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Basic Checking

Standard features with no monthly fees

Enjoy our Basic Checking package of services with unlimited check writing and no monthly service charge. Our Basic Checking accounts feature a low minimum to open, plus all the key features of a traditional personal checking account.

East Coast & Midwest availability

Basic Checking is offered in Illinois, Maryland, Massachusetts, New Jersey, and New York.

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 access funds at Cathay Bank ATMs or our surcharge-free ATM network.

Get to know Basic Checking

  • The minimum opening deposit is $10.
  • No monthly maintenance charge.
  • 24/7 online account access including Bill Pay and Cathay PeoplePayment at no charge.
  • Classic debit card.
  • Unlimited check writing.
  • Unlimited teller service.
  • Surcharge-free withdrawals at ATMs within the PULSE Select® / Money Pass® ATM network.

 

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    Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.

    Have a question?

    Our team is happy to assist you with all your Personal Banking needs. Please reach out for more information.