Earn up to $7,000 when you open an HSBC Premier checking
HSBC Premier开户奖励最高$5000，叠加证券开户$1000，资金需持至6月底。
1. 关键信息
- 活动截止：2026年3月31日开户，资金需保持至2026年6月30日，奖励于8月31日前支付。
- Checking奖励分档：$150K-$249K得$1500，$250K-$499K得$2500，$500K-$999K得$3500，$1M+得$5000（此前最高档曾为$7000，已下调）。
- 证券开户奖励：HSBC Securities开户并入金$50k可得$1000。据称该奖励仅限老账户参与，但Checking奖励新老户均可。
- 合格资金账户：Premier Checking、Premier Savings、Premier Relationship Savings、Managed Portfolio Account、Spectrum account；投资账户（Securities）资金可计入Checking奖励门槛。
- 不合格账户：CD、自管Brokerage、退休账户（IRA/401k等）、信托账户。
2. 羊毛/优惠信息
- 双重奖励策略：可同时获取Checking开户奖励（最高$5000）和Securities开户奖励（$1000），实现“一鱼两吃”。
- Relationship APY：关联Premier Relationship Savings，满足月消费$500借记卡、$500信用卡还款或$5000直接存款之一，可享关系利率。
- Referral链接：有用户拥有推荐链接，需私信获取，使用后可额外获利。
3. 经验与数据点
- 账户功能限制：HSBC Securities不支持期权交易（Option），每笔交易收取$10.99佣金，适合买入并持有如SGOV或Mutual Fund等低费资产（#47, #49）。
- 转账时效与测试：从Checking向Brokerage转账非实时，需1-2天到账。建议最后时刻上车时提前2-3天操作，或先转小额（如$100）测试流程及合规性（#44, #51）。
- 资金转移方式争议：部分用户考虑转入SGOV等短期国债以满足“新资产”要求；但直接转入股票可能因Cost Basis丢失及Deposit Protection（DP）流程复杂而被劝退，建议优先使用现金或低风险工具（#60, #62）。
- 新老户差异：老用户若收到邮件邀请可参与Checking奖励，但Securities的$1000奖励据称仅限老户且可能有额外条件（#24, #57）。
4. 争议或不同意见
- 赖账风险：有用户反馈其他帖子存在HSBC赖账案例，建议保留转账记录、截图Term条款，并在满足条件后主动联系客服确认状态（#33, #52）。
- 操作合规性：从Checking转入Securities是否被官方认可为“新资产”来源存在不确定性，客服未给出明确指引，用户需自行承担风险（#50）。
- 性价比考量：资金占用约5个月，部分用户认为若已有大额资金在账或临近截止日，操作成本与收益不成正比（#17, #63）。
5. 值得跟进
- 账户功能确认：HSBC Securities是否支持Margin交易尚无明确回复，需关注后续讨论（#48）。
- 新资产认定细节：不同用户对新资产转入方式（现金vs股票vs国债）的成功率及风险有不同体验，建议参考最新实测反馈（#64提及在考虑转钱或Fidelity股票，需进一步验证可行性）。
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Here’s how the offer works
Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
Managed Portfolio Account 和 Spectrum account 应该算是投资账户了？那可以在local branch找个advisor帮忙开个户，转点RSU进去，不做任何操作，然后拿奖励销户吗？
这是 active management 账户没法转 RSU 吧。
非得操作吗
us.hsbc.com
HSBC Premier Relationship Account Offers - HSBC Bank USA
Apply for an HSBC Premier checking account to start your premier relationship. Earn a cash bonus, and manage your wealth and global finances with our mobile app.
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我以为我眼睛花了，没想到底下真的是一百万
一百万哪里领
找富婆领取
250K最划算啊
才1M啊
想churn有没有dp
隔壁这个靠谱吗
【引用自 未知】:
HSBC 7000 bonus 是不是把 once-in-a-lifetime 去掉了？ 玩卡
以前有，博客上也写着 ”Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.”
