小弟回国一段时间，公司的401K账户还没处理。考虑到现状最好的方法是转到traditional IRA里。 那么选择哪家开IRA想问问大家的意见。
目前考虑两家一家是ibkr 可以操作港股
一家是hsbc 因为打算开个premier 需要存100k资产 正好用ira去满足要求（5000dd还是有点麻烦）
另外小弟想问问 我那家401k管理方只能寄支票，我人又不在美国。最好方法是不是先开ira账户以后，再让401k管理方直接寄payee是我ira账户银行的title？
如下面Gemini建议的操作方法，还希望有经验的老哥指点一二。
To deposit a 401(k) rollover check into an HSBC IRA, you will need to mail the check to the correct address, as HSBC does not permit mobile deposits for IRA rollovers
. The exact steps depend on how the check was written—a critical detail that affects the tax implications and the process itself.
If the check is payable to HSBC (Direct Rollover)
This is the recommended and simplest method for rollovers, as it minimizes tax risks. The check should be payable to “HSBC Bank, FBO (Your Name)”.
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Endorse the check. Sign the back of the check.
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Add a note. To ensure the funds are properly applied to your IRA, write your HSBC IRA account number and “Rollover” on the check’s memo line.
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Mail the check. Send it to the address provided by HSBC for mail-in check deposits for investment accounts. You may want to call the HSBC Wealth Services Desk at 888-809-3802 to confirm the correct address and process for your account type.
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Confirm the transfer. After mailing, call HSBC again to confirm receipt and verify that the funds have been deposited into your IRA.