Checking

Every business handles its finances differently. At Cathay Bank, we offer a range of checking options as unique as your business, providing you with the flexibility, control and convenience to run your business with confidence.

In addition to benefiting from the expertise of your relationship banker, you will enjoy the following features with all our business checking accounts:

24/7 business banking

Manage your finances easily anytime, anywhere with online and mobile banking options.

Easy account access

View account activity, transfer funds, and manage your financial data.

Business bill pay

Ensure payments are made on time with our convenient online bill pay.

FDIC insured

Get FDIC protection on your account for up to $250,000 per depositor for each ownership category.

Features	Advanced Business Checking	Commercial Analysis Checking	Business Interest Checking
Designed for	Businesses with moderate transaction volume, using combined balances to avoid a monthly maintenance charge	Businesses with high transaction volume and a need for treasury management services; allowance can be used to offset monthly maintenance charge	Sole proprietors or nonprofit organizations with low transaction volume; offers a competitive and variable interest rate
Minimum to Open	$3,000	$200	$1,000
Monthly Maintenance Charge	$15¹	$20, may be offset by an earnings credit^{1, 2}	$15¹
Balance to Avoid Monthly Maintenance Charge	$3,000 OR combined balance of $25,000 in business money market or business savings accounts	Earnings allowance on the available balance can be used to offset charges for maintenance	$1,000 OR combined balance of $10,000 in business money market or business savings accounts

Monthly activity fees may also apply.
A discounted monthly Maintenance Charge of $17.00 applies to all accounts if the number of accounts is 6 to 10. A discounted monthly maintenance charge of $15.00 applies to all accounts if the number of accounts is 11 or more.