FinqableLogo

CTBC Bank USA: Your Complete Guide to Products & Services

CTBC Bank is the U.S. subsidiary of CTBC Financial Holding, a leading Taiwanese banking group established in 1966. In America, CTBC operates over 20 branches—from Los Angeles to New York—offering both personal and business banking with real-time mobile tools, fraud protection, and a strong focus on customer service.

Checking Accounts

  • Online Personal Checking
  • Opens with $100 and carries no monthly maintenance fee
  • Earns 0.05% APY
  • Features: free debit card, instant issue, Bill Pay, mobile check deposit

Savings & CD Rates

  • Online Personal Savings
  • $250 minimum to open
  • Up to 3.80% APY on balances ≥ $50,000; lower tier ~1.80% APY
  • No maintenance fees or minimum balance requirement
  • Online Personal CDs
  • $5,000 minimum
  • 12 month CD offers 4.00% APY (as of March 2025)
  • Fixed rates across terms; subject to early withdrawal penalties

Mortgage & Loan Products

  • CTBC provides mortgages (purchase, refinance), home equity lines, and consumer loans
  • Business offerings include SBA loans, trade financing, real estate and construction lending

Debit & Credit Cards

  • Visa® Debit Card includes EMV chip, mobile wallet compatibility, and real time alerts
  • Rewards debit option available—with points via UChoose program
  • Credit card offerings are limited; contact branch for details

Wire Transfers

  • Domestic routing number: 122210406
  • SWIFT code: CTHCUS66
  • Global wire transfers via CTBC's network are fee waived up to $100K/month initiated online to affiliated branches
  • 24/7 online initiation; cutoff time at 2 pm PST for same day processing

ATM Access & Fees

  • Access 55,000+ Allpoint surcharge free ATMs nationwide
  • Out of network ATM fees are refunded if accidentally charged

FDIC & Tax ID

  • FDIC insured up to $250,000 per depositor/account category; CTBC holds certificate #19416
  • EIN not publicly listed; available through account documents or branch staff

Digital & Business Services

  • Mobile and online banking (balance, transfers, bill pay, alerts)
  • Business ACH (credit/debit), payment and collection tools available via business portal

Final Thoughts

CTBC Bank USA combines local, relationship-driven banking with robust online tools and competitive deposit rates. It stands out with its fee free ATM network and global wire waivers, especially useful for customers connected to CTBC’s global branches. Whether you're looking for everyday accounts, high yield savings or CDs, or international transfers, CTBC offers a trusted, modern financial experience.

Frequently Asked Questions

Is CTBC Bank USA legit and safe?

Yes—it's a well capitalized FDIC insured bank with a strong financial health rating, holding assets worth over $5 billion and a solid Texas Ratio.

What rates can I expect?

Checking: 0.05% APY Savings: up to 3.80% APY (varies by balance) 12 mo CD: 4.00% APY

Are there ATM fees?

No—Allpoint ATMs are free, and CTBC refunds mistakenly charged ATM fees.

How do international wires work?

Use SWIFT CTHCUS66, initiate online to affiliated branches (e.g., Taiwan, Hong Kong) to benefit from waived fees (up to $100K/month), cutoff at 2 pm PST.

How do I open accounts?

Online opening is available for residents in AZ, CA, NV, NJ, NY, TX, and WA—start with checking or savings, then apply for CDs if desired.

Ready to Make Smart Financial Choices?

Explore our curated resources and compare banking products to find what truly fits your needs.

Discover All Banking Insights