Top of main content

Get one of the best chequing accounts in Canada

Get one of the best chequing accounts in Canada

At HSBC, we can help you worry less and save more. With our chequing accounts you can pay $0 monthly banking fees* if you maintain a minimum balance7.

How is this different than most other banks?

We give you the flexibility, to put your minimum balance into any account like an RRSP, TFSAs, Savings and more.

So your money is not just sitting in a chequing account, you can give your money a chance to earn you money while you pay no monthly banking fees on your account.

The choice is yours.  Bank on your terms with our HSBC Chequing accounts.

Choose the bank account for you

HSBC Premier Debit card

HSBC Premier Chequing Account

A family bank account like no other - for you and your family - including priority service, exclusive privileges and global support.


Account Features

 

  • No monthly fee chequing account with unlimited transactions (available in CAD & USD) when eligibility criteria is met.
  • A dedicated Premier Relationship Manager as your one point of contact for all your banking needs. 
  • Preferential rates and pricing on other banking services, investments, and lending products.
  • HSBC Premier status in all countries where you bank with us, with free international account opening and emergency cash2 withdrawal at any HSBC branch worldwide.
  • Unlimited rebates on ATM fees3 when you use non-HSBC or non-EXCHANGE® NETWORK ATMs in Canada.
HSBC Advance Debit card

HSBC Advance Chequing Account

A flexible, all-inclusive chequing account that allows you to bank on your terms.

 

 

Account Features

 

  • No monthly fees1 for first 6 months and later when you deposit $5,000 minimum balance in any combination towards any product of your choice, including chequing, savings, RRSPs, TFSAs and more.
  • Unlimited account transactions including Free INTERAC e-Transfers®.
  • Free ATM withdrawals from HSBC ATMS or EXCHANGE® Network ATMs (over 3,500 locations across Canada). 
  • 5 monthly ATM-Withdrawal-fee rebates from other bank ATMs in Canada4.

Use your mobile device for a quicker application process. Scan your ID and take a selfie without visiting the branch.

HSBC Debit card

HSBC Student Chequing Account

An unlimited chequing account designed for today’s student.

 

 

Account Features

 

  • No monthly chequing fees for up to 5 years1.
  • No monthly minimum balance.
  • Overdraft5.
  • Access to a low annual fee credit card6
  • Unlimited account transactions including Free INTERAC e-Transfers®.
  • Free ATM withdrawals from HSBC ATMS or EXCHANGE® Network ATMs (over 3,500 locations across Canada).

Why HSBC?

$0 Monthly Chequing Account Fee1

 

Pay no monthly Chequing Account fee1, upon meeting the eligibility criteria, and get unlimited day-to-day banking.

INTERAC Flash®7 (tap)

 

Pay without having to swipe or insert your card. INTERAC ®7 is quick and secure, plus it enables you to tap for transactions of $250 or less (without entering your PIN).

Simple and Secure Online Banking

 

View online statements, pay bills securely, manage cheques online, set up account alerts, invest in RRSPs online and much more.

Overdraft Protection5

 

Get coverage for occasional shortfalls in your HSBC Chequing account5 to fulfill your financial commitments up to your approved overdraft limit.

Other ways to get started

Need to talk to us? 

Call 1-877-829-HSBC (4722)

Come visit us

Find a branch near you

Issued by HSBC Bank Canada

* Conditions apply, view eligibility criteria.

1 Eligibility requirements apply. HSBC Premier requires you to have an active HSBC Premier chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $100,000 or greater, or hold a personal HSBC Bank Canada residential mortgage with original amount of $500,000 or greater, or have income deposits of $6,500 within a calendar month plus confirmation of $100,000 or more in assets under management in Canada. A monthly fee of $34.95 will be charged if you do not meet at least one of the eligibility criteria above six months after account opening. 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/servicecharge.

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 $5,000 or hold personal HSBC Bank Canada residential mortgage balances of $150,000 or greater. Some exclusions apply. A monthly fee of $25.00 will be charged if you do not meet at least one of the eligibility criteria above six months after account opening. 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/servicecharge.

For full details regarding fees which may apply to HSBC Student Chequing Account or HSBC Youth Savings Account, please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca/servicecharge.

2 Proper identification and/or additional verification is required for emergency card replacement and emergency encashment. Emergency cash received will be deducted from the HSBC account specified by the client during the request. Some countries may have additional requirements and restrictions.

3 Debit card fees for withdrawals at Canadian ATMs – No HSBC Bank Canada charge, unlimited number of rebates ($2.00 each) on surcharges you pay at other banks. Debit card fees for withdrawals at Canadian ATMs – No HSBC Bank Canada charge. 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/servicecharge.

Debit card fees for withdrawals at Canadian ATMs – No HSBC Bank Canada charge. Five rebates ($2.00 each) per customer on surcharges you pay at other banks per month. Debit card fees for withdrawals at Canadian ATMs – $5.00. 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/servicecharge.

5 In addition to the Overdraft fees which are set out in the Credit Agreement - Line of Credit or Overdraft, HSBC Chequing account service charges apply. Details of applicable service charges can be found in the Personal Service Charges/Statement of Disclosure. Terms and conditions of the Credit Agreement – Line of Credit or Overdraft and Personal Banking Agreement apply. HSBC Overdraft Protection is subject to standard credit approval.

6 HSBC Mastercard is subject to standard HSBC credit review and approval. HSBC Advance Mastercard®is available to HSBC Advance customers. HSBC Premier Mastercard® is available to HSBC Premier customers. HSBC Premier World Elite® Mastercard® is available to HSBC Premier customers with a minimum annual gross personal income of $80,000 or a minimum annual gross household income of $150,000 or a minimum of $400,000 in assets under management (based on liquid, investable assets with financial institutions in Canada).

®7 HSBC Bank Canada authorized user of the marks.

®Trade-mark of Interac Inc. Used under license

®THE EXCHANGE and Accel logos are registered trademarks of Fiserv, Inc., licensed for use in Canada by FICANEX Services Limited Partnership

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.