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Cathay ValuePlus Checking

Enjoy more account advantages

The convenience of a checking account – plus interest – with a wide range of value-added benefits. With variable tiered rates, our ValuePlus Checking accounts help you earn interest as your balance grows, plus receive select services with no fee.

Earn higher returns

Earns a variable tiered interest rate based on your balance.

Select services complimentary

Fees waived on Cathay ValuePlus style checks and cashier’s checks.

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 ValuePlus 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.
  • Automatic transfer service between deposit accounts or automatic loan payments.
  • 24/7 online account access including Bill Pay and Zelle®*.
  • 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.

Cathay ValuePlus Rates

Balance tier

Minimum opening deposit

Minimum balance to obtain
Annual Percentage Yield

Interest rate1

Annual Percentage Yield1

and over





$25,000 to





$10,000 to





$2,000 to





  1. Variable, tiered rate account, the 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 2024-07-20. Fees can reduce the earnings on the account.


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Have a question?

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