We’re excited to offer¹ you an opportunity to earn up to $3,000 when you open an HSBC Premier² checking account from July 1, 2025, through September 30, 2025, and complete qualifying activities.

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Start an HSBC Premier relationship today. You’ll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.

Here’s how the offer works:

• Earn one or more cash bonuses¹ when you open an HSBC Premier² checking account by September 30, 2025, AND complete additional qualifying activities:
• $500 Direct Deposit Cash Bonus when you set up recurring monthly direct deposits of $10,000 or more for 3 consecutive months; and/or
• $1,000 New Money Cash Bonus when you deposit or invest³ $100,000 or more and maintain balances for 3 consecutive months; and/or
• $1,500 Mortgage and New Money Cash Bonus when you complete a new HSBC U.S. residential mortgage application by September 30, 2025, with mortgage funding by December 31, 2025, AND deposit or invest $200,000 or more and maintain balances for 3 consecutive months. Customers who qualify for the $1,500 cash bonus will automatically qualify for the $1,000 cash bonus.

Discover what HSBC Premier can offer you:

Discover what an HSBC Premier relationship can offer you

• Easily open an account online, from the comfort of your home.
• Manage your international banking needs across different time zones, with 24/7 support.
• Unlock Premier in one country and you can live, work and travel with Premier status around the world with HSBC
• Manage your money safely and easily around the world – from Global Money Transfers to multi-currency needs.
• New to the U.S.? Build your U.S. credit history with one of our credit cards. Or, if you’re buying a new home, you can use your international credit history to apply.

Qualifying criteria for HSBC Premier checking account:

• Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment² accounts; OR
• Monthly recurring direct deposits 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 status³.

HSBC Premier Checking:

The $50 monthly maintenance fee is waived if minimum balance requirements are met:

• Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR
• Monthly recurring direct deposits 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.

• To refer a friend, you must be an HSBC Premier, Advance, or Choice Checking customer.
• Log-on to Personal Internet Banking to view your Share the Experience referral page and personalized referral code.
• After you log-on to Personal Internet Banking, share your personalized referral code with friends by either:
  providing them with your personalized referral code
  printing the referral form, which contains your personalized code
• When your friend opens their new qualifying Premier, Advance, or Choice Checking account during the offer period, they simply provide the banker with your personalized referral code at account opening. For you to receive credit for the referral, the new account can be opened only in an HSBC branch or over the phone and must remain open for 15 business days.
• Your referral bonus will be deposited to your qualifying HSBC Premier, Advance, or Choice Checking account within 8 weeks of your friend’s account opening.
• You’ll receive a $100 deposit for your first two referrals and up to $200 for each additional referral. Limit of $2,000 in earnings per calendar year. Reward doubles at 3rd referral–$2,000 cap.

• The new account must be fully funded within six months of account opening.
• The individual you referred will receive a $500 referral bonus to their new qualifying HSBC Premier checking account, a $250 referral bonus to their new qualifying HSBC Advance checking account, or a $100 referral bonus to their new qualifying HSBC Choice Checking account within 8 weeks from the date their new account is fully funded.
• The new qualifying account must be open without being changed to a product with lower balance requirements and in good standing at time of gift fulfillment.
• The qualifying new account must be opened only in a branch or over the phone.
• The individual you refer may receive a referral bonus only once and can use only one referral code at the time of account opening.
• Referral bonus is limited to one per household.

Steps on How to Earn The HSBC Advance Checking Bonus:

• Get up to $240 with a 3% Cash Bonus Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities.
• Open your new HSBC Advance checking account online by March 31, 2021; and
• Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then
• Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits up to $40 per month, during the first 6 calendar months after account opening
• You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month’s qualifying activities.

The $25 monthly maintenance fee for the HSBC Advance Checking account is waived with the following requiements:

• $5,000 in combined U.S. Dollar personal deposit accounts and investment balances OR
• A monthly recurring direct deposit from a third party to an HSBC Advance checking account OR an HSBC U.S. residential mortgage loan

Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship.

• HSBC Advance 3% Cash Bonus Offer Terms and Conditions:
• This offer is available only online for applications completed using the Apply now button on the offer webpage.
• You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online.
• To qualify for 3% Cash Bonus (rounded up to the nearest dollar) on Qualifying Direct Deposits up to $240 ($40 max per month), during the first 6 calendar months after account opening you must: (1) open your new HSBC Advance checking account from January 8, 2021 through and including March 31, 2021 and (2) set-up recurring Qualifying Direct Deposits from a third party to an HSBC Advance checking account at least once per calendar month for 6 consecutive calendar months following account opening month.
• The 6 calendar months from account opening begins with the first full calendar month after your Advance checking account is opened.
• You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month’s qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC Advance checking account from third parties at least once per calendar month.
• Customers who held an HSBC consumer deposit or investment account from January 7, 2018 through and including January 7, 2021 are not eligible for this offer.
• All qualifying activities must be completed within the stated time frames in order to be eligible for the 3% Cash Bonus.
• Eligible 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 a form of merchandise and/or cash bonus that are offered to customers who open an eligible checking account and satisfy qualifying activities.
• All promotional offers, products and services offered by HSBC are subject to updates, modifications and/or termination by HSBC.
• Limit one 3% Promotional Offer or New Consumer Deposit Offer per customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes.
• The 3% Cash Bonus to your HSBC Advance checking account will be reported on the applicable IRS form.
• To be eligible for the offer, your HSBC Advance checking account must be open without being changed to a product with lower balance requirements, and in good standing at the time of fulfillment.