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  HSBC Student Checking
HSBC Student Checking
in Checking Accounts from HSBC Bank USA · Member FDIC
Claimed

HSBC Student Checking

Claimed
in Checking Accounts from HSBC Bank USA · Member FDIC
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
(Verified 08/04/2023)
Monthly Maintenance Fee $0
(Verified 08/04/2023)
Minimum Balance to Avoid Monthly Fee N/A

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 with required activities. Minimum deposit of $500 required to be eligible for a signup bonus (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 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
  • Offers a $100 bonus offer.
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • Does not earn interest
  • 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?

Yes, your deposits 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.

HSBC Student Checking Minimums
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.

HSBC Student Checking Fees
Description
Monthly Maintenance Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $35
Overdraft Item Fee $10
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $3
Check Cashing Fee $5
Debit Card Replacement Fee (Standard Delivery) $0
Early Account Closure $25

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 with required activities. Minimum deposit of $500 required to be eligible for a signup bonus (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

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.

Other Checking Accounts by HSBC Bank USA

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Monthly Maintenance Fee $0
(Verified 08/04/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $35
Overdraft Item Fee $10
Overdraft Protection Fee (per transfer) $35
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $3
Check Cashing Fee $5
Debit Card Replacement Fee (Standard Delivery) $0
Early Account Closure $25
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%
(Verified 08/04/2023)

HSBC Student Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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