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Digital Personal Interest Checking

Earn more from your personal checking account

The convenience of a checking account — plus interest — with a wide range of value-added benefits. With variable tiered rates offering higher yields for higher balances, our Digital Personal Interest Checking account helps you earn interest as your balance grows, plus offers your first order of Cathay basic style checks at no charge and our Platinum debit card.

Higher Annual Percentage Yields

Earns a variable tiered interest rate based on your balance.

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.

24/7 online access

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

Get to know Digital Personal Interest Checking

  •  The minimum opening deposit is $2,000.
  • $15 monthly maintenance charge, waived if you maintain a minimum daily balance of $2,000 in the account or a combined balance of $10,000 in other consumer deposit accounts with us.
  • Availability of automatic transfer service between your Cathay Bank deposit accounts or automatic loan payments.
  • 24/7 online account access including Bill Pay and Zelle®*.
  • Fee waived for first order of basic style checks.
  • Platinum debit card.
  • Unlimited check writing.
  • Unlimited teller service.
  • Surcharge-free withdrawals at ATMs within the PULSE Select® / Money Pass® ATM network.


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


Digital Personal Interest Checking Rates

Balance tier

Minimum opening deposit

Interest rate*

Annual Percentage Yield*

Minimum balance to obtain Annual Percentage Yield

$100,000 and over





$25,000 to $99,999.99





$10,000 to $24,999.99





$2,000 to $9,999.99






*Variable, tiered rate account. Interest rate and Annual Percentage Yield (APY) may change after account opening without notice, at our discretion. The interest rate and APY paid depends 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 day. Interest Rates and APYs are current as of 2024-06-22. Fees can reduce the earnings on the account.



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