Bank of China Checking Account
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.05% - 0.30% |
| Monthly Fee |
$0 - $10 (Verified 08/08/2022) |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
Bank of China Checking Account Review
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 are 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 service fee of up to $10, but the fee is waived if you keep a minimum balance of $1,000.
- $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
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 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $500 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
| Minimum Balance to Earn APY | $500 |
What fees does Bank of China checking account charge?
This account charges a monthly service fee of up to $10.
| Description | |
|---|---|
| Monthly Fee | $0 - $10 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $0 |
| Foreign Transaction Fee (Debit Card) | 1.75% |
| NSF Fee | $20 |
| Overdraft Item Fee | $15 |
| Overdraft Protection Fee (per transfer) | $15 |
| Returned Deposit Fee (Domestic) | $10 |
| Returned Deposit Fee (International) | $10 |
| Stop Payment Fee | $20 |
| Wire Transfer Fee - Domestic (Incoming) | $25 |
| Wire Transfer Fee - Domestic (Outgoing) | $25 |
| Wire Transfer Fee - International (Incoming) | $30 |
| Wire Transfer Fee - International (Outgoing) | $30 |
| Paper Statement Fee | $7 |
| Online Bill Pay Fee | $20 |
| Check Copy | $7 |
| Debit Card Replacement Fee | $50 |
| Early Account Closure | $30 |
Does Bank of China checking account charge overdraft fees?
Yes, Bank of China checking account charges a $15 fee for every overdraft. You can get overdraft protection at a cost of $15 per transaction.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.
Contact
- Headquarters
-
410 Madison Avenue
New York, NY 10017 USA - (212) 935-3101
- Visit Site
- Email Support
Other Services by Bank of China
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Opening Deposit | Starting at $500 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,000 |
| Minimum Balance to Earn APY | $500 |
Bank of China Checking Account Community Reviews
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