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Online Banking

Checking Accounts

  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • 24-hour access to your account information via Online Banking or by calling 1-800-9CATHAY (1-800-922-8429)
  • Automatic transfer service to transfer funds between your deposit accounts at Cathay Bank1,2
  • An easy-to-read monthly statement which lists your banking activities, and provides images of your paid checks
  • Online Banking and Bill Pay Services
  • eStatement, a secure and convenient way to review your account statments online
  • FDIC Insurance: The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category

Checking Account Comparison

Select Your Location:
  SIMPLE CHECKING COLLEGE CHECKING3 PERSONAL CHECKING CATHAY VALUEPLUS 4
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; avoid a monthly service charge by maintaining a minimum balance. Packaged banking services to help you earn higher interest and receive added benefits; monthly service charge waived with minimum account balance or combined balances.

Interest

No No No Yes; Variable Tiered Rates,4,5 higher rates for higher balances

Minimum Opening Deposit

$25 $10 $100 $2,000

Monthly Maintenance Fee

$6 None $10 $15

Balance Requirement to Avoid Monthly Maintenance Fee

N/A N/A $1,000 Minimum Daily Balance Daily minimum balance of $2,000 in the account or a combined balance of $10,000 in other consumer deposit accounts6

Online Banking, Mobile Banking7 ,
and Bill Pay Services

Available at no additional cost Available at no additional cost Available at no additional cost Available at no additional cost

eStatement

Available at no additional cost Available at no additional cost Available at no additional cost Available at no additional cost

Debit Card

Classic Classic Gold Platinum

CD Bonus Rate

No No No Ask for details

Other Features and Benefits

  • Unlimited teller service
  • Unlimited check writing
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • Unlimited teller service
  • Unlimited check writing
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • Waived all "incoming" wire fees
  • Unlimited teller service
  • Unlimited check writing
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • Fee waived for first order of Cathay Bank basic style checks
  • Unlimited teller service
  • Unlimited check writing
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • Fee waived on orders of Cathay ValuePlus style checks
  • Fee waived on travelers check and cashier's check purchases

1 Subject to limitations.
2 See account disclosure provided during account opening for important details.
3 Good for 5 years while you are in college. Must be age 18 years or older.
4 Interest rate and Annual Percentage Yield (APY) may change after account opening as often as daily without prior notice. Fees can reduce the earnings on the account.
5 The interest rate and 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.
6Combined balance does not include funds in Secured Savings accounts.
7Message and data rates may apply.
 



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1-800-9CATHAY

(1-800-922-8429)

Customer service: 6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday.

Automated information is available 24hours a day, 7 days a week.

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