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HSBC Student Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

HSBC Student Checking Review

HSBC Student Checking is offered by HSBC Bank USA, founded in 1865 and based in New York, NY. HSBC Student Checking is available in 51 states across the USA.

Key Takeaways
  • Up to $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.
  • No minimum initial deposit. There is no minimum balance required to open an account.
HSBC Student checking Pros & Cons
Pros Cons
  • Offers a $100 bonus offer.
  • Available in all 50 states.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
HSBC Student checking FAQ

Are checking accounts from HSBC Bank USA federally insured?

No, your HSBC Bank USA checking accounts are not insured by a federal insurance agency. This means that if HSBC Bank USA were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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.

HSBC Student Checking Minimums
Description
Minimum Opening Deposit Starting at $0

What fees does HSBC Student checking charge?

This account charges a monthly service fee of $0.

HSBC Student Checking Fees
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 Starting at $2.50

Does HSBC Student checking charge overdraft fees?

Yes, HSBC Student checking charges a $10 fee for every overdraft.

HSBC Student checking offers overdraft protection at a cost of $35 per transaction.

What features and perks does HSBC Student checking offer?

This account includes the following features:

  • $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).

What is the customer support email for HSBC Student checking?

The customer support email for HSBC Student 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 Bank USA

Find the HSBC checking account that's right for you! Student Checking Offer – Choice Checking College checking – the smart way! Simple everyday banking transactions. An online-only, high yield personal savings account. Unlimited access to interactive online tools which provide valuable information to help guide financial decisions.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
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 Starting at $2.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Student Checking Account
Signup Bonus $100
Signup Deposit Requirement $500
APY (Annual Percentage Yield) 0%

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