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Personal Checking Account

Professional services, competitive interest rates and easy access to your funds.

Tailored to your
banking needs

BOC U.S.A. offers a wide range of accounts including checking accounts, savings accounts, money market accounts, and certificates of deposit that are tailored to your banking needs. Dedicated to making our customers our first priority, we provide you with the support needed to reach your financial goals.

How to Enroll

CURRENT PROMOTIONS

SPECIAL OFFER

Earn $200 cash when you open a new Personal Checking Account

See Offer Details

KEY FEATURES

USD & RMB Deposits, MasterCard Debit Card, Convenient Wire Transfer, Online Banking and Bill Payment, and Safe Deposit Services

Conveniently make deposits, withdrawals, and fund transfers, write checks and link debit cards.

The Regular Personal Checking Account does not pay interest.

You can withdraw cash from ATMs and make POS transactions at any merchant worldwide where MasterCard is accepted.

HOW TO APPLY

Need help?

Customer Service  [email protected]

What you need:
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Who can apply?
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Additional Information
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FAQ

How do I report that my card has been lost or stolen?

Please contact the bank during the business hours or call card center at 1-800-528-2273, 24 hours a day, 7 days a week.
 

How do I order checks?

You can order checks online. You can also call us at 212-935-3101 / 212-925-2355 or visit our branches to order checks.

How do I make a payment?

Sign in to online banking and choose "Bill Pay" in the navigation menu. If you have a debit card with us and you’re paying an individual rather than a business, consider using Zelle® or Venmo by registering with your BOC debit card.  
 

How do I transfer money online?

Sign in to your online banking account and choose "Transfer Money" under "Transfer and Remittance" on the navigation menu. You can transfer money to your own linked account or to others’ BOC accounts. You can do a one-time transfer or set up a customized repeating transfer.

What account alerts are available to me?

You can receive alerts via email or text message when there is a new device logged into your online banking account, for an upcoming scheduled payment, when a statement is available, or to get your account balance.  Standard carrier charges may apply for receiving a text message.

How do I find my full account number?

Sign into your online banking account and find your account number online by going to Account Overview and clicking "Full Account Number".

Where do I find my account transactions?

Sign into your online banking account and find your recent transactions in the “Account Activity” page. You can also use the “Search Transaction” filters to view your transactions by type, date and amount.

How can I activate my debit card?

Once you receive your debit card and PIN, you can either call 1-800-216-4223 or use an ATM to activate the debit card. Please do not attempt to activate your card until you receive your PIN in a separate mail.