Chequing Accounts

Choose the chequing account that's right for you

Select a chequing account that's been designed to suit your day-to-day banking needs

Account name Monthly fee Preferential rates Travel insurance Account teaser Full details

HSBC Premier

SUBJECT TO ELIGIBILITY

Preferential rates
Yes

Unlimited transactions
Yes

Access to HSBC Premier Relationship Managers
Yes

Full details
Key features and benefits
  • Accounts available in Canadian and U.S. dollars
  • Unlimited transactions and access to Telephone and Internet Banking
  • Complimentary access to all HSBC ATMs in Canada and around the world, surcharge-free access to THE EXCHANGE® Network ATMs, and rebated third-party convenience fees (up to $2.00) at any other ATM in Canada1
  • HSBC Premier Debit Card
Other things you need to know
  • HSBC Premier eligibility requires you to have an active Premier chequing account and maintain a $100,000 balance in combined personal deposits and investments with HSBC Bank Canada and its subsidiaries, some exclusions apply. For full details regarding eligibility and any fees which may apply, please refer to the Personal Service Charges/Statement of Disclosure.

Chequing accounts in USD are not insured by the Canada Deposit Insurance Corporation. Learn more by visiting http://www.hsbc.ca/1/2/personal/popup/cdic.

®THE EXCHANGE. User licensed in Canada by FICANEX Services Limited partnership on behalf of Fiserv EFT.

Next steps

Like some help?

Call toll-free 1-866-233-3838

Find a branch

 

HSBC Advance

NO FEE IF MINIMUM BALANCE MAINTAINED*

Preferential rates
Yes

Unlimited
transactions
Yes

Access to expert guidance to help reach financial goals sooner

Full details
Key features and benefits
  • Manage your global HSBC accounts online on one screen with Global View2
  • Conveniently transfer money between your global HSBC accounts online with Global Transfers2 at a discounted fee
  • Free withdrawals at all HSBC ATMs in Canada
  • Free Telephone Banking and Personal Internet Banking transactions including bill payments
Other things you need to know
  • No Monthly Fee: when deposits and/or investment balances are $25,000 or more across eligible accounts, or total aggregate personal mortgage balances of $150,000 or more is held with HSBC Bank Canada
  • Monthly Fee: $25 per month, no minimum balance requirements
Next steps
View full eligibility criteria

Call us toll-free 1-888-310-4722

Find a branch

Like some help?

Contact us at 1-888-310-4722 if you have any questions about your application


 

Performance Chequing-Unlimited

INTERNATIONAL ACCESS
Yes

MONTHLY FEE: $14.95

Unlimited transactions
Yes

CANADIAN OR US FUNDS
Yes

Full details
Key feature
  • Unlimited transactions for one flat monthly fee3
Choose Performance Chequing-Unlimited if you…
  • Would like a convenient chequing account
  • Prefer to have all your everyday transactions covered in one monthly fee
  • Are a full-time secondary or post-secondary student and would like to benefit from a discounted monthly fee of only $4.00 (Canadian Dollar only)4
  • Are 60 years of age or older, in which you will be exempt from the monthly fee5 (Canadian Dollar only)

Need help?

Call us toll-free 1-888-310-4722

Find a branch

 

Performance Chequing-Limited

INTERNATIONAL ACCESS
Yes

MONTHLY FEE: $4.00

FIRST 14 TRANSACTIONS: FREE
Yes

CANADIAN OR US FUNDS
Yes

Full details
Key features and benefits
  • Includes 14 free monthly transactions
  • No monthly fee for youth, students, seniors or Registered Disability Savings Plan (RDSP) beneficiaries (click on Full Details)
  • Low $4.00 monthly admin fee3
Choose Performance Chequing-Limited if you…
  • Are looking for a regular low-cost chequing account
  • Make few monthly transactions
  • Are a youth, student, senior or RDSP beneficiary

Need help?

