Posted by William Charles on October 6, 2017
Bank Account Bonuses

Published on October 6th, 2017 | by William Charles


HSBC $200-$750 Checking Bonus – Direct Deposit Not Required

Offer at a glance

  • Maximum bonus amount: $750
  • Availability: Nationwide
  • Direct deposit required: Not required
  • Additional requirements: Deposit requirements, see below
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees:
  • Early account termination fee: $25 if closed within 180 days
  • Household limit: None listed
  • Expiration date: November 20th, 2017

The Offer

Direct link to offer

  • HSBC is offering three new checking bonuses of $200, $350 and $750. Each level requires a different account and requirements.
  • Choice checking $200 bonus requirements:
    • Open new HSBC Choice checking account by November 20th, 2017
    • Deposit a minimum qualifying balance of $1,500 or more in new money in combined checking and savings accounts within 30 calendar days of account opening
    • Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
  • Advance checking $350 bonus requirements
    • Open new HSBC Advance checking account by November 20th, 2017
    • Deposit a minimum qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening
    • Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
  • Premier checking $750 bonus requirements:
    • Open new HSBC Premier checking account by November 20th, 2017
    • Deposit a minimum qualifying balance of $100,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening
    • Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

The Fine Print

  • Customers who held any HSBC consumer account from October 1, 2016 through October 1, 2017 are not eligible for this offer.
  • New Money is defined as deposits not previously held by any member of the HSBC Group in the U.S. Accounts/Assets that are ineligible for New Money include: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement 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 and estate accounts.
  • HSBC reserves the right to change or terminate this offer at its sole discretion.
  • For purposes of determining whether you have maintained the Qualifying Balance for the Welcome Deposit, a New Money average balance will be calculated every Friday to derive the average monthly balance throughout the total offer period.
  • Limit one Welcome Deposit per customer, including all individual and joint accounts – the first line name on the joint account is considered the customer for gift purposes.
  • The Welcome Deposit to your HSBC Choice Checking account will be reported on the applicable IRS form.
  • Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA N.A
  • New Consumer Deposit Offers are defined as incentives in a form of merchandise, cash bonus, and preferred rates on savings accounts and/or CDs that are offered to customers who open an eligible checking account and satisfy qualifying activities.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Choice Checking ($200 Bonus)

This account has a $15 monthly fee, this is waived if you meet either of the following requirements:

  • Receive a direct deposit
  • Have $1,500 in combined personal deposit and investment balances

Advance Checking ($350 Bonus)

This account has a $25 monthly fee, this fee is waived if you maintain linked combined balances of at least $10,000 or at least $5,000 with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle.

Premier Checking ($700 Bonus)

This account has a $50 monthly fee, this fee is waived if you have $100,000 or more in combined balances.

Early Account Termination Fee

There is a $25 fee for closing the account within 180 days (Link).

Our Verdict

Last year they offered a bonus of $350 and you could receive this by opening the choice account and paying two bills. This is much better than this bonus, as this bonus requires an advance checking account for the $350 bonus and $10,000 deposited for at least 90 days (plus you need $10,000 to keep the account fee free as well, the other offer only required $1,500 to be kept in the account to be fee free). This does have the higher bonus of $700, but that isn’t seriously worth considering as you need to have $100,000 deposited for 90 days.

Personally I’d just give this bonus a miss, due to the fact that last year they offered such a better bonus but it is better than the recent referral bonuses. If you’re seriously considering going for this bonus, then I’d also recommend reading this post detailing some of the issues with HSBC and getting the bonus. I won’t be adding this to our best bonus page due to the recent history of a better bonus being offered.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

110 Responses to HSBC $200-$750 Checking Bonus – Direct Deposit Not Required

  1. Bungy says:

    Please pass on this bonus guys and gals. The headache that goes with HSBC is not worth it. There’s a like four step six week process involved with them including a telephone interview just to open. Just…don’t.

    • Credit says:

      This is not true. If you let them know upfront that you are looking to launder money they will stop asking questions and put you in touch with drug mafia as well. Like most laws in civilized countries, banking laws are meant to harass law abiding citizens while the criminals go scot free. HSBC just does this better than other banks.

      • Justin says:

        Good advice. Being upfront with the bank is always a good idea, especially when doing multi-million $ international wires. HSBC is very helpful. Connected me directly with proper authorities 🙂

    • anthonyjh21 says:

      Let’s not forget the 1099 fiasco too. How a bank that large screws this up is beyond me.

