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Online Personal CD
TypeMinimum OpeningAPY*
12 Month CD $5,000.00 0.60%
Open an account

 

*Annual Percentage Yield (APY) is accurate as of 04/01/2021. Account is subject to early withdrawal penalty. Fees could reduce earnings. The Bank may change or cancel this offer at any time without notice. To obtain the APY, account must be opened via CTBC Online Banking. Offer does not apply to an account opened at a CTBC branch location. Additional terms and conditions may apply.

Not A CTBC Customer? 

Here are some tips for you to open your Online Personal CD account quickly.

  1. Open a CTBC Online Personal Checking account.
  2. Ensure that your funds are available in your CTBC Online Personal Checking account.  The full amount must available at the time you start your Online Personal CD application.
  3. Complete the Online Personal CD application and transfer the funds from your CTBC Online Personal Checking account to your new Online Personal CD account.
  4. Enjoy the fixed interest rate.

Open a CTBC Online Personal Checking Account Contact Us

Online Personal CD Account FAQs

• What is the minimum account balance to open my account?
The minimum account opening balance to open a CTBC Online Personal CD Account is $5,000.
• How can I fund my Online Personal CD Account?
• Deposit at a local CTBC branch
• Incoming Wire Transfer (a service charge applies)
• Phone Transfers for existing CTBC Bank customer.
• Send a check by U.S. mail (we don’t accept cash). The check must be payable to you and endorsed with your name and indicate "For Deposit Only to CTBC Bank" and your account number. Mail to:
        CTBC Bank – VB Customer Support
        56 E. Duarte Rd. Unit 108
        Arcadia, CA 91006
• Can I make additional deposits to my CD?
Additional deposits cannot be made during the term of any CD. However, once your CD matures, you can deposit additional funds once during the grace period.
• Can I find my CD maturity date online?
Yes. Click here to log into your account. Once logged in, select your CD Account on the “Account Summary” page. Your maturity date will be displayed in the CD account details.
• What happens when my CD matures?

We will send you a notification 30 days before your CD matures. When your CD matures, you may make a deposit or withdrawal and change the term of your CD during the grace period. The grace period lasts for 10 days immediately following the maturity date. Your CD will automatically renew if you don't take any action during the grace period and interest withdrawn on the account will not affect the grace period. Any term change, deposit, or withdrawal of principal during the grace period will end the grace period. In some cases, the Early Withdrawal Penalty may reduce the principal in the CD.
• What fees and services charge are associated with my Online CD account?
Please refer to the Schedule of Fee provided with the Truth in Savings Disclosures in your Welcome Package or contact Customer Service at 1-888-889-9369.
• When will I start earning interest on new Online Personal CD Account?
Once an Account is opened, interest begins to accrue on a deposit on the Business Day we receive your deposit.
• How is interest on my Online Personal CD calculated?
Interesting is compounded daily and credited to your account monthly.
• Is the Online Personal CD Account FDIC-insured?
Yes. Funds on deposit at CTCB Bank are FDIC-insured up to maximum allowed by law.

Have questions about 
12 Month Online CD?

1-888-889-8369

別再等了，

就是這個利率!
網路個人定存帳戶
帳戶類別最低開戶金額APY*
12 個月定存 $5,000.00 0.60%
立即開戶

 

*APY (Annual Percentage Yield) ⾃ 04/01/2021起有效。帳戶必須透過中國信託銀行網路銀行開戶而非一般分行。提前關閉帳⼾將有罰款，帳⼾⼿續費可能會減少利息收入。銀⾏將有權終⽌此優惠利率，不另⾏通知。 詳情請參閱帳戶披露及條款限制。

還不是中國信託銀行客戶? 

沒關係！以下為開戶小叮嚀，幫助您快速完成定存開戶：

  1. 首先開設一個網路個人支票帳戶。
  2. 完成開戶後，先將資金存入您的網路個人支票帳戶中。
  3. 確定資金已存入您的網路個人支票帳戶後，您即可開設網路個人定存帳戶，透過帳戶轉帳功能將資金從網路個人支票帳戶轉入網路個人定存帳戶。
  4. 完成開戶手續，享有每月的利息收入。

開設網路個人支票帳戶 聯絡我們

網路個人定存帳戶常見問題

• 開戶的最低金額是多少?
開設中國信託網路個人定存帳戶的最低金額為 $5,000.00。
• 如何存款至網路個人定存帳戶?
• 可至您最近的分行
• 電匯 (將收取手續費)
• 電話轉帳 (適用於中國信託銀行既有客戶)
• 郵寄支票 (請勿寄現金) 並在支票背面簽名並填寫 "For Deposit Only to CTBC Bank" 及您的帳戶號碼. 請將支票寄到以下地址:
        CTBC Bank – VB Customer Support
        56 E. Duarte Rd. Unit 108
        Arcadia, CA 91006
• 定存帳戶開戶後，可以存入更多存款嗎?
不可以。任何定存帳戶在帳戶到期期限內，都不能進行額外的存款。但是，當您的定存到期時，您可以在寬限期內增加額外資金。
• 網路銀行有提供定存到期日期嗎？
有的。登入您的網路銀行帳戶。登入後，在Account Summary頁面上選擇您的定存帳戶。您的定存到期日期將顯示在帳戶詳細資訊中。
• 定存帳戶到期？

