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Debit Cards

Conveniently manage your finances

A Cathay Bank debit card is safer than cash, easier than checks and convenient to use. You can use your debit card for all of your everyday purchases and bill payments. Apply for a debit card at your local branch.

Convenient

Our debit card is accepted worldwide at millions of merchant locations that accept VISA®.

Safe and secure

If your debit card is lost or stolen and used without your permission, you’re covered by VISA’s Zero Liability Policy.1

Easy to use

Use your PIN to make purchases, or sign for transactions like a credit card anywhere VISA is accepted.

Use as an ATM card

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

Cathay Bank debit card

How it works

Your Cathay Bank debit card purchases are deducted directly from your checking account. View your transactions using Cathay Online Banking or on your monthly checking account statement. You can access your checking account statement and debit card activity via Cathay Online Banking at no additional charge.

 

Flexible spending options

You can choose non-PIN purchases and sign for transactions like a credit card anywhere VISA is accepted including grocery stores, restaurants and gas stations.

Your debit card is also your ATM card, with easy PIN access to Cathay Bank ATMs and other ATMs displaying any of the network logos shown on the back of the card. For surcharge-free access, use your card at a Cathay Bank ATM or any designated surcharge-free ATM. You can also use your PIN when making purchases at merchants.

 

Surcharge-free money back guarantee

Cathay Bank Surcharge-Free Money Back Guarantee: Surcharge-free or we will refund any fees you are charged. If you are making a transaction at a designated surcharge-fee ATM and the surcharge screen appears during your transaction, press “yes” to accept the surcharge and proceed with your withdrawal. You will not be charged the surcharge.

Some locations may have more than one ATM; not all may participate in the surcharge-free network. Please make sure to check the ATM you are using for the designated surcharge-free network logo to ensure it is the correct one.

 


  1. VISA’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use.

 

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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.