    • DD says:

      Trust me: listen to Bungy on this one. Ghaad!

    • Jenny says:

      I agree. Applied yesterday and it is like getting a FBI security clearance.

      • Jenny says:

        I have softened on this bank. They approved me yesterday when I phoned after not hearing anything in 48 hours. The old bat rep sounded like she was 114. She asked if I planned on taking the $350 and running. I demurred. She said: Well, that is what my sisters did! Damn good money!

        • Flea says:

          Did they make you proffer utility bill and proof of address?

          • Jenny says:

            Surprisingly no. I skipped that part in the app. because I use my middle name on utility bills and applied with my given name. I called & was told the bills would be sufficient, but never want back to scan them in.

  2. Guy Bucktastik says:

    Last year I opened accounts for me and SO for $350 bonus. Accounts were easy to open and we got paid within 90 days of account opening. Account was easy to close by phone after six months.

    Everyone shares their awful experience, but I had a nice experience.

    • JT says:

      Yeah same it wasn’t too bad. I’m just waiting for my account closure date to slide out of this little rolling window restriction that they seem to have.

    • Ben H says:

      I got my bonus last year without any issues. However, given the many data points of people having issues with HSBC, I think William is right not to put this on the best bonus list. I plan to get this bonus for my SO this time around, but I also am going in understanding that it may be a lot more work than most bonuses.

    • SamSimon says:

      In branch to open account is easy, but online it was crazy, long application, many questions, then phone calls to verify a lot of info…

    • Jenny says:

      I am going to apply for the husband too. Should I wait a while?

    • Jenny says:

      They sent the debit card in the mail and said the PIN and other needed registration number would arrive separately. It hasn’t so I called and had to hang up after being transferred all over India without resolution. Anyone know how long it takes to get PIN etc in mail? Thanks

  3. Catapult says:

    This was easy for me last year. I went in-branch and it took about an hour for them to open my account. Time well spent because I had an insightful chat with the banker. They had a CD offer (in-branch only) so my money was earning 1.35% and not 0.0X %. $350 bonus came in on the expected date.

  4. scott says:

    I had the misfortune of having a bank account with HSBC. Worst bank I ever dealt with. They are so incompetent. I will never do business with them of any nature.

  5. Eddy Cue says:

    These requirements look bad. Last year’s were easier to meet but it was a lot of stress opening accounts for many folks. Mine wasnt that bad but still had a few issues

  6. AE says:

    The link goes to a blank white page for me… maybe their link is not active yet?

  7. Kris Sam says:

    Guys, I am going to try to open this year as I was really scared by reading all of your bad experiences last year…I just have one quick question to ask….After keeping $10,000 in ‘Advance Checking’ for 90 days and getting the $350 bonus, can I change/downgrade my account to ‘Choice Checking’ so that I can keep only $1500 balance in Choice Checking account for next 90 days before I can close my account on 181st day?

    • JASON says:

      Workable for other banks such as TD bank. I assume this would work well if you downgrade the account and keep only $1500 at HSBC. By the way, maybe you also want to take a look at their recent released CC after account open. Be sure to freeze Experian before applying and that they would pull EQ since not too many banks pull EQ for CC application review.

    • bob lemmon says:

      correct. i had a pleasant experience with them – they even put a notice on my pace saying, “You’ve completed the reuqiremtns for your $350 bonus!” so i knew i was good.

  8. JASON says:

    Missing a zero for Premier checking: “Deposit a minimum qualifying balance of $100,00”, should be $100,000

  9. Holly says:

    Minor typo in the Premier/$750 tier:

    “Deposit a minimum qualifying balance of $100,00”

    I assume that’s $100,000.

  10. JoeF says:

    Never honored last time. Called the rep and he agreed that I did everything right. Told me to move on. What a joke HSBC?

    • DD says:

      I would have filed a complaint with CFPB.
      I had to file a complaint against another Big Four bank this year. And I did get my bonus right on time.

  11. Evan says:

    Tempted, but data points have me thinking that this is a pass. Churning credit cards & bank accounts is just a hobby imo. Hobbies should decrease your stress, not increase it.

  12. john mccann says:

    Soft pull??? Applied .Declined in 20 seconds(or less). Approved elsewhere 99% of the time. I decline them!

    • anne says:

      From last year posts, a lot of people including me got declined due to chex system inquiries. I wonder I should try again this year haha.

  13. Monty says:

    I got the following msg:

    Your application is currently being reviewed. We may reach out to you within 48 business hours if additional information is required to complete the application process.

