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逆天了!汇丰开户竟然给出高达 $7,000 奖励?

&NewLine;<p>最近HSBC在美银行账户界搞了个大动作:<strong>Premier Checking 账户开户奖励<&sol;strong>,最低档存钱就有现金奖励,最高竟然能拿到&dollar;7&comma;000(对,你没看错)!<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2026&sol;01&sol;image-15&period;png" alt&equals;"" class&equals;"wp-image-44795" style&equals;"aspect-ratio&colon;1&period;8201834207615173&semi;width&colon;488px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>【奖励到底有多高?谁拿得着?】<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<p>申请链接(也可以点击文末左下角”阅读全文&OpenCurlyDoubleQuote;获取链接):https&colon;&sol;&sol;travelwithless&period;net&sol;link&sol;hsbc-premier-checking<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2026&sol;01&sol;image-16-1024x416&period;png" alt&equals;"" class&equals;"wp-image-44797" style&equals;"aspect-ratio&colon;2&period;4623219888969348&semi;width&colon;603px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>HSBC官方推广里写得非常清楚(截止到2026å¹´3月31日开户并满足要求):<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>存入并维持<br><strong>&dollar;150&comma;000–&dollar;249&comma;999<&sol;strong>&nbsp&semi;&srarr;&nbsp&semi;<strong>&dollar;1&comma;500<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>存入并维持<br><strong>&dollar;250&comma;000–&dollar;499&comma;999<&sol;strong>&nbsp&semi;&srarr;&nbsp&semi;<strong>&dollar;2&comma;500<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>存入并维持<br><strong>&dollar;500&comma;000–&dollar;999&comma;999<&sol;strong>&nbsp&semi;&srarr;&nbsp&semi;<strong>&dollar;3&comma;500<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>存入并维持<br><strong>≥ &dollar;1&comma;000&comma;000<&sol;strong>&nbsp&semi;&srarr;&nbsp&semi;<strong>&dollar;7&comma;000<&sol;strong><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>拿到奖励的时点是满足条件后继续维持规定的期间,奖励将在8月31日前付给你。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>【这个账户到底是个啥?值不值得做?】<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<p>HSBC Premier Checking 不是普通的<strong>免费Checking<&sol;strong>,它定位是&OpenCurlyDoubleQuote;高端支票账户”,特点如下:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>核心功能:<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>支票账户基本功能(消费、提款、账单支付)正常用。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>可在全球多国HSBC网点使用,并且<strong>国外ATM基本不收手续费<&sol;strong>(全球走起来更省心)。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>跨国电汇(wire transfer)接收和发送基本是免费的<&sol;strong>(对经常跨境的人非常友好)。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>可以配合其它Premier账户,比如Savings,建立更高一级关系。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>但也有&OpenCurlyDoubleQuote;高端门槛”:<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>每月常规月费是&nbsp&semi;<strong>&dollar;50<&sol;strong>。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>要<strong>避免月费<&sol;strong>就要满足这些之一:<br>• 月均资产 ≥&nbsp&semi;<strong>&dollar;100&comma;000<&sol;strong><br>• 或月&nbsp&semi;<strong>Direct Deposit ≥ &dollar;5&comma;000<&sol;strong><br>• 或有HSBC美国房贷&sol;Global Premier status(主要针对高端客户)<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>总结一句话 ——&nbsp&semi;<strong>这账户不是随便开的小银行账户<&sol;strong>,是要你真的把钱放进来才能真正&OpenCurlyDoubleQuote;无痛持有”。(奖励&plus;月费豁免条件都和存款挂钩)<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【奖励之外,坑在哪?】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>看完奖金结构,大家最关心的自然是<strong>风险和隐性成本<&sol;strong>:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>1)资金量真的大<&sol;strong><br>光最低档就要&nbsp&semi;<strong>15万刀<&sol;strong>&nbsp&semi;才有 &dollar;1&comma;500。<br>这对多数普通人来说不是小数目。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>2)月费门槛并不低<&sol;strong><br>不满足月均资产或Direct Deposit,就得交 &dollar;50&sol;月,长期下来成本不小。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>3)HSBC本身银行系统体验有争议<&sol;strong><br>不少人反映 HSBC 的<strong>网上银行流程繁琐、客服&sol;系统体验不如美国本土银行那种顺滑<&sol;strong>。<br>这种体验差异对常用日常银行服务的人来说,会是一个&OpenCurlyDoubleQuote;隐藏不爽点”。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【究竟适合谁?哪档奖励比较好?】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>说白了,这个 offer 就两种上法:<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>要么放 150k,拿 1&comma;500;<br>要么放 250k,拿 2&comma;500。<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这两档是<strong>普通人最值得考虑、也最不容易翻车的选择<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>150k &srarr; 1&comma;500<&sol;strong>:<br>适合本来就有一笔现金放着、不想折腾投资的人,基本就是&OpenCurlyDoubleQuote;顺手多拿一笔确定性收益”。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>250k &srarr; 2&comma;500<&sol;strong>:<br>奖励提升幅度正好,资金压力还在可控范围内,<strong>性价比最好的一档<&sol;strong>。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>再往上(500k、1000k),<strong>就不是为了奖励去做的账了<&sol;strong>,而是你本身就要用 HSBC、要做全球资产管理,那顺便拿个 bonus;<strong>不建议为了那几千块硬凑资金<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><&sol;p>&NewLine;

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