Bank bonus
HSBC · Premier Checking
Ends 2026-12-31
The terms
| Bonus | $1,000 at $50,000 · $1,500 at $100,000 · $2,000 at $250,000 · $3,000 at $500,000 |
|---|---|
| Minimum | $50,000 new money |
| Direct deposit | Not required |
| Money tied up | about 120 days |
| Fees | $50/mo unless Premier criteria met (e.g. $100,000 combined balances); we subtract 4 months below $100k |
| Expires | 2026-12-31 |
| States | Nationwide |
| Credit pull | soft (Doctor of Credit data points, not stated by the bank) |
How to actually get it
- Open an HSBC Premier checking account by December 31, 2026.
- Add $50,000+ in new money to deposit and/or eligible investment accounts within 30 calendar days.
- Maintain the balance for 3 full consecutive calendar months after opening.
- Stay opted in to HSBC marketing emails.
- Bonus paid within 8 weeks of meeting all requirements.
Catches
- Not eligible if you have ever had a U.S. HSBC account, even a closed one.
- $50/mo fee unless you meet a Premier requirement (e.g. $100,000 combined balances).
- The account must be open and in good standing when the bonus pays.
| Early-closure fee | Not stated on the offer page. Keep the account open until the bonus posts. |
|---|---|
| ChexSystems / credit pull | Not stated by the bank. Reader reports suggest a soft pull (Doctor of Credit data points). |
| Taxes | Not stated on the offer page. Bank bonuses are generally taxable interest income, usually reported on Form 1099-INT. |
From https://www.us.hsbc.com/checking-accounts/campaigns/premier-relationship/, checked 2026-10-24. Confirm on the bank's page before you open.
In their own words
Open a Premier checking account by December 31, 2026. Add your preferred amount of deposits and/or eligible investments within 30 days. Maintain your balances for 3 full consecutive months. Remain opted-in to receive HSBC marketing emails. Get $1,000: Deposit or invest $50,000 to $99,999; Get $1,500: $100,000 to $249,999; Get $2,000: $250,000 to $499,999; Get $3,000: $500,000+.
Quoted from https://www.us.hsbc.com/checking-accounts/campaigns/premier-relationship/, checked 2026-10-24.
See the offer at HSBCBattle math
| Amount | 30 days | 90 days | 180 days | 365 days |
|---|---|---|---|---|
| $5,000 | — | — | — | — |
| $10,000 | — | — | — | — |
| $25,000 | — | — | — | — |
| $100,000 | — | — | +$1,500 | +$1,500 |
Dollars you keep = bonus + interest earned (APY over the days) − estimated fees. "—" means the amount or time doesn't qualify.
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