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Personal Checking

More ways to manage your finances

Enjoy our Personal Checking package of services with unlimited check writing, a complimentary first order of Cathay basic checks, and a higher debit card limit. With a Personal Checking account, you get access to a selection of unlimited banking options plus advanced online features that provide more flexibility in managing your account.

Low minimum opening deposit

Open a Personal Checking account with as little as $100.

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 Personal Checking

  • The minimum opening deposit is $100.
  • $10 monthly maintenance charge, waived if you maintain a minimum daily balance of $1,000 in the account or with qualifying direct deposit of $100 or more in total each monthly statement cycle1.
  • 24/7 online account access including Bill Pay and Zelle®*.
  • Gold debit card.
  • Unlimited check writing.
  • Unlimited teller service.
  • Surcharge-free withdrawals at ATMs within the PULSE Select® / Money Pass® ATM network.

  1. The monthly maintenance charge will be waived for each monthly statement cycle in which one qualifying direct deposit is received of $100 or more in total. A qualifying direct deposit is an electronic deposit, which may include salary, pension, government payments (such as Social Security) made by your employer or an outside agency using the ACH (Automated Clearing House) network.

*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Cathay Bank

Email communication is not secure

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.