I was pretty dismayed to hear this. I am a "Premier" client, but only qualify via the direct deposit amount and not balance. Honestly, I am a pretty horrible customer because I just use HSBC as a depot to receive my payroll and then use free wires to get the money wherever it needs to go. It is pretty difficult to find a financial institution that offers unlimited free wires and does not ask a ton of questions to approve them. My wife's account was somehow marked as "Jade" at some point but had a similar form of operation, never holding a large balance.