但是这次的申请网页上没有这句话，GPT老师说应该不会给，GEMINI老师说上次关户>36month 就给。
凡事Bank Bonus我发现必有你身影啊，大撸婆
斯凯勒到底有多少cash
是我不想要7000刀吗
100w哪里不行
“Eligible Account(s)” means a Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account open and funded by March 31, 2026, that is held by the client.
“Ineligible Accounts” means Certificates of Deposit, Advised Brokerage, self-directed brokerage, insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts (including Managed Portfolio Accounts and/or Spectrum accounts), including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
看来转股票是不行了，只能现金或者交保护费用那个MP（肯定不会用的
辣鸡offer，就算能让移股票也没啥竞争力，券商都是2% 4%的match
基本上0 interest….1% bonus for 90 days, not that good!
hsbc us是要跑路了吗，怎么开户奖励需求资金越来越多
【引用自 打豆豆】:
Premier Savings
利息还是可以接受的
有别的国家比如HSBC HK的premier了那还能开这个吗
1M也才泥潭人均年薪水平吧
老用户可以么
我也想问，之前开户过的行吗？
老用户收到邮件了应该是可以的
Get your cash bonus with these steps:
Step 1: Add Net New Assets of $150,000 or more to your Premier checking, Premier Savings, Premier Relationship Savings, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026;
还在薅上个季度的bonus，又收到email了，按照terms貌似这个钱不能取出来，要放新的cash
【引用自 打豆豆】:
Premier Savings
相当于限时 savings 1% boost
但是这个日期规则设置得太恶心了
老用户好像也有奖励，登陆web可以看到
Be a Premier client with an open Premier checking account as of March 31, 2026.
Add New Assets of $150,000 or more into a new or existing Premier checking,
Premier Savings, Premier Relationship Savings, Managed Portfolio Account and/or
Spectrum account (Eligible Accounts) by March 31, 2026. Net New Assets must
result in an Eligible Account Balance increase of $150,000 or more AND Baseline
Balance increase of $150,000 or more from December 31, 2025, to March 31, 2026.
没有太多现金 都是股票怎么操作比较好
要3.3% APY的话，操作太麻烦
If you link your HSBC Premier Relationship Savings account to an eligible HSBC Premier checking account and meet at least one of the following qualification criteria each month, you will earn the Relationship Annual Percentage Yield (APY) for the entire following month:
I. A total of $500 or more in purchases or payments made through your HSBC debit card(s) and posted to a linked Premier checking account during the previous calendar month. Debit card ATM withdrawals do not qualify as eligible transactions. Transaction posting dates will be used to determine qualification in any given month, which may in some instances differ from actual purchase dates.
II. A total of $500 or more in payments from your linked Premier checking account to your HSBC credit card(s). Qualifying payment methods include ACH payments, Online Banking, telephone payments, Auto pay / EZ pay, and payments made in a Wealth Center. Check payments do not count as a qualifying payment method. Payments must post to the Premier checking account by 10 PM ET on the last Business Day of the current month to count towards qualification for the Relationship APY the following month.
III. A total of $5,000 or more in qualifying direct deposits from a third party to the linked Premier checking account during the previous calendar month. 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, and deposits made at a Wealth Center or ATM.
IV. Have an 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.
V. Hold HSBC Premier Elite customer status. Effective September 1, 2024, customers are no longer upgraded to Premier Elite status.
The Qualification Period for the Relationship APY is from the first day of each calendar month to the last Business Day of each month. Accounts that do not qualify will receive the Standard APY for the entire following month. If there are changes to your linked Premier checking account (it is closed, changed to a new account type or no longer linked to your Premier Relationship Savings account), you may no longer qualify for the Relationship APY.
