Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Rewards
N/A
APY (Annual Percentage Yield)
0.05% - .30%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0 - $10(Verified 01/21/2026)
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Bank of China Checking Account Review
The Bank of China Checking Account is offered by Bank of China, a bank founded in 1912 and based in New York, NY. Bank of China checking account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Bank of China Checking Account has an annual percentage yield of up to .30%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $500.
- Charges a monthly fee. This account charges a monthly fee of up to $10, but the fee may be waived if you keep a minimum balance of$1,000.
- $500 minimum opening deposit. This is a typical minimum initial deposit.
Bank of China checking account Pros & Cons
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Bank of China checking account FAQ
Are checking accounts from Bank of China federally insured?
Yes, your Bank of China checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Bank of China checking account 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 an average beginning day balance of at least $500.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - .30% |
What are the account minimums for Bank of China checking account?
Bank of China checking account requires a minimum initial deposit of $500.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Bank of China checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $10.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bank of China checking account charge overdraft fees?
Yes, Bank of China checking account charges a $15 fee for every overdraft.What features and perks does Bank of China checking account offer?
This account includes the following features:
- Mobile Banking Services - Bank of China checking account allows you to manage your money online or with a mobile app.
What is the customer support email for Bank of China checking account?
The customer support email for Bank of China checking account is contactus@bocusa.com.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
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Bank of China Checking Account Community Reviews
Would you recommend Bank of China Checking Account to your friends?
George B.
Oct 27, 2023
May or may not recommend
I opened my Bank of China checking account with a $2000 initial deposit, a requirement that enables me to collect interest and exempts me from monthly fees. With the added convenience of Bank of China's mobile banking feature, I can easily keep track of my funds, making financial management a breeze. Moreover, this account's accessibility spans across all 50 states, ensuring that I have a reliable financial partner wherever I ...Show More
U
Anonymous
Aug 20, 2020
May or may not recommend
I opened my account with $1,000. Due to this, I’m able to collect interest, and I don’t have to pay a monthly fee. Bank of China has a mobile feature, so I’m able to keep track of my funds. Also, the services are available for all 50 states.
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