Call us toll-free 1-888-310-4722

Find a branch

 

Overdraft Protection

Peace of mind

Flexibility

Readily available funds

Convenient repayment

Full details
Key features and benefits
  • Overdraft Protection covers withdrawals from your account (up to the approved limit and subject to credit approval) when you don’t have sufficient funds in your chequing account – this includes pre-authorized debits (including mortgage, insurance and car payments), bill payments, ABM withdrawals, Interact® e-transfers and Point of Sale purchases.
  • Enjoy peace of mind knowing funds (up to the approved limit) are available for emergencies and unexpected expenses.
  • HSBC Overdraft Protection saves you the potential inconvenience of a temporary cash shortfall by having funds (up to the approved limit) readily available.
  • Once it’s added to your account you do not need to take any action in order for it to work.

®Interac. Trade-mark of Interac Inc. HSBC Bank Canada authorized user of the trade-mark.

Need help?

Call toll-free
1-866-609-4722


Find a branch

 

Account Reconciliation Work Sheet

Balance your bank statement
with this downloadable work sheet

Download
Use this work sheet to balance your bank statement:
  • Download, print and fill in the blanks
  • Follow the instructions on the form to see if your statement balances with your cheque record

Need help?

Call us toll-free 1-888-310-4722

Find a branch

HSBC Premier
A personalized world-class banking solution that provides unlimited day-to-day banking and exclusive benefits.

Learn more

HSBC Advance
Simplified everyday banking and easy access to your funds when you need them.

Learn more

New to Canada
Products, services and advice to help you settle in Canada.
 

Learn more

*HSBC Advance requires you to have an active HSBC Advance chequing account and:

• maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $25,000, or
• hold personal HSBC mortgage balances of $150,000 or greater.

Some exclusions apply. A monthly fee of $25 may be charged if you do not meet these minimum balance requirements (fee may change from time to time). For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca.

1Some banks charge an additional convenience fee to use their ATMs which is not included in your HSBC Package account.

2Global View and Global Transfers are not available in all countries and territories where HSBC Premier and HSBC Advance is offered. Certain services offered by members of HSBC in Canada may be restricted or unavailable if you move to another jurisdiction or are in another jurisdiction due to the local laws of that jurisdiction. HSBC Group may, however, be able to provide similar services through its members in that jurisdiction. A full list of available countries and a demo can be viewed online.

3Covers account related activity fees. Sundry services are subject to regular fees as outlined in the Personal Service Charges/Statement of Disclosure brochure.

4Student discount is available to customers age 18 years or older with proof of enrollment in a full-time secondary or post-secondary education program. The discount is effective starting from the date we confirm your enrollment until the graduation date you tell us. If your graduation date changes, please let us know to ensure your discount continues. Additional fees paid before proof of enrollment is confirmed may not be refunded.

5Seniors discount is available to customers age 60 years or older. When you turn 60, please let us know. You will get the Senior Discount only after you let us know you are over 60 and provide proof of age. Fees paid before proof of age is confirmed may not be refunded.

Rates are subject to change without notice. For more information and to confirm most recent rates, please contact any HSBC branch.

Canadian Deposit Insurance Corporation
Some HSBC accounts and deposit products up to certain dollar amounts are eligible for insurance under the Canada Deposit Insurance Corporation Act (CDIC). Learn more about CDIC and how CDIC Deposit Insurance works:
• Visit http://www.cdic.ca/home/Pages/default.aspx
• Read "Protecting Your Deposits." Visit CDIC to download a copy.
Please note some products, such as foreign currency accounts, are not eligible for CDIC Deposit Insurance.

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HSBC Advance is available for:

  • No monthly fee if you have $25,000 or more in personal deposits and/or investments with HSBC Bank Canada or its subsidiaries, or obtain total aggregate personal mortgage balances of $150,000 or more with HSBC Bank Canada
  • OR for a monthly fee of $25 if the minimum balance requirements are not met

Eligible Accounts

Eligible deposit and investment accounts include: Chequing, Savings, Tax-Free Savings, Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), and investments with HSBC Bank Canada, HSBC Global Asset Management (Canada) Limited, HSBC Investment Funds (Canada) Inc. and/or HSBC InvestDirect.

Non-mortgage loans secured by an equity power mortgage, such as lines of credit, are not included.