Money不需要放在Checking里，可以存储的方式
a. Premier Relationship Savings， 每个月有5K DD的情况下，savings可以在当月开始享受4%的利率,首推这种方式
b. Self-Directed Brokerage，做投资，可以享受更高的收益。缺点，开户要几天，大约申请后2个工作日会发邮件上传photo ID 和permanent address document，其中永久地址证明可以在开投资账户前联系客服将中国地址改为美国地址，即时生效，两天后会approve application，如果开户前还是中国地址，需重新提交申请，再花两三个工作日审批。投资交易会有很多费用，比如Direct, online brokerage trading of Equities and ETFs at a fee of only $10.99 per trade. For other products, please refer to the HSBC Securities Commission and Fee Schedule。买国债需要找客服，也有各种fee。
c. CD。 目前有New money CD, 4.x% APY。路径一，把钱先转到HSBC Checking，最好十天内找电话客服开new money CD, 目前最少9个月.路径二（Online开new money CD，直接从external account转钱，需要3-5个工作日到达CD account, 会按照申请日期计算fund进入CD的日子，但会按照Post到CD的日期考量是否满足checking 哪个20天的要求，最好提前一周以上开CD，如果没有足够资金，可能external bank有overdraft fee， 这个需要DP）
“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. Consumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. Consumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.
