Open a Qualified Business Checking Account
Enjoy exclusive benefits when you open a Commercial Analysis Checking account1,3:
- Select cash management fees waived
- Waived incoming wires and select outgoing wires
Minimum opening requirement to enjoy exclusive benefits: $25,0001
Bundle and Unlock Smart Financing Offers
Take your business further with a Smart Capital Loan or Premium Smart Capital Loan2,3:
- Rates starting at WSJ Prime +0.50%
- Up to 0.50% rate discount with autopay
- 12-month term loan amounts from $10,001 to $250,000
Why bundle?
Combine your checking and lending services to streamline your finances, maximize savings, and gain access to flexible capital—empowering your business growth.
Promotion Period: May 18 to December 31, 2026
To open an account, please speak with a Relationship Banker at your nearest Cathay Bank branch or submit the interest form below for more information.
Additional Terms:
- Offer valid for new business clients only. New business clients are defined as clients with a new business tax ID to Cathay Bank. To qualify for this offer, a new business client must open a Commercial Analysis Checking account with a minimum $25,000 deposit in New Funds. New Funds are defined as funds not currently on deposit at Cathay Bank and exclude funds from accounts closed within the previous 10 business days. Clients are allowed one (1) analysis cycle from the account opening date to deposit the required promotional funds. Up to a $20 monthly maintenance charge may be offset by earnings credit. Standard earnings credit allowance will apply if the average monthly balance falls below $25,000. Fee waivers and benefits vary by deposit tiers and will apply for six (6) analysis cycles from the account opening date. Refer to account disclosure for details.
- To qualify for either loan offers, a new business client must open a Commercial Analysis Checking account with a $25,000 minimum new funds deposit and set up the required auto-debit of the monthly payment. Loan applications must be submitted during the promotion period. Smart Capital Loan (up to $50,000 and $0 loan origination fee) and Premium Smart Capital Loan (up to $250,000 and $150 loan origination fee) are subject to credit approval and underwriting. Rates based on WSJ Prime Rate +0.50%; a 0.50% discount applies with automatic payment setup. Promotional rate valid through initial 12-month term. Opening a Commercial Analysis Checking account does not guarantee loan approval. Terms and conditions apply.
- Cathay Bank reserves the right to withdraw these offers at any time.
