HSBC Student Checking
in Checking Accounts from HSBC Bank USA · Member FDIC
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| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0% |
HSBC Student Checking Review
HSBC Student Checking is offered by HSBC Bank USA, a bank founded in 1865 and based in New York, NY. HSBC Student Checking is available in 50 states (and Washington, DC).
Key Takeaways
- $100 Bonus offer. Open a new account and you can get up to $100 if you deposit a minimum of $500 (see terms and conditions for more details).
- 0% APY. As with most checking accounts, HSBC Student Checking does not pay interest.
- $0 monthly fee. This account does not charge a monthly maintenance fee.
- No minimum initial deposit. There is no minimum balance required to open an account.
- Free bill pay. Pay your bills to practically anyone in the United States through HSBC Bank USA.
- Hard credit pull. HSBC Bank USA may require a hard pull on your credit report to open a checking account.
HSBC Student Checking Pros & Cons
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HSBC Student Checking FAQ
Are checking accounts from HSBC Bank USA federally insured?
Yes, your HSBC Bank USA checking accounts are insured up to $250,000 per person 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 Student Checking offer?
HSBC Student Checking is not an interest-bearing account.
What are the account minimums for HSBC Student Checking?
HSBC Student Checking does not require a minimum initial deposit.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $0 |
What fees does HSBC Student Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Check Cashing Fee | $5 |
| Check Copy | $5 |
| Check Image Service | $3 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $0 |
| NSF Fee | $35 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $10 |
| Overdraft Protection Fee (per transfer) | $35 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $12 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $35 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $30 |
| ATM Fee: Out-of-Network | $2.50 |
What features and perks does HSBC Student Checking offer?
This account includes the following features:
- Bonus offer - Open an account and you may receive a bonus of up to $100 if you deposit a minimum of $500.
- Fraud monitoring - HSBC Student Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - HSBC Student Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Contact
- Headquarters
-
425 Fifth Avenue
New York, NY 10018 - Visit Site
Other Services by HSBC Bank USA
View all checking accounts offered by HSBC Bank USA
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Monthly Fee | $0 |
| Online Bill Pay Fee | $0 |
| Check Cashing Fee | $5 |
| Check Copy | $5 |
| Check Image Service | $3 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 3% |
| NSF Fee | $35 |
| Overdraft Item Fee | $10 |
| Overdraft Protection Fee (per transfer) | $35 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $12 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $35 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $30 |
| ATM Fee: Out-of-Network | $2.50 |
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