HSBC Premier Checking

1. Q2 2026 New Customer Offer Terms and Conditions

Offer valid from April 1, 2026, through and including June 30, 2026 (“Offer Period”). Only New Customers are eligible for this offer.

Definitions:

• “New Customer” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.
• “New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
• “Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below.

Consumer accounts/assets that are ineligible for Qualifying Balance: 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.

Terms to Qualify for Cash Bonus:

New Customer must meet each of the following requirements to qualify for the cash bonus:

• Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND
• Meet a Qualifying Balance of $150,000 or more of New Money in deposit and/or eligible investment accounts within 20 calendar days of opening the New Account; AND
• Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month.
• Remain opted-in to receive HSBC marketing emails.

For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.

Cash Bonus Tier:

The cash bonus amount is tiered and based on the Qualifying Balance, as follows:

If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.

Additional Terms:

Offer is non-transferable and available only to individuals who are at least 18 years of age. Your New Account must be open and in good standing at time of bonus fulfillment. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.

Eligible New 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 the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. New Money cannot be applied to meet the requirements of more than one offer.

For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.

If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q2’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App³ or at us.hsbc.com/chatwithus. You can call us at 1-800-622-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.

2. HSBC Premier Relationship Requirements

To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee⁴ of $50 will be incurred if at least one of these requirements is not maintained. Refer to your “HSBC Premier Terms and Charges Disclosure” for full details.

• Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment⁵ accounts; OR
• Monthly recurring direct deposits⁶ totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
• Any 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.
• Consumers who maintain Private Bank status.⁷