| SIMPLE CHECKING |
COLLEGE CHECKING 1 |
PERSONAL CHECKING |
CATHAY VALUEPLUS |
| Recommended if you are looking for ... |
|
A "Basic Banking" package of services with unlimited check writing and a flat monthly service charge |
The perfect account for college-aged students needing easy access to manage finances |
A basic package of banking services with unlimited check writing and you plan to use your account
balance to avoid a monthly service charge |
Using combined balances to earn higher interest and avoid a monthly service charge, and receive
extra money saving benefits |
| Pays Interest |
| No |
No |
No |
Yes - Variable Tiered Rates 2, 3, higher rates for higher balances |
| Minimum Opening Deposit |
| $25 |
$10 |
$100 |
$2,000 |
| Monthly Maintenance Fee |
| $6 |
$10
Waived if parents have banking relationship with Cathay Bank |
$10 |
$15
Waived with $10,000 combined balance in all your consumer deposit accounts |
| Minimum Daily Balance to avoid monthly Maintenance Fee |
| N/A |
N/A |
$1,000 |
$2,000 |
| Free Printed Checks |
| No |
No |
First order of Cathay Bank basic style checks |
Yes; Cathay ValuePlus style checks |
| Online Banking |
| Free Access |
Free Access |
Free Access |
Free Access |
| BillPay |
| $5.95 |
Free |
Free |
Free |
| Debit Card |
| Classic |
Classic |
Gold |
Platinum |
| CD Bonus Rate |
| No |
No |
No |
Ask for details |
| Loan Discount 4 |
| No |
No |
No |
Ask for details |
| Travelers Checks |
| 1% of amount purchased |
1% of amount purchased |
1% of amount purchased |
Fee Free |
| Official Checks |
| $6 each |
$6 each |
$6 each |
Fee Free |
| Other Features and Benefits |
| • |
24/7 access to account via on-line |
| • |
Unlimited Teller Service |
| • |
Unlimited check writing |
| • |
Surcharge-Free withdrawals at Cathay Bank and STARsf® ATMs |
|
| • |
24/7 access to account via on-line |
| • |
Good for 5 years while you are in college |
| • |
Unlimited Teller Service |
| • |
Unlimited check writing |
| • |
Surcharge-Free withdrawals at Cathay Bank and STARsf® ATMs |
|
| • |
24/7 access to account via on-line |
| • |
Unlimited Teller Service |
| • |
Unlimited check writing |
| • |
Surcharge-Free withdrawals at Cathay Bank and STARsf® ATMs |
|
| • |
24/7 access to account via on-line |
| • |
Unlimited Teller Service |
| • |
Unlimited check writing |
| • |
Surcharge-Free withdrawals at Cathay Bank and STARsf® ATMs |
|
| 1. |
Good for 5 years while you are in college. Must be age 18 years or older. |
| 2. |
Interest rates may change as often as daily without prior notice. Fees can reduce
the earnings on the account. |
| 3. |
The interest rate and Annual Percentage Yield (APY) paid depend on the balance
tier into which the account's end-of-day balance falls. The interest rate that corresponds to the balance tier is
paid on the full collected balance in the account at the end of the day. |
| 4. |
Subject to credit approval. |
|
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