for this offer. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.

    To qualify for the HSBC Share The Experience New Account bonus, the New Account customer must (1) meet Qualifying Balance (listed below) in New Money in deposit and/or eligible investment accounts within 30 calendar days of account opening; and (2) maintain the Qualifying Balance for 3 full calendar months after 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. New Money is determined at HBSC’s discretion. For purposes of determining whether the New Account customer has maintained the Qualifying Balance for this offer, the New Money balance will be reviewed at the end of the 3 full calendar months from account opening 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 for New Money Balances: 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. If all offer requirements are met, the New Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.

    The New Account bonus is $1,500 for a New Account with Qualifying Balances of $100,000.00–$249,999.99 in deposit and/or eligible investment accounts OR $2,500 for a New Account with Qualifying Balances of $250,000 or more in deposit and/or eligible investment accounts. The New Account must be 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. Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offer provided by HSBC Bank USA, N.A. 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.

    This Offer Terms and Conditions is current as of February 3, 2025. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time. Please call HSBC’s customer service line 800.975.4722 (HSBC) or visit your local HSBC Wealth Center for detailed and up-to-date information. Retain for your records.

  2. 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 4 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 5 accounts; OR
    • Monthly recurring direct depositsFootnote link 6 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 7
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
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