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Everyday Banking

For real people with their own small business

Small Business banking that puts you in control

Get everything you need to manage your day-to-day business transactions with our chequing accounts, or keep your extra cash secure and set aside funds for any future needs with our interest-earning savings account. 

Ready to get started?

Get more out of banking with HSBC Fusion

Total Relationship Balance

Get monthly fees waived on up to 5 Small Business chequing accounts when you meet the minimum Total Relationship Balance (TRB).

Flexible chequing accounts

Each small business is different – choose the chequing account that best suits your small business needs from monthly transactions to deposits.

Secure, simple mobile access

Access both your small business and personal accounts using one log on with the HSBC Fusion Canada app.

A no-fee Business Savings Account

Your small business can save and grow more with no monthly fees.

Small Business chequing accounts

HSBC Start Chequing

A low fee option for businesses just starting out.

  • $5 monthly fee 
  • Minimum TRB: $10,000
  • 10 transactions per month 
  • Deposit fees:
    ‒ Cheques: $0.20 each
    ‒ Cash: $2.50 per $1,000 deposited / month

HSBC Smart Chequing

Best for businesses that require additional transactions each month.

  • $30 monthly fee 
  • Minimum TRB: $60,000
  • 60 transactions per month 
  • Deposit fees:
    ‒ Cheques: First 45 included,
    then $0.20 each
    ‒ Cash: First $5,000 included,
    then $2.50 per $1,000 deposited / month

HSBC Unlimited Chequing

A great plan with all the benefits of the Smart Chequing account plus enjoy unlimited transactions.

  • $60 monthly fee
  • Minimum TRB: $120,000
  • Unlimited transactions per month 
  • Deposit fees:
    ‒ Cheques: First 100 included,
    then $0.20 each
    ‒ Cash: First $15,000 included,
    then $2.50 per $1,000 deposited / month

HSBC Business Savings Account

Do more with your savings: if you have additional cash you don’t require for your everyday business needs, open a High Rate Savings Account and watch your money grow:

  • $0 monthly fee 
  • No minimum balance required 
  • Easily transfer money between your chequing and savings accounts
  • $0.20 fee per cheque deposited 
  • $2.50 cash deposit fee per $1,000 deposited per month 
  • Earn on tiered, competitive interest rates

View full details regarding our products and related fees and service charges.

HSBC Fusion: empowering your business and personal banking

Get more out of banking with HSBC Fusion. Manage your small business and personal accounts in one place, with one point of contact for all your banking needs. Plus, get extra services to help you thrive at work and at home. 

Multiple ways to get you started

You may also be interested in


Earn a bonus interest rate on New Deposits to your HSBC Small Business High Rate Savings Account.


As a business credit card designed for small businesses, the HSBC BusinessVantage® Mastercard® has features tailored to suit your business needs.


It’s easy to manage your accounts with online and mobile banking. 

Issued by HSBC Bank Canada

* Terms and conditions apply

1 To be eligible for HSBC Small Business Banking, your business must be a sole proprietorship, partnership or corporation domiciled in Canada and generate an annual gross revenue below $5 million CAD. Other requirements may apply.

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