Bounty
Worth it?

HSBC Premier Checking bonus: is $2,500 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$139: more than leaving it at 4.15%

With $100,000 for 120 days, the tier that adds the most.

With the bonus4.57%
Leave it where it is4.15%

Yearly rate on $100,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $100,000Best for you
    $1,500 bonus · 120 days
    +$139
  • $250,000
    $2,500 bonus · 120 days
    −$903

The math

Compared with leaving $100k at 4.15%

Bonus
+$1,500
Interest while it's there
0.01% for 4 mo
+$3
What it'd earn at home
$100,000 at 4.15% for 4 mo
−$1,364
Extra
+$139
Works out to 4.6% a year on that cash, vs 4.15% at home.

Deposit $100,000 in new money within 30 days · Keep $100,000 there until day 120. Terms checked Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $100,000 in new money within 30 days
  2. 2Keep $100,000 there until day 120
Ends
Dec 31, 2026
Where
Nationwide
Pays while it's there
0.01% a year
Monthly fee
None
Closing early
$25 within 180 days
Cash stays
About 120 days
Bonus paid
Usually within 56 days of finishing
Terms checked Oct 9, 2026The bank's offer pageTermsFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the HSBC Premier Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100,000 tier adds +$139: the $1,500 bonus plus $3 interest, minus the $1,364 that cash would have earned in 120 days. The $250,000 tier adds −$903. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $100,000 in new money within 30 days; keep $100,000 there until day 120. Open nationwide.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.