Offer at a glance
- Maximum bonus amount: $2,500
- Availability: Nationwide
- Direct deposit required: No
- Additional requirements: None
- Hard/soft pull: Soft
- ChexSystems: Unknown
- Credit card funding: None
- Monthly fees: $50, avoidable
- Early account termination fee: $25, 180 days
- Household limit: None listed
- Expiration date: March 31, 2026
The Offer
Direct link to offer
- HSBC is offering a $1,500 or $2,500 bonus when you open a new Premier checking account. Bonus you receive depends on the amount you deposit or invest the following until June 30, 2026:
- $1,500 bonus for depositing/investing $150K–$249K new money (note the referral offer is better as it only requires $100k)
- $2,500 bonus for depositing/investing $250K–$499K new money (same as referral bonus so please consider using a referral)
- $3,500 bonus for depositing/investing $500K–$999K new money
- $7,000 bonus for depositing/investing $1,000K new money
The Fine Print
Avoiding Fees
Monthly Fees
This account has a $50 monthly fee, this fee is waived if you do any of the following:
- Maintain balances of $75,000 in combined U.S. Dollar personal deposit accounts and investment* balances OR
- Recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s) per calendar month OR
- Any HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship
Early Account Termination Fee
$25, 180 days
Our Verdict
Referral bonus is better for the $1,500 tier and same for the $2,500 tier. Referral bonus requires three full months of deposit, whereas this requires the funds in there until June 30, 2026. So this bonus really only worth considering for the $3,500 and $7,000 bonuses.
It does say you can have the funds invested. Some options:
- Premier Savings relationship APY: currently ~3.3% (requires $5k monthly DD or $500 monthly debit spend to maintain relationship rate, DPs suggest a $5k ACH from an external account works for the DD requirement to earn the relationship rate, YMMV)
- Self-directed brokerage sweep options: HGDXX (HSBC Investor U.S. Government Class A): ~3.39% 7-day yield; HTDXX (HSBC U.S. Treasury MMF): ~3.37% 7-day yield (yields as of 12/31/25, per Yahoo Finance)
Will add this to our best bank bonuses.
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