我們將在您的定存帳戶到期前30天向您發送通知。當您的定存帳戶到期時，您將有10天的寬限期。您可以在寬限期內，選擇新的定存天期、增加存款或提款。如果您在寬限期內未採取任何行動，您的CD將自動續存，提取帳戶內的利息金額將不受寬限期的影響。寬限期內任何定期帳戶變更、存款或提款都將結束寬限期。在某些情況下，提前解約罰款可能會減少帳戶中的本金。
• 定存帳戶將收取那些手續費？
請參閱開戶歡迎郵件中Schedule of Fee Truth in Savings Disclosures 或致電客服中心 1-888-889-8369。
• 定存帳戶利息從何時開始計算？
您的定存帳戶裡將在開戶並收到開戶資金後開始計算。
• 定存帳戶利息是如何計算的？
您的定存利息為每天複利計算，並每月存入您的帳戶中。
• 請問網路個人定存帳戶是聯邦存款保險公司所保障的嗎?
是的。中國信託銀行為聯邦存款保險公司的會員，您的存款將會受到保障。

想了解更多有關
12個月網路定存? 

1-888-889-8369

别再等了，

就是这个利率！
网络个人定存账户
账户类别 最低开户金额APY*
12 个月定存 $5,000.00 0.60%
立即开户

 

*APY (Annual Percentage Yield) 自04/01/2021起有效。帐户必须透过中国信托银行网络银行开户而非一般分行。 提前关闭账户将有罚款，账户手续费可能会减少利息收入。 银行将有权终止此优惠利率，不另行通知。详情请参阅账户披露及条款限制。

还不是中国信托银行客户？ 

没关系！ 以下为开户小叮咛，帮助您快速完成定存开户：

  1. 首先开设一个网络个人支票账户 。
  2. 完成开户后，先将资金存入您的网络个人支票账户中。
  3. 确定资金已存入您的网络个人支票账户后，您即可开设网络个人定存账户，透过账户转账功能将资金从网络个人支票账户转入网络个人定存账户。
  4. 完成开户手续，享有每月的利息收入。

开设网络个人支票账户 联络我们

网络个人定存账户常见问题

• 开户的最低金额是多少？
开设中国信托网络个人定存账户的最低金额为$5,000.00。
• 如何存款至网络个人定存账户？
• 可至您最近的分行
• 电汇 (将收取手续费)
• 电话转账 (适用于中国信托银行既有客户)
• 邮寄支票 (请勿寄现金) 并在支票背面签名并填写 "For Deposit Only to CTBC Bank" 及您的账户号码，请将支票寄到以下地址：
        CTBC Bank – VB Customer Support
        56 E. Duarte Rd. Unit 108
        Arcadia, CA 91006
• 定存账户开户后，可以存入更多存款吗？
不可以。任何定存账户在账户到期期限内，都不能进行额外的存款。但是，当您的定存到期时，您可以在宽限期内增加额外资金。
• 网络银行有提供定存到期日期吗？

有的。 登入您的网络银行帐户。登录后，在Account Summary页面上选择您的定存帐户，您的定存到期日期将显示在账户详细信息中。
• 定存账户到期？

我们将在您的定存账户到期前30天向您发送通知。当您的定存账户到期时，您将有10天的宽限期。您可以在宽限期内，选择新的定存天期、增加存款或提款。如果您在宽限期内未采取任何行动，您的CD将自动续存，提取账户内的利息金额将不受宽限期的影响。宽限期内任何定期账户变更、存款或提款都将结束宽限期。在某些情况下，提前解约罚款可能会减少账户中的本金。
• 定存账户将收取那些手续费？
请参阅开户欢迎邮件中 Schedule of Fee Truth in Savings Disclosures 或致电客服中心 1-888-889-8369。
• 定存账户利息从何时开始计算？
您的定存帐户里将在开户并收到开户资金后开始计算。
• 定存账户利息是如何计算的？
您的定存利息为每天复利计算，并每月存入您的帐户中。
• 请问网络个人定存账户是联邦存款保险公司所保障的吗？
  是的。中国信托银行为联邦存款保险公司的会员，您的存款将会受到保障。

想了解更多有关
12个月网络定存?

1-888-889-8369

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