Available nationwide, HSBC is offering up to $3,000 in welcome bonuses when you open a new HSNC Premier checking account and complete qualifying activities. Unlike previous offers, which were mainly focused on large cash deposits, this time around they are prioritizing your total relationship.
This is a tiered bonus, the more activities you complete, the more you can earn. The activities include establishing a direct deposit (at least $10,000 monthly), establish a residential mortgage and new money cash deposits (or investments).
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. *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.
How To Earn The Bonus
The HSBC Premier promotion requires you to optionally, set up eligible direct deposits and deposit and maintain a minimum balance in order to earn the up to $3000 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.
- Offer Period is defined as July 1, 2025 through September 30, 2025.
- Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers 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.
- 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.
Open a HSBC Premier account before the bonus expires on September 30, 2025
How does this personal checking offer from HSBC compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 64 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Chase
Chase Total Checking®
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 10 days
- Requires
- Direct Deposit
Why HSBC Bank?
The American subsidiary of HSBC Bank is based out of New York City and has 160 branches in 10 states. Most of HSBC's brick and mortar banks are located in the NYC area, but they also have a presence in Los Angeles, Miami, and Washington, D.C. HSBC offers deposit accounts, personal and home loans, investment and retirement accounts, and credit cards.
Since 2005, HSBC has also been operating an online-only platform called HSBC Direct, which includes high yield checking, savings, and Certificate of Deposit accounts — all online or from your smartphone.
Overall, HSBC isn't our top pick if you're shopping for a new bank. With so few physical branches, you should consider them an online bank – but with worse rates, higher fees, and lagging tech. On the pro side, however, they consistently offer sign up bonuses (though many of which you'll need to claim in-branch). If you're eligible, we certainly recommend claiming the free cash – but otherwise stick to a different bank as your primary account.
HSBC Premier
Premier Checking is HSBC’s top-tier option for checking accounts. The account comes with a $50 monthly maintenance fee, which you can avoid by enrolling in direct deposit of at least $5,000 or more monthly or having an HSBC U.S. residential mortgage loan with an original mortgage value of at least $500,000.
Perks include unlimited rebates on non-HSBC ATM withdrawals, global transfers, and preferred HSBC mortgage rates.
Fees
HSBC Premier does charge a monthly maintenance fee of $50, but there are ways to get this waived:
- Maintain a balance of at least $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts
- OR, receive $5,000 in direct deposits each month
- OR, hold a HSBC U.S. residential mortgage loan
- OR, Maintain Private Bank status
Apply now for a HSBC Premier account to earn the up to $3000 bonus offer
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