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Last Updated: 01/21/2026
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Highlights
Welcome Offer
$100(Verified 06/21/2024)
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Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 01/21/2026)
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HSBC Student Checking Review
HSBC Student Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
The 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 (see terms and conditions for more details).
- 0% APY. As with most checking accounts, HSBC Student Checking does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in HSBC Bank USA mobile or online banking.
HSBC Student checking Pros & Cons
| Pros | Cons |
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HSBC Student 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 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does HSBC Student checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 Student checking charge overdraft fees?
Yes, HSBC Student checking charges a $10 fee for every overdraft.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 between $100 up to $100 (see terms and conditions for more details).
- Fraud monitoring - HSBC Student 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 Student checking allows you to manage your money online or with a mobile app. This includes depositing checks* in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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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Message from HSBC Student checking
Hours of Operation
SundayClosedMonday10:00AM - 4:00PMTuesday10:00AM - 4:00PMWednesday10:00AM - 4:00PMThursday10:00AM - 4:00PMFriday10:00AM - 4:00PMSaturday9:00AM - 1:00PM
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HSBC Premier Checking
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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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Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$15
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$1
Disclaimer popup with additional information
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
HSBC Student Checking Community Reviews
Would you recommend HSBC Student Checking to your friends?
SH
Sama H.
Jul 11, 2023
May or may not recommend
HSBC Student Checking Accounts are great because they usually have ATMs all over campus. They don't have monthly maintenance fees, so it's good for a tight budget. It links really easily to Zelle. They also have overdraft protection.
Showing 1 of 1 reviews
