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HSBC offers a referral program that is currently better than what is being offered publicly.

To get the bonus, it says that “The new account must meet qualifying requirements within 90 calendar days of account opening” or basically just meet the requirements to keep the account fee-free.

One caveat is that you have to open either by phone at 800.975.4722 or in person. My referral code is S015181908.

It looks like HSBC is pretty lax with direct deposit, I see that Wells Fargo, Chase, Discover, and Ally all worked successfully. The HSBC Premier requires a $5000 Direct Deposit, and if you can’t manage that HSBC Advance accepts any amount of Direct Deposit. The Fusion business for $300 also looks pretty good.

There are 4 account options:

$600 referral bonus HSBC Premier: Maintain a balance of $75,000, or have Monthly recurring direct deposits totaling at least $5,000, OR have an HSBC mortgage at least 500,000

$250 HSBC Advance checking: Have a monthly recurring direct deposit, OR An HSBC U.S. residential mortgage loan, or maintain a balance of at least $5,000.

$100 HSBC Choice Checking: Maintain a balance of $1,500, or have a monthly recurring direct deposit.

$300 Fusion First Business Checking account: Have an account balance of at least $5,000 for 90 days.

Small print:

Consumers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible.

Businesses who currently hold, or have held in the past 3 years, any HSBC business account are not eligible.

The bonus will post within 8 weeks from the date the new account is fully qualified, and

The new Eligible Account must be open without being changed to a product with lower requirements and in good standing at time of gift fulfillment.

Also, you can’t refer yourself.


Just noticed that I got the $750 bonus from HSBC.

1/08/2020: initial deposit $55
1/13/2020: ACH push $5050 from Chase
2/19/2020: ACH push $5050 from Chase
3/10/2020: ACH push $5050 from Chase

dan le

please help, how do i make ach push from chase,
i have chase total checking account.
is it through the transfer button ?



Opened account October 31, 2019

$5,001 pushes from Discover savings in November, December, January, February (pushed money back to Discover immediately after deposit into HSBC)

$750 Bonus received February 7


Just received the $750 bonus today.
Opened account on Nov 1, 2019 and set up DD, expecting the the DD window to be from the 2nd full month, so Dec-Feb. $5k DD from employer deposited in Nov-Jan. Bonus received 1 month earlier than I expected today on February 7, 2020!


Happy New Year 2020! and happy to my $750 bonus 🙂
Sep 7, 2019: open Premier Checking account: did everything online including verifying phone number for access code and download phone app for 2nd step verification to avoid the mess many people here have to went through. the entire application process took about 30 min
Oct 4, 2019: 1st DD from my employer. been keeping $5k/month DD from my employer until now. The requirement says 3 months of DD starting the 2nd month so I guess that mean Oct, Nov, and Dec.
Jan 2, 2020: Received $750 bonus

They say for Premier Checking account, monthly fee is waived for the first 6 months and there is no closing fee. I have been transfer the money out of HSBC as soon as my paycheck hit. Going to find out how to close the HSBC account now.


Update 1/10/2020: $750 bonus is transferred to another bank. Closed account through Secure Message.


Did you drain to $0 before Secure Messaging or leave $50 to be safe (in case monthly fee posted before closing)?


Am I missing on Direct deposit requirement, the link says:
✔ Make recurring Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) per calendar month; and

Dave Jewett
Dave Jewett

I opened a HSBC Advancd checking account on June 25th and followed their guidelines to receive the $350 bonus offer.
It’s now December 18th and I have not received the bonus.
After the 90th day of account opening, they advertise you’ll be paid the bonus within 8 weeks.
Now they are giving me the run around.
No bonus as of yet!!!


I have been in US for less than 2 years, this offer explicitly call out 2 year of residency requirement. Any data points on if I can make this work?


2k transfer from Ally posted as p2p. I should be fine since new money?

(meant for newer bonus)


Has anyone had any success getting this bonus twice in one year? I opened my account in August 2019, and the language says “Customers who held an HSBC consumer deposit or investment account from July 31, 2016 through and including July 31, 2019 are not eligible for this offer.” So I’m wondering if I could manage to score it again…

BTW, I was successful doing DD via Venmo the first month (2 rounds of $2500), then real work DD of $5K the second two months, then the bonus posted 8 days after the 3rd DD.