Banking that
works as hard
as you do.
Cathay Bank combines institutional-grade security with the speed and clarity of modern technology. Open an account in minutes. Earn more. Pay less.
Everything you need,
nothing you don't.
From everyday checking to long-term wealth building — all under one roof, one login, one relationship.
Cathay Checking
No monthly fees. No minimum balance. Free unlimited ATM withdrawals worldwide. Your money, your terms.
High-Yield Savings
Earn 4.85% APY — 10x the national average. FDIC insured up to $250,000 per depositor.
Cathay Platinum Card
Earn 3% cash back on dining and travel, 2% on groceries, 1% everywhere else. No foreign transaction fees.
Mortgage
Competitive 30-year fixed at 6.75%. Fast pre-approval in 24 hours. Expert guidance every step.
Investment Accounts
Build long-term wealth with our robo-advisor, self-directed brokerage, and retirement accounts. No trade commissions.
Business Banking
Multi-user access, payroll integration, merchant services, and treasury management for SMBs and enterprises.
Built different,
because you deserve better.
Traditional banks were built for a different era. Cathay was built for yours — faster, fairer, and fully transparent.
Instant transfers, always
Send money in seconds between Cathay accounts. External transfers clear in hours, not days.
No foreign transaction fees
Bank everywhere in the world without surprise charges. We eat the exchange cost on most currencies.
Human support, 24/7
Real people, not bots. Call, chat, or email any time. Average response: under 90 seconds.
Bank-grade security, consumer-grade UX
256-bit encryption, biometric auth, real-time fraud monitoring — without the complexity.
Your bank in
your pocket.
Deposit checks, transfer funds, pay bills, and monitor investments — all from the Cathay mobile app. Available on iOS and Android.
Biometric Login
Face ID & Touch ID for instant, secure access
Real-Time Alerts
Instant notifications for every transaction
Instant Transfers
Send money to anyone, anywhere in seconds
Real people.
Real stories.
Trusted by millions.
"Switched from my old bank and immediately earned 10x more on my savings. The onboarding took 8 minutes. I'm not kidding."
"As a US expat in Germany, having a bank that handles both currencies without fees is genuinely life-changing. Cathay gets it."
"The mortgage process was the least stressful financial experience I've ever had. Pre-approved in 24 hours, closed in 3 weeks."