Personal Checking Account

A secure and convenient way to meet your daily financial needs. BOC U.S.A.’s personal checking accounts provide a convenient way to make deposits, withdrawals, transfer funds, write checks, and link debit cards.

KEY FEATURES

An Essential and Convenient Tool for Daily Use

Both Regular Personal Checking Accounts and Personal NOW Accounts provide a convenient way to make deposits, withdrawals, transfer funds, write checks, and link debit cards. Personal NOW Accounts are interest-bearing accounts that pay a competitive interest rate.

Comprehensive Account Features

Your debit card can be used at ATMs¹ and make POS transactions at any merchant worldwide where MasterCard® is accepted.
Checks provide an easy and convenient way to pay bills.
Supports Zelle® and Venmo transactions so customers can easily send and receive money instantly.

Online Banking

Our online banking system offers a user-friendly experience for managing accounts, conducting transactions, and paying bills is as easy as clicking a button.

Fee Advantages

No intermediary fees and incoming remittance fees².
Pay bills online with no additional service fee.
The $10 monthly maintenance fee can be waived by maintaining an average daily balance of at least $1,000.

Safe and Convenient

Access a 24-hour hotline for reporting a lost or stolen debit card and fraud monitoring to block potential fraudulent transactions. Customers can also manage their debit card transactions using the MobiMoney™ app, available on the App Store, and Google Play.

INTEREST RATES, FEES & APPLICATION REQUIREMENTS

MINIMUM DEPOSIT

ADDITIONAL INFORMATION

A minimum deposit of $1,000 is required to open a personal checking account. The balance in a Checking Account will not earn any interest. BOC USA does not allow overdrafts in the account or the honoring of your check drawn on the account against uncollected funds.

For more information about opening a Personal Checking Account, fees, charges and application requirements, contact or visit our New York and/or Queens branch.

¹BoC imposes no fee for use of its MasterCard^® Debit Card at any ATMs, however, owner of ATM may impose a service fee for ATM transactions. For additional information, please refer to the Service Charge Schedule provided to you.

²Fees may be subject to change.