开户

Welcome! We'd be happy to help. For non-residents, we typically need your passport, a secondary form of ID, proof of address — like a utility bill or lease agreement — and an initial deposit. The minimum to open an account is $25.

For everyday banking, I'd recommend our basic checking account — there's no monthly fee if you maintain a minimum balance of $500 or set up direct deposit. You'll get a debit card, online banking, and mobile check deposit. Would you also like to open a savings account? It earns 3.5% APY.

Yes, your first box of checks is free. They'll be mailed to your address in about 7 to 10 days. In the meantime, you can use temporary checks I'll give you today. Now, let me get your information entered into the system. Do you have your Social Security Number or an ITIN?

Perfect. I've set up both accounts. Your checking account number is on this card, and your temporary debit card will work immediately. The permanent one with your name on it will arrive by mail in 5 to 7 business days. You'll also need to set up your online banking — let me walk you through that right now.

Yes, you can do international wire transfers from your checking account. The fee is $30 per transfer for account holders — cheaper than the walk-in rate. You can initiate transfers online or at the branch. We also have Zelle for free domestic transfers.

My pleasure! Here's my business card — I'm your dedicated banker. If you have any questions about your accounts, don't hesitate to reach out. Welcome to the bank!

Let me pull up your account. Can I see your ID, please? ...I see the issue. There's a security hold on your account due to unusual activity. It looks like there was a large withdrawal attempt from a different city — our fraud detection system flagged it.

It's possible your card information was compromised. The good news is, our system blocked the transaction before any money was taken. I'll need to cancel your current card and issue a new one. I can also file a fraud investigation. Have you noticed any other suspicious charges on your account?

I'll flag that charge as unauthorized and start a dispute. You should get a provisional credit of $300 within 48 hours while we investigate. The investigation typically takes 10 business days. Your new card will arrive in 5 to 7 business days — in the meantime, I can give you a temporary card today.

Absolutely — change your password and enable two-factor authentication if you haven't already. Also check any other accounts where you used the same password. Here's a summary of what we've done today — keep this for your records.

Yes, the default daily limit is $2,500 for purchases and $500 for ATM withdrawals. If you need to make a larger purchase, you can call us to temporarily raise the limit. You can also adjust it yourself through the mobile app.