  14. Az says:

    Got the $350 bonus last year. But this bank is so incompetent to the point that they totally screwed up the 1099 form. We went into a branch after failing to receive a 1099 from them past deadline, only to be given the completely false answer by the manager claiming that because the bonus posted towards the end of 2016, it would be included in a 2017 1099 form. We ignored that answer and included this bonus in our 2016 tax return anyway. That turned out to be a brilliant decision, as months after the tax filing deadline we received a 1099 from them with a letter admitting that they screwed up and that we should correct the tax return accordingly. It’s good to know that they got fined for this.

  15. yana says:

    Did it last year, so I won’t be eligible. 🙁

  16. P says:

    I’ll give it a try before the expiration and share my experience. Hopefully they approve people residing in Hawaii

  17. anne says:

    How come it just gave a blank page when I clicked the link in this post?

  18. Gibunono says:

    Customers who held any HSBC consumer account from October 1, 2016 through October 1, 2017 are not eligible for this offer.

    How to understand this requirement?

    I can’t have any account during anytime (even one day) falling into that period OR I can’t hold the account all during that full period?

    Well, I guess nobody can give a definite answer except for HSBC but please share your opinion.

  19. Sid says:

    Does having HSBC accounts within the last year include HSBC credit card accounts or just savings, checking etc? Thanks for all your valuable info.

  20. Flea says:

    Well, I’ll try anything once! So far submitted app; was locked up for a while because HSBC remembered the existence of my old login. Sadly, I did not, having been severed forcibly from HSBC at the time of the First Niagara buyout (bet this was 8 years if it’s been a day), so I no longer owned a record of my linked debit card to enter the numbers, and was too lazy/scared off by prior reports to risk being on the phone for God knows how long while they unlocked it. (There’s an option that says “Continue Anyway?” once they tell you that you’ve still got a login, which will let you bypass using the old login. Just to be safe I used a secondary email account when asked.)

    Account currently “in review” status; going for the Advance Checking (hold 5K on account and program once-monthly recurring DD version). Thinking I will load and try Serve first, as the HSBC fine print says “third party” for qualifying DDs, and account transfers with other institutions have coded as “Serve Enterprise” without my name attached. Initial funding requests routing and account number, so don’t believe funding by credit card is an option. Will check in again with a later status report.

    • anne says:

      How can you check the status? I thought my account is pending but I got an email saying that my application is incomplete. Weird.

      • Flea says:

        Did they give you an application number along with the incomplete notice? you can call “1.844.867.5750 between the hours of 8:00 AM – 8:00 PM ET Monday through Friday” (press “2” for “deposit accounts” when prompted), and give the application number for a status report. (You can probably try to wade through the process with an individual rep even if they haven’t given you an application number though, as I didn’t need it in order to get through the phone tree to a human.) In my case, they never bothered to send me anything; but a call yielded the information that they are waiting on me to send them “a utility bill or a lease agreement” (!) with confirmatory proof of address. Interestingly enough, they’ve already sent trial deposits to my funding account, and that’s what alerted me that I ought to be looking to see when and where I can expect to see my initial deposit move.

  21. Alex says:

    I don’t know why it’s a miss. Looks like this time one can open the account online so no phone holds and conversations. Requirements might be different but pretty simple. Take $10K, put in the account, keep for 6 months, somewhere in the middle receive the bonus. Close the account with 7% annualized gain. Sounds pretty good to me.

    I did their late 2015 offer but not the last one (referral) offer. It went pretty smooth. Ready to do this one. The bonus will be paid out in 2018 and they’ll have plenty of time to do 1099 right. For those pissed off about 1099 fiasco, fines for improper serving 1099s are high so you’re welcome to give the IRS a call to teach HSBC.

    • stacker says:

      It’s because this bank was incompetent. I am basing this on last years offer. I don’t know if they have got there stuff together yet. In my case it took them 10 weeks to follow-up on opening my account after I applied due to a quote “clerical error”. Also they forgot to send a 1099 to some folks. Plus they got caught red-handed laundering money for violent Mexican drug cartels. Off topic this is why we need to legalize marijuana in the USA. Alcohol kills more people than marijuana does. People don’t tend to smoke marijuana and drive reckless like with alcohol.

