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(Negotiable Order of Withdrawal)

At Bank of China-New York, a minimum deposit of $1000 is required to open a personal NOW (Negotiable Order of Withdrawal) account, which is functionally a checking account. Interests are compounded daily and earned from the day of deposit to the day of withdrawal. Interests will be credited to the account at the end of each month. If the account’s daily available balance falls below $500, no interests will be accrued for that day. If the account is closed before interests are credited, any accrued interests for that statement period will be forfeited. A maintenance fee will be charged if the average daily balance falls below $1000 during a statement cycle. A monthly statement of all transactions will be sent to you.

Bank of China - New York reserves the right to revise minimum balances and fee structures upon notice.

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