Financial infrastructure
for ambitious businesses.
From your first business account to enterprise treasury management — Cathay scales with you. Fast approvals, powerful tools, dedicated support.
Built for every stage of business
Business Checking
No fees. No minimums. Free unlimited transactions. Dedicated business debit card. Online and mobile banking.
Business Savings
Earn the same high rate as personal savings. Automatic sweep from checking when balance exceeds your target.
Merchant Services
Accept credit/debit in-store, online, or on mobile. Next-day deposits. No setup or monthly fees.
Payroll Integration
Run payroll in minutes. Auto tax filing. Direct deposit, contractor payments, and compliance built in.
Invoicing & Payments
Create and send invoices, accept ACH payments, and track receivables — all inside your banking dashboard.
Business Credit Card
Issue cards to team members with individual limits. Expense reports sync automatically. No annual fee.
Multi-Account Management
Manage up to 50 accounts under one dashboard. Sub-accounts by department, project, or entity. Consolidated reporting.
Learn moreCash Management & Sweep
Automatic overnight sweeps to maximize yield. Zero-balance accounts with same-day funding from a master account.
Learn moreInternational Payments
Send wire transfers to 120+ countries in 35+ currencies. Real-time tracking. FX hedging tools available.
Learn moreFraud & Risk Controls
Dual-approval workflows, IP allowlisting, device fingerprinting, and real-time transaction monitoring with custom rules.
Learn moreAPI Banking
Connect your ERP, accounting software, or custom systems via our RESTful API. Webhooks for real-time event streaming.
Learn moreDedicated Relationship Manager
A named business banker available by phone, email, and in-app chat. Quarterly business reviews. Priority queue.
Learn moreTreasury Management
Full-suite treasury: liquidity management, working capital optimization, money market funds, and term deposits.
Contact usLetters of Credit
Standby and commercial letters of credit for domestic and international trade finance. Expert trade advisors included.
Contact usFX Hedging
Forward contracts, options, and swaps to manage currency risk. Access to OTC derivatives desk.
Contact usSyndicated Lending
Access to large credit facilities. Cathay acts as lead arranger or participant depending on deal size and structure.
Contact usCommercial Real Estate
Construction loans, permanent financing, and bridge loans for multi-family, office, retail, and industrial properties.
Contact usDedicated Enterprise Team
Named team of bankers, credit officers, and treasury specialists. SLA-backed response times and 24/7 escalation line.
Contact usReal businesses. Real results.