  22. Tom says:

    Would also say “don’t bother” – opened an account earlier this year, satisfied requirements… no money. Called in, they pretty quickly told me the offer expired before I opened the account… No, it didn’t. Was transferred around, asked to *read out loud* the DM piece (shockingly, they couldn’t find the offer), told the marketing department was responsible for this, told they would call the branch, told there was no way they could give me a timeline, etc etc etc. CSR was also singularly terrible – tried to talk over me for a good 60 seconds, refused to answer my questions, started repeating the same thing again and again.

    In branch, they tried to throw away the terms of the offer. Then refused to give me the terms twice. Had to forcibly take it out of my “banker’s” hands. Should have run then.

    Really doubt I’m going to see the money – anybody have a similar experience and prevail?

  23. Rab says:

    For the advance checking i see 2 options:

    1. Load 10k
    2. Load 5k and do a dd once every month of any amount

    Is my interpretation correct?

    • Correct, keep in mind you need $10k for 30 days for the bonus

      • Davif says:

        Is it 90 days or 30 days for $350 eligibility if 10,000 is deposited?

        • Deposit a minimum qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening

          Thats for the bonus, then you need to keep the account fee free.

          • Jenny says:

            Applied for this yesterday. What an ordeal! Worst of numerous accounts I have had in the past. Bizarre application! Then wanted me to fund before approval. I called and they said they needed all the routing etc and would not grab money unless approved. She said I could open with a dollar and send the 9999 after approval. So exhausting I didn’t complete the app. But may today.

  24. Trippy says:

    Does they waive the fee for the first month or two?

  25. Bhanna says:

    Applied for an Advance checking in hopes of getting the $350 bonus. Never had HSBC before, but I hope I will not have a bad experince the first time around. I saved all the pages with the fine print just in case. Plan on parking the $10,000 in there for 91 days, then pulling out, converting to a for another 90 days, then closing it up and walking away.

    I have 30+ Chex inquries (M&T, and all the ones from earlier this year), and I received an email saying: “Thank you for your HSBC Advance checking application. Your application is currently being reviewed. We may reach out to you within 48 business hours if additional information is required to complete the application process.”

  26. AE says:

    Beware – Credit cards with HSBC make you ineligible for this bonus: ”
    I understand the concern, credit cards are considered an open consumer account with HSBC. If the account was open prior to October 1st 2017, you would not be eligible for the promotion. ”

    I just opened a credit card with you all earlier this month
    at 13:07, Oct 11:
    so my question is – in the fine print: Customers who held any HSBC consumer account from October 1, 2016 through October 1, 2017 are not eligible for this offer.
    at 13:07, Oct 11:
    does that make me not eligible – or is it talking about bank account only?
    at 13:07, Oct 11:
    Thank you for that question.
    at 13:08, Oct 11:
    Please allow me 1-2 minutes so that I may look into this for you.
    at 13:08, Oct 11:
    thank you
    at 13:08, Oct 11:
    You are welcome!
    at 13:08, Oct 11:
    if a link helps:
    at 13:10, Oct 11:
    Credit cards would be considered apart of the consumer accounts. You would be welcome to still apply for the HSBC Choice Checking account!
    at 13:10, Oct 11:
    However, because there is an open credit card, you may not qualify for the promotion.
    at 13:11, Oct 11:
    That is confusing
    at 13:11, Oct 11:
    Am I eligible for the promotion or not? I just opened up a credit card with you all. I do not have any bank accounts with you all.
    at 13:11, Oct 11:
    Since you have an open credit card with HSBC, the credit card is considered a consumer account.
    at 13:12, Oct 11:
    So I would not be eligible for the promotion.
    at 13:12, Oct 11:
    That is correct, but you are still welcome to apply for an HSBC checking account!
    at 13:13, Oct 11:
    I appreciate that but when the option to open with a promotion exists – it is unfortunate that credit cards render opening a checking account not eligible. Are you 100% certain that this is the case?
    at 13:15, Oct 11:
    at 13:15, Oct 11:
    I understand the concern, credit cards are considered an open consumer account with HSBC. If the account was open prior to October 1st 2017, you would not be eligible for the promotion.

  27. eclipsor says:

    anyone else’s app in review for over 2 days now?

    • Flea says:

      Absolutely, I’d advise calling them (I slapped the number somewhere upthread a few days ago). I never got an email nor any communication saying what was the problem either.

      Personal update: My cable bill is the only bill I’ve got with any type of listing of my address, and after calling and getting a new call center rep, it seems they’ve been told to – sit there and parse line items on bills.

