What it does
Cathay Bank’s personal online banking combines transaction records, spending tools and payments. Customers can download account information or ask about a particular entry from its menu. Everyday Checking has no monthly maintenance charge when you choose electronic statements.
Keep a record or ask about a transaction
Select the account tile on Home, then use Transactions or Details. Search the history or apply filters before downloading it. Check-image icons open the front and back of a paid cheque. For a question tied to one entry, open the three dots beside its amount and choose Ask A Question.
Bill Pay schedules payments to US businesses and individuals. Internal transfers and eligible external US account transfers are also available.
Online wires
Choose Wire Transfers in online banking or the app. You can save recipient and payment details as templates, review wire history in Activity Center and receive a Fedwire confirmation number. Additional authentication applies.
Online domestic wires cost $15 each, with a $25,000 transaction maximum and two wires per customer per day. International online wires are denominated in US dollars.
Checking and access
Everyday Checking opens with $25. Its $3 monthly maintenance fee is waived with eStatements or qualifying direct deposits totaling at least $100 per statement cycle.
Digital Personal Checking opens with $100 and costs $10 monthly unless you maintain a $1,000 minimum daily balance or receive at least $100 in qualifying direct deposits per statement cycle. Its first order of basic checks is included.
The online account-opening route serves residents of California, Illinois, Maryland, Massachusetts, Nevada, New Jersey, New York, Texas and Washington. Choose your state, then Open Now and the option for a new customer, existing customer or saved application.
Strengths
- Transaction questions can be linked to the relevant entry
- Wire templates and confirmation numbers help with repeat payments
- Everyday Checking can avoid monthly maintenance with eStatements
Watch out for
- Online domestic wires have per-transfer and daily-count limits
- International online wires are denominated in US dollars
Best for
- Cathay customers reconciling payments and arranging US-dollar wires
Sources
- Cathay Personal Online Banking (Oct 27, 2026)
- Cathay Account Details: Search, Downloads and Questions (Oct 27, 2026)
- Cathay Online Wires: Templates, Confirmation and Limits (Oct 27, 2026)
- Cathay Everyday Checking Fees and Waivers (Oct 27, 2026)
- Cathay Digital Personal Checking (Oct 27, 2026)
- Cathay Online Account Opening: State Selection (Oct 27, 2026)
