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Frequently Asked Questions - Bank Account

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    1. Is it necessary to make appointment to open an account?
      In general no appointment is required. However the waiting time will depend on the business situation at branch. Therefore prior appointment is recommended.
    1. Are there any services charges for opening a corporate account?
      Yes. For details, please refer to the Services Charges page.
    1. What is the minimum amount for opening an account ?
      The minimum amount is HKD 100 for HKD Savings Account, CNY 100 for Renminbi Savings Account and equivalent to HKD 100 for Foreign Currency Savings Account.
    1. What is the minimum amount for opening an account ?
      The minimum amount is HKD 100 for HKD Savings Account, CNY 100 for Renminbi Savings Account and equivalent to HKD 100 for Foreign Currency Savings Account.
    1. Is withdrawal of Time Deposit before maturity allowed?
      Customer may apply through branch. The Bank reserves the right NOT to pay any interest accrued if an early uplift is permitted. In addition, after deduction of relevant handling charges, the amount received by you may be less than the principle amount of your time deposit.
    1. What does the last digit of the account number of integrated accounts represent for?
      Our integrated accounts consist of several sub-accounts under a single account number. The last digit of the account number represents for different sub-accounts as follows:
      「1」represents HKD Current Account
      「2」represents HKD Statement Savings Account
      「3」represents Multi-currency Statement Savings Account
      「4」represents Time Deposit Account
      「5」represents USD Current Account
      「6」represents RMB Current Account
      「7」represents RMB Statement Savings Account

      *Above applicable for Integrated Account, “e-Age Banking” Account , Elite Club Account
    2. What is included in the total asset under management ?
      Total Asset Under Management refers to the total deposit balance and the market value of investments (e.g Funds、Bonds、Securities ) in all your personal and joint name(s) accounts at our bank.
    3. Does Integrated Account come with a passbook or statement ?
      Integrated Account provides monthly statement only but not passbook.