      The rep called it my “Internet bill”. When I protested saying that it’s my cable bill (you can rest assured it is), their response was “Er, the only thing I see pertaining to ‘cable’ on this is – a ‘cable card’???” Me, thinking “Yes, and your point is? The company provides cable. I can’t make the bills say anything different than what they say already.”

      Cue repeat of canned language about “a utility bill or a copy of your lease agreement”, after which point I simply hung up on the call, because forget it. They’re not getting my lease agreement out of me, and as previously mentioned, I’ve got no other “utility” bills except my cell phone, which they certainly wouldn’t accept either as I’m sure it, too, says “Internet” all over its line items.

      Keep in mind, I’m also a former seasoned customer so fresh in their systems that the automatic system refused to create a new login for me, because I already existed. Now, only if I knew I’d have to remember my actual login details for a bank that couldn’t wait to dump me from their roster in 2011 just because they sold my bank, because they’ll program their systems to remember *that*, boy howdy.

    • Jenny says:

      I applied yesterday and will phone them Monday if I don’t hear anything.

      • Dan says:

        call them now. They will never call you (back).

        • Jenny says:

          I did call and they said it was approved.
          No paperwork in the mail yet like they usually send. This place is annoying, but all in all I spend under an hour thus far and $350 an hour is more than I ever made

          • Jenny says:

            They sent the debit card and other account info yesterday.
            I am going to see if I can get one in my husbands name now. So far, not so bad. I applied 10/10 & had the card within 2 weeks. I forgive them for the tedious app. Process

  28. georgon says:

    If you put $10000 in cd for 6 months will you get $350 bonus?

  29. ZACHARY says:

    Is there any possible to get this offer in branches? Because it did not approve my application online?

    • Jay says:

      I have targeted mail offer. It has personalized code. I can send you photo of my card but I do not know if they accept photo copy. Direct Mail offer is for HSBC Advance checking account for $350. Expires December 1 2-17

  30. chriis says:

    I sent in an insurance bill but this bank wants either a utility bill or a lease agreement. Guess I am screwed because I have neither of those.

    • Jenny says:

      Maybe not. I didn’t upload anything when prompted in the online application. Called two days later and was told the app was approved and a week later the debit card etc came in the mail.

    • Jenny says:

      Maybe not. I didn’t upload anything when prompted in the online application. Called two days later and was told the app was approved and a week later the debit card etc came in the mail.
      Good luck!

  31. Dan says:

    How do I combine this offer and the 25k AA miles offer?

  32. Denise says:

    Does anyone know whether this HSBC checking account requires a mailed in Signature Car, or an utility bill? I’m a U.S citizen, with a U.S residence, but I’m currently overseas for the next 6 months.

    Thanks so much in advance for any info!! I want to open this.. and I’ve been looking at this bonus for over a week.. but just wanna ask to be sure about the Signature Card, otherwise it’s a waste of time and a CHEX inquiry for me.

  33. Ienny says:

    I recently got this same account. They did not ask for a signature card, but it may have been done electronically as part of a very lengthy application. They did ask for a utility bill, but I didn’t scan one in because mine are under a nickname, not the first name I submitted. They said it didn’t matter, but I never submitted it. This process was a pain in the ass and I had to call multiple times, but the account is ready to fund. Worth the $350 bonus! Took two weeks, not all that bad, but more annoying than any other bank.

    • Jackw says:

      I’m curious and maybe a bit confused. Why did you need to call HSBC more than once to get the account opened? What happened on each call, if you wouldn’t mind sharing. I keep hearing how terrible the process is, but just wondering what happens when you call, and why it requires multiple calls to get it done? Thanks for any insight

      • Jenny says:

        There was a delay in getting the PIn I needed to fund the account after it was approved. Probably had I been more patient some of the calls would have been unnecessary

      • Flea says:

        Part of the problem is, I feel, that they never hand you to the same person twice when you call the 1-800 number; and they’ve got zero follow-through in the bargain. My process went like this:

        Apply online; wait around with no word; call to find word, and discover I had never uploaded a utility bill (maybe I skipped it in the online interface; but at any rate, I don’t recall ever being asked to upload one online).

        Emailed utility bill to that rep’s attention as asked, who then never said anything to me for multiple days; when I called back referencing my reference number, I got Rep #2, who led me through the song and dance about my cable bill not being good enough.

        After several more days, Rep #1 calls me and leaves a message asking me to call her, which I never bothered doing because, again, I’ve got no bills that will suit them… still waiting. Nobody has emailed me to deny my app; nobody has attempted to take my initial funding deposit. Nobody seems worried I haven’t called them, and they certainly weren’t worried about doing right for me when I did.

