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Savings

Learn about our savings accounts and apply for an account online.

Earn up to $3,000 when you fund an existing Premier Relationship Savings account with New Deposits by March 31, 2025 and complete qualifying activitiesFootnote link 1.

Discover our other saving accounts

Compare our savings accounts

Making the most of your savingsFootnote link 4

Find out more about how interest works, and how it can help your money work harder for you.

More savings account articlesFootnote link 4

Additional information

  1. 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 5 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:

    • Have an open Eligible Premier Relationship Savings account as of February 28, 2025, linked to an open HSBC Premier checking account.

    • 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 6 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.

  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 7 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 8 accounts; OR
    • Monthly recurring direct depositsFootnote link 9 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 10
  3. The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship.
  4. HSBC offers the articles for educational purposes only and they should not be considered professional or investment advice. While HSBC is pleased to offer the articles as an educational service to our customers, HSBC does not guarantee, warrant or recommend the opinion or advice or the product and/or services offered or mentioned in these articles. Any opinions, judgments, advice, statements, services, offers or other information presented within a articles are those of a third party and not HSBC. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives may give legal or tax advice.
  5. To qualify for an HSBC Premier Relationship Savings account, you need to maintain a U.S. HSBC PremierFootnote link 2 relationship.
  6. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.
  7. 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.
  8. 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.
  9. 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.
  10. To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.

Disclaimers

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.