前两年就把大部分普通账户卖给国泰了，高级账户和财富管理的业务肯定还是会留着的
$5000 direct deposit 一定是PAYROLL吗？ 别的银行ACH PUSH行吗？另外500呆逼卡PURCHASE不知能否用CASH APP LOAD？ 有这方面的DP请告知，多谢。
Fake dd 还是挺容易的
Doctor Of Credit – 12 Mar 26
HSBC $1,500 - $7,000 Checking Bonus
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
老用户也可以的话，感觉可以冲一下；看DoC评论，HSBC经常赖账吗？
上面写了get a referral code from friend, 用链接申请没看见code啊。
referral code 需要私信，需要的话，请给我私信啊
目前正在研究自动生成referral链接的流程，before that可以dm找我要 要是referral link成功了那就是功德无量可以开referral帖子了
没说一定要交易 就是不交易里面的5w又要损失几个月利息 当然就算损失也是划得来的
15w买SGOV啊，加上2笔手续费还是比 core fund 赚多100
是呀 放5w进去买 剩下放saving
我记得referral不给开是因为需要名字？我也希望可以开referral帖子 我的手速完全抢不到给谭友refer的机会
也可以xhs上发帖子哈哈
国内信息开的premier可以refer给朋友拿奖励么，有啥坑不
博客说一鱼两吃可 https://www.uscreditcardguide.com/hsbc-checking/ https://www.uscreditcardguide.com/hsbc-checking/ HSBC Premier Checking Account 汇丰银行支票账户简介 【2026.4 更新】新的开户奖励是 $1,500/$2,500/$3,500/$5,000，要求存入 $150k/$250k/$500k/$1M。现在资金可以放在投资账户里也计入了。除了checking部分的offer之外，现在还出现了一个$1,000的HSBC Securities开户奖励，需要入金 $50k，有...Read more
上个礼拜开了 brokerage account，这两天转个100刀过去试试。从 checking 到 brokerage account 的转账不是实时的，需要大概1-2天才出现在账户里面。 如果你打算6月的最后时刻上车，务必不要最后一天转钱，以免赖账。提前2-3天转进去比较稳妥。
我也看到了，准备找个branch开一个
lijunle: brokerage account Hsbc的brokerage account支持option么？
Option感觉似乎不行的，没有看到入口。 另外，投资Mutual fund没有费用？ /uploads/short-url/oGMbOJjaS9m1O9YhmPl93dq5oFW.png?dl=1 /uploads/short-url/4g12uMf485dr7pWqyF2HaeBjFpG.png?dl=1 /uploads/short-url/bsnjeEo24K6CgnKsfREZ9cFu2CA.png?dl=1
多谢！那能开margin么？
每笔交易有10.99 commission fee，看上面截图，你确定要搞那么复杂的事情？
想问下您的钱是先到checking再转入hsbc securities吗？有个帖子说这样可能会被赖账，问了自己客服说让我联系专业的licensed agent真的醉了。。。完全不知道要怎么搞了。。。
是的，不过我先转了100过去试试水。 Term有说这样子不行吗？放AI读一读。
看其他帖子有被赖账的，好像还有人问客服了，再去问问我那个客服好了
有什么新的消息吗？
等下，我发现这帖子的链接都很陌生啊，我们是在讨论这个 offer 吗？ https://www.us.hsbc.com/checking-accounts/campaigns/premier-relationship/offer/ https://www.us.hsbc.com/checking-accounts/campaigns/premier-relationship/offer/
是的，降了，之前是7000，但是多了个security的1000
但是你主楼那个是新账户，我的那个是老账户，看起来不一样啊
new money新老账户都行，security的1000按别楼说法必须是老账户
懂了！
看隔壁的帖子，准备转点sgov进去了
转股票也能满足 checking 的要求吗？那部分不需要现金吗？ Edit: 再读一下term，说的是new assets，所以应该是可以的。但是我也没有SGOV之流，转股票进去担心cost basis丢失问题，我还是搞点现金吧
为什么转股票会丢失cost basis？
泥潭搜一搜，就是之前DP，cost basis转去某些券商很慢，而且容易丢。我没有转过，一直在 Fidelity。
不准备做checking了，因为3月底还放了10多wan，不是很值得
求指路哪个帖子，在考虑转钱还是fidelity转点股票过去，