Checking Account

Keep your spending in check
with a convenient form of payment

With our low minimum deposits requirement, it’s easy to open a HKD, USD or RMB Checking Account. Our Renminbi Checking Account enables you to issue checks in Guangdong Province, including Shenzhen.

Hong Kong Dollar Checking Account

US Dollar Checking Account

  • Minimum opening deposit of USD500
  • Monthly statement detailing all account activities

Renminbi Checking Account

  • Minimum opening deposit of RMB1,000
  • Free to issue RMB checks in Hong Kong
  • Checks issued in Guangdong Province (including Shenzhen) have to be for payment of consumer expenses and should not exceed the aggregate amount of RMB 80,000 per account per day *
  • Monthly statement detailing all account activities

    * Applicable to Hong Kong Identity Card holders only


RMB Currency Risk
RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

Currency switching
Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly.