Cathay Bank Review
A bank serving Asian-American communities in the U.S.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | Basic Checking | $6.00/month |
Savings: | Regular Savings | 50.00% APY |
Credit: | Visa Platinum | 1% cash back |
Mortgage: | 30 Year Fixed | 6.50% interest rate |
Fee Rating
3.3/5
Lower is better
FDIC Insured
Yes
Certificate: 18522
Digital Banking
4.0/5
Online & Mobile Experience
Branch Network
70
Physical Locations
Key Features
- Multilingual services, business banking.
Bank Information
Routing Number
122203950
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-XXX-XXXX
M-F 9-5
Headquarters
Los Angeles, CA
Years in Business
63 years (Est. 1962)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–16 chars; special char req’d
Two-Factor Authentication
SMS only
Forgot Password
Reset PasswordSecurity Features
HTTPS encryption; timeout auto‑logout
Login Instructions
Navigate to Online Banking → click “Login” → enter User ID & password
Login Help
Call customer service: 1-800-XXX-XXXX
Hours: M-F 9-5
Products & Services
Accounts & Products
Checking
Basic Checking
Monthly Fee
$6
Minimum Balance
$500
Card Type
$Debit
Minimum Deposit
$50
Overdraft Fee
$30
ATM Fee
$2
Savings
Regular Savings
APY
$50.00%
Annual Earnings
$50.00
Compounds
$Quarterly
Minimum Balance
$300
Monthly Fee
$5
Withdrawal Limit
$6/month
Credit Card
Visa Platinum
Annual Fee
$0
Cash Back
$1%
APR Range
$14.99% - 24.99%
Network
$Visa
Mortgage
30 Year Fixed
Interest Rate
$6.5%
APR
$6.65%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$1,000,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with Cathay Bank?
Visit their website to explore account options and start your application