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Digital Personal Checking

Manage your checking simply and safely online

Enjoy our Digital Personal Checking package of services with unlimited check writing, a complimentary first order of Cathay basic style checks, and our Gold debit card. With a Digital Personal Checking account, you get access to a wide selection of banking options plus advanced online features that provide more flexibility in managing your account.

Low minimum opening deposit

Open a Digital Personal Checking account with as little as $100.

24/7 online access

Get convenient access to banking accounts from your mobile, tablet or computer.

FDIC insured

Get FDIC protection on your account for up to $250,000 per depositor for each ownership category.

Flexible access

Use your debit card to make purchases anywhere VISA® is accepted, and to access funds at Cathay Bank ATMs or our surcharge-free ATM network.

Get to know Digital Personal Checking

  • The minimum opening deposit is $100.
  • $10 monthly maintenance charge, waived if you maintain a minimum daily balance of $1,000 in the account or with qualifying direct deposit of $100 or more in total each monthly statement cycle1.
  • 24/7 online account access including Bill Pay and Zelle®*.
  • Fee waived for first order of basic style checks.
  • Gold debit card.
  • Unlimited check writing.
  • Unlimited teller service.
  • Surcharge-free withdrawals at ATMs within the PULSE Select® / Money Pass® ATM network.


  1. The monthly maintenance charge will be waived for each monthly statement cycle in which one qualifying direct deposit is received of $100 or more in total. A qualifying direct deposit is an electronic deposit, which may include salary, pension, government payments (such as Social Security) made by your employer or an outside agency using the ACH (Automated Clearing House) network.

* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


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