"Premier Checking" from HSBC

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The Basics

Minimum Opening Deposit
 
 $1.00
A $1.00 deposit is required to open this account.
Monthly Maintenance Fee
 
 $50.00
The Monthly Service Fee of $50.00 can be waived by maintaining a $100,000 minimum balance in combined personal deposit accounts and investment balances (business owners' commercial balances may be included).
Annual Percentage Yield (APY)
 
 0.01%
The account earns 0.01% interest on balances over $5.00.

Debit Cards & Using ATMs

Debit Card $0.00/yr
ATM Fee Reimbursements
 
 Yes
Unlimited rebates for ATM transactions outside of New York State. Rebates are credited to your account on the first day of the following statement cycle.
Non-affiliated ATM Usage Fee $0.00
International ATM Usage Fee Show Details
There is a $1.50 fee each time you use a ATM in another country. Additional international transaction charges will apply. (Amount depends on which country you visit.)

Electronic & Telephone Banking

Online Banking
 
 Free
HSBC offers "Easy View" for you to view account from HSBC and from other financial institutions. In additional, this Premier account includes "GlobalView," which allows you to transfer money between your account internationally with no fee.
Activity Download
 
 Included with Online Banking
You can download transaction history in the following formats:
- Quicken 2007 and above.
Online Bill Pay Free
Mobile & Text Banking
 
 Free
This institution supports a mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks
 
 Yes
Free orders of selected styles for the life of the account.
Monthly Paper Statements Yes
Check Images with Statements Included
Online Statements Yes
Online Check Images
 
 Yes
Images of canceled checks can be viewed online.

Overdrawing the Account

Returned Item Fee
 
 $35.00/per item
The Insufficient Funds Fee is $35.00 per overdraft.
Overdraft Protection
 
 Available
This checking account has one option for Overdraft Protection.
From a linked Overdraft Line of Credit:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.

Savings and Money Market Accounts

Premium Money Market Plus
 
 No Fee
'Premium Money Market Plus' requires $1.00 to open and $0.00 to earn interest. You must have a checking account to open this account.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.25% at $25,000.00
Direct Online Savings
 
 No Fee
This account may only be opened online.
This account earns 0.80% on all balances over 1 cent.

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