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Bank of China Checking Account

in Checking Accounts

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Bank of China Checking Account

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in Checking Accounts

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Overview

Where does Bank of China Checking Account do business?

Bank of China Checking Account is based in New York, NY. It was founded in 1912 and offers checking accounts services in 50 states (and Washington, DC).

Bank of China Checking Account is not a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are not covered by the FDIC if Bank of China Checking Account were to fall into financial difficulties.

What APY does Bank of China offer?

Bank of China Checking Account offers an APY starting at 0.05% and ranging up to .30% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $500.

What features and perks does Bank of China Checking Account offer?

This account includes the following features:

  • Mobile Banking - Bank of China Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank.

What fees does Bank of China Checking Account charge?

This account charges a monthly maintenance fee of up to $20.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Incoming domestic bank transfers come with a $25 fee.
  • Outoing international bank transfers come with a $30 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $30 fee.
  • Bank of China Checking Account charges a $30 fee for an early account closure. Contact Bank of China Checking Account for more details on what is considered an early closure.
  • Bank of China Checking Account charges $7 every time you request a paper statement.
  • Every returned deposit incurs in a $7 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

APY Minimum Balance
$500
Minimum Initial Deposit
$500
Minimum Balance to Avoid Monthly Fee
$1,000
No Fees
ATM Fee: In-Network
$0
ATM Fee: Out-of-Network
$0
List of Fees
Monthly Fee
$0 - $20
Paper Statement Fee
$7
NSF Fee
$20
Overdraft Protection Fee (per transfer)
$15
Overdraft Item Fee
$15
Early Account Closure
$30
Returned Deposit Fee (Domestic)
$10
Debit Card Replacement Fee
$50
Online Bill Pay Fee
$20
Stop Payment Fee
$20
Check Copy
$7
Foreign Transaction Fee (Debit Card)
1.75%
Wire Transfer Fee - Domestic (Outgoing)
$25
Wire Transfer Fee - International (Outgoing)
$30
Wire Transfer Fee - International (Incoming)
$30
Returned Deposit Fee (International)
$10
Wire Transfer Fee - Domestic (Incoming)
$25
Bank Account Features
  • Debit Card
  • Mobile Banking
Percentage
APY
0.05% - 0.3%
    0% 5%

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