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Last Updated: 01/21/2026

HSBC Choice Checking

in Checking Accounts from HSBC Bank USA

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users recommend

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

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Monthly Service Fee

$15(Verified 01/21/2026)

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HSBC Choice Checking Review

The HSBC Choice Checking is offered by HSBC Bank USA, a bank founded in 1865 and based in New York, NY. HSBC Choice checking is available in 50 states and Washington, DC.

Key Takeaways

0% APY. As with most checking accounts, HSBC Choice Checking does not pay interest.
Charges a monthly fee. This account charges a monthly fee of $15.
No minimum initial deposit. There is no minimum balance required to open an account online.
No ATM fees. HSBC Choice Checking does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
Bill pay. Pay your bills to practically anyone in the United States when you enroll in HSBC Bank USA mobile or online banking.

HSBC Choice checking Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Higher than average wire transfer fees.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

HSBC Choice checking FAQ

Are checking accounts from HSBC Bank USA federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #57890). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does HSBC Choice checking offer?

HSBC Choice checking is not an interest-bearing account.

What are the account minimums for HSBC Choice checking?

HSBC Choice checking does not require a minimum initial deposit.

HSBC Choice Checking Minimums

Description

Minimum Opening Deposit

Starting at $0

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $1,500

What fees does HSBC Choice checking charge?

This account charges a monthly maintenance fee each statement cycle of $15.

HSBC Choice Checking Fees

Description

Monthly Service Fee

$15

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

$35

Overdraft Item Fee

Starting at $35

Early Account Closure

Starting at $25

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $0

Check Cashing Fee

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Image Service

Starting at $3

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $35

Wire Transfer Fee - International (Outgoing)

Starting at $35

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $12

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

Does HSBC Choice checking charge overdraft fees?

Yes, HSBC Choice checking charges a $35 fee for every overdraft.

What features and perks does HSBC Choice checking offer?

This account includes the following features:

Fraud monitoring - HSBC Choice checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - HSBC Choice checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.

What is the customer support email for HSBC Choice checking?

The customer support email for HSBC Choice checking is hsbcusahelp@us.hsbc.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from HSBC Choice checking

Find the HSBC checking account that's right for you! Choice Checking, Value and personalized support for day-to-day banking needs. HSBC Debit Mastercard® card with no annual or monthly service fees.

Contact

Headquarters

425 Fifth Avenue

New York, NY 10018

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

10:00AM - 4:00PM

Tuesday

10:00AM - 4:00PM

Wednesday

10:00AM - 4:00PM

Thursday

10:00AM - 4:00PM

Friday

10:00AM - 4:00PM

Saturday

9:00AM - 1:00PM

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17 reviews

Bonus Offer

Up to $5K

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.01%

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Monthly Service Fee

$0 - $50

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Visit Site

HSBC Basic Checking

Rating not yet determined

1 review

Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

Disclaimer popup with additional information

Monthly Service Fee

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+100

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Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.