Last updated: January 1, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you and Cathay Bank ("Cathay," "we," "us," or "our") governing your access to and use of our website, mobile applications, online banking platform, and all related banking services (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.
These Terms apply to all visitors, users, account holders, and others who access or use the Services in the United States and Europe.
To access certain features of our Services, you must register for an account. When you register, you agree to:
We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, false, or misleading.
You must be at least 18 years of age (or the age of majority in your jurisdiction) to open an account. By registering, you represent and warrant that you meet this requirement.
Cathay Bank offers a range of banking services, including but not limited to:
The specific services available to you may depend on your location, account type, creditworthiness, and other eligibility criteria. We reserve the right to modify, suspend, or discontinue any service at any time.
We disclose all applicable fees and charges associated with our Services in our Fee Schedule, which is incorporated by reference into these Terms. Fees may include:
We may change our fees from time to time. We will provide advance notice of any fee changes as required by applicable law.
To the fullest extent permitted by applicable law, Cathay Bank and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability to you for any claim arising out of or relating to these Terms or the Services shall not exceed the amount you have paid to us in the twelve (12) months preceding the claim, