Earn up to $7,000 when you open an HSBC Premier checking
HSBC Premier开户最高$5000奖励，新增$1000证券奖励，投资账户可计入。
1. 关键信息
- 开户截止2026年3月31日，资金需保持至2026年6月30日，奖励8月31日前支付。
- 奖励分档：$150K-$249K得$1500，$250K-$499K得$2500，$500K-$999K得$3500，$1M+得$5000（原$7000已下调）。
- 合格账户：Premier checking、Premier Savings、Premier Relationship Savings、Managed Portfolio Account、Spectrum account；投资账户（Securities）也可计入资金（#43）。
- 不合格账户：CD、自管 brokerage、退休账户（IRA/401k等）、信托账户等（#15）。
- 老用户可能可参与（#24收到邮件，#27官网显示老用户有额外条件）。
2. 羊毛/优惠信息
- 开户奖励：$1500 / $2500 / $3500 / $5000（对应$150k/$250k/$500k/$1M）。
- HSBC Securities开户奖励$1000，需入金$50k（#43），可与checking奖励“一鱼两吃”。
- 关联Premier Relationship Savings可获Relationship APY，需满足月消费$500 debit card、$500 credit card还款、$5000 direct deposit等条件之一（#29）。
- 有referral链接可用（#36），但需手动私信获取。
3. 最新动态
- 2026年3月12日Doctor of Credit发布文章确认该offer（#33）。
- 老用户收到邮件邀请（#24），官方term中不再有“once-in-a-lifetime”限制（#10）。
- 之前HSBC将大部分普通账户卖给国泰，保留高级账户业务（#30）。
- #43更新：奖励金额从$7000最高档下调至$5000；资金可放入投资账户（Securities）计入；额外出现$1000证券开户奖励。
- #44：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天转账以避免赖账。
- #45：有用户准备去branch开户。
- #46：有用户询问HSBC brokerage账户是否支持期权交易（option），目前无明确回复。
4. 争议或不同意见
- 转股票可能不可行，RSU/股票需通过Managed Portfolio Account等，但退休账户不合格（#15）。
- HSBC可能赖账（#33评论提及）。
- 资金占用时间长（约5个月），机会成本较高（#17算得1% bonus for 90 days）。
- $5000 direct deposit是否必须为payroll、debit card能否用Cash App等存疑（#31），但fake DD较容易（#32）。
- #43提到新奖励金额降低，但可叠加证券奖励，需注意两个offer的独立要求。
- #46：brokerage账户功能（如期权交易）尚未确认，可能影响部分用户资金安排。
5. 行动建议
- 有$15万+闲置现金或可转移资产（如SGOV等短期国债）的可以考虑冲（#38）。
- 老用户可先确认资格（登录查看或联系客服）。
- 注意必须为净新增资产（new assets），不能动现有资金（#25）。
- 推荐优先使用referral链接（#35-#36）以额外获利。
- 短期来看$250K档（$2500）性价比最高（#8）；若同时做证券$50k入金可再拿$1000，建议评估资金总量和占用时间。
- 注意最高档奖励已从$7000降至$5000，但投资账户计入降低了门槛。
- #44：转账需提前2-3天，避免最后一天操作；可先在brokerage转小额测试。
- #45：去branch开户可能更顺畅，可携带资料现场办理。
- #46：若计划使用brokerage账户，建议先确认是否支持期权交易，以免影响策略。
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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？