        They’re just a bad, disorganized bank, with no attempt to be organized.

  34. denise says:

    Just bit the bullet.. applied for my first HSBC account.. It told me to upload a copy of either an utility bill or a lease agreement (neither of which apply to me, and I don’t have), but according to a couple datapoints from comments on DoC.. a couple people seemed to have ignored the demand to upload an utility bill (hope that’s correct)….and here’s the message on the final page after I finish the application:

    Thank you, .
    Your application has been submitted and is being reviewed.

    HSBC Advance checking account
    Application ID:

    Application pending

    What’s next:
    We may reach out to you within 48 business hours if additional information is required.  Upon completed review, you will receive an email with the status of your application.

    • Jenny says:

      Denise, when they didn’t contact me after 48 hours I phoned and they asked a few more questions and then said it was approved. I did not submit a utility bill initially because it was under a different first name. They said that would be OK, but I called after 48 hours and never submitted one as she said it was approved.
      Different story when I applied for my husband. They keep sending emails requesting a utility bill. Problem there because they are all under my name, so tomorrow I am going to try to get it switched to his.

      • Ray says:

        Utility bills are under my fathers name but they were ok with that. They just needed his first name and date of birth.
        I like they instantly verify my other bank account to fund HSBC account . No trial deposits needed. So far easy and fast process, I am still waiting for debit card but I will not use it anyway.

        • Jenny says:

          That is interesting. I would be afraid though to have my husband say the iutility bills are under my name in case they only allow one bonus per household, of course, they have other ways to connect us

        • Danny says:

          Hey Ray, same situation.. the utility bills are in my Dad’s name. I’m also traveling overseas.

          But I’m curious, in your situation, did you wait 48 hours after applying and then call HSBC? I’m wondering what happened after you applied and when you decided to call, etc. and which department to ask for. Thanks!

          • Ray says:

            They called me 2 days after application from # 1.877.222.8218 to remove security freeze from Experian. After removing freeze I called them back and guy told me to email them utility bill, he verified with their vendor during our conversion that bill is under my father name. 2 days later they send me approval email.

  35. denise says:

    Were you required to upload / send a utility bill after filling out checking application? For me, HSBC asked for a utility bill at the end of the application (which, I don’t have.. it’s in my Dad’s name), but it also said to wait 48 hours.. some people said they waited 48 hours, but never got any notification nor follow-up from HSBC.. so some people decided to call.

    It’s been 36 hours since I applied. I’m wondering if I wait another day or so.. maybe my account will be approved? Or maybe there’s no way it will get approved automatically after 48 hours, if it said to send an utility bill in?

    • Jenny says:

      I never uploaded a utility bill, waited 48 hrs and they said it was approved when I called. I funded with 10K a week or so later after the debit card and PIN came in the mail

      • denise says:

        hi Jenny,

        I’m really curious… because I’m traveling overseas and I have a 12 hour time difference from east coast time, so I could call almost anytime. but around what hour did you call HSBC to find out your account was verified.. and do you happen to remember which phone number you called?

        I’ll probably call sometime tomorrow or the next day. thanks!!

  36. John says:

    Does anybody know if the opening deposit counts towards the deposit requirement? I opened the choice account with $1,500 initial opening deposit. All I need to do is just waiting for the bonus, is that right? Thanks!

  37. Kris says:

    I just applied for me and my wife – 2 different checking accounts. The process was so simple. They didn’t ask for utility bills and any other proofs!!! It didn’t take more than 30 minutes for both applications combined!!??? I don’t know the reason – but this is the first time I applied for HSBC accounts.

  38. Ted says:


    I applied online.. waiting 72 hours. Called in. The agent verified everything on the application.. she then sent it to their approval department.

    I got the e-mail informing me that the checking account is approved. The e-mail has the routing number in it.

    The e-mail says to wait up to 3 days to receive my new account number by e-mail.

    I’m just wondering.. but did everybody have to wait 3 days to get the account number by info?

    Did anyone here chat with their chat agents to request their account number?


  39. SpaceWars says:

    Is it possible to do two offers, Choice Checking and Advance Checking, to receive bonuses for each account? Thanks in advance!

    • Jenny says:

      Wow! What a great idea! I may try exactly that. My Advance was funded s few days ago. Both these promos expire 11/20 as I recall.

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