Banking that puts
you first.
Free accounts. Industry-leading rates. No gotchas. Built for how people actually live and spend money.
Every account comes with:
Full-featured mobile app
iOS and Android. Mobile check deposit, instant push alerts, biometric login, and card controls.
Free ATM access worldwide
Use any ATM globally. We reimburse all third-party ATM fees, up to $20/month on standard and unlimited on premium.
Real-time fraud monitoring
AI-powered transaction analysis flags suspicious activity and alerts you immediately. Freeze your card in the app instantly.
Instant transfers
Send money to other Cathay customers instantly. ACH same-business-day. Wires processed in 2 hours.
Spending insights & budgets
Automatic transaction categorization, monthly spending reports, and customizable budget alerts.
24/7 human support
Call, chat, or email. Real people. Average response time under 90 seconds day or night.
High-Yield Savings
Built for real life
Find your perfect account
| Feature | Cathay Checking | High-Yield Savings | Money Market | 12-Mo CD |
|---|---|---|---|---|
| Monthly Fee | $0 | $0 | $0 | $0 |
| Minimum Balance | $0 | $0 | $2,500 | $1,000 |
| APY | 0.50% | 4.85% | 4.50% | 5.10% |
| FDIC Insurance | $250K | $250K | $250K | $250K |
| Debit Card | ||||
| Check Writing | ||||
| ATM Fee Reimbursement | Unlimited | Up to $20/mo | ||
| Zelle® Transfers | ||||
| Overdraft Protection | $0 fee | $0 fee | ||
| Mobile Deposit | ||||
| Early Direct Deposit | Up to 2 days early | |||
| Open with | Open | Open | Open | Open |
Transparent pricing
We don't believe in hidden fees. Here's every charge we could possibly make — most of which are $0.