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Online Banking

Savings Accounts

  •  
Unlimited 24-hour access to the Cathay Service Hotline 1-800-9CATHAY (1-800-922-8429) to obtain your loan, personal savings and/or checking account information
 
  •  
Automatic transfer service to transfer funds1 between your deposit accounts at Cathay Bank. Limitations apply.
 
  •  
Automatic loan payment service to automatically deduct your loan payment from your deposit account

Savings Account Comparison

  Student
Savings
1,2
Passbook
Savings
1,2
Statement
Savings  
1,2
Smart
Money
Market
1,2
Optima
Money
Market
1,2
Recommended if you are looking for ...
  The perfect account for children developing good savings habits. To have a basic savings program and to keep track of your finances in a passbook. To have a basic savings program and receive statements. To earn higher interest rates with higher balance tiers. To earn competitive interest rates with higher balance tiers.
Minimum Opening Deposit $10 $100 $100 $5,000 $100,000
Interest
  • Variable rate3
  • Compounds daily
  • Credits monthly
  • Variable rate3
  • Compounds daily
  • Credits monthly
  • Variable rate3
  • Compounds daily
  • Credits monthly
  • Variable tiered rate3,4
  • Compounds monthly
  • Credits monthly
  • Variable tiered rate3,4
  • Compounds monthly
  • Credits monthly
Term N/A N/A N/A N/A N/A
Minimum Daily Balance to Avoid Monthly Maintenance Fee None $500 $500 $5,000 $100,000
Monthly Maintenance Fee if Requirements not met None $3 $3 $10 $50
Statement

See below 5

See below 5 Quarterly5 Monthly Monthly
Online Banking/Mobile Banking6 Not available Not available Available at no additional cost Available at no additional cost Available at no additional cost
Other Features and Benefits
  • Unlimited teller service
  • Unlimited teller service
  • 24/7 online account access
  • Unlimited teller service
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • 24/7 online account access
  • Unlimited teller service
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs
  • 24/7 online account access
  • Unlimited teller service
  • Surcharge-Free withdrawals at Cathay Bank and other designated ATMs

1 An excess withdrawal fee of $10.00 will be charged for each item in excess of the federally regulated limitations (no more than 6 transfers per month).
2 No ATM or Debit Card service allowed for Student Savings, Passbook Savings or CD. ATM Card only for Statement Savings, Smart Money Market and Optima Money Market.
3 Fees can reduce the earnings on the account. The interest rate and Annual Percentage Yield (APY) may change after account opening without notice, at our discretion.
4 The interest rate and Annual Percentage Yield (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.
5 An account statement will be generated at the end of each month when account activity includes an electronic funds transfer (ACH or ATM activity).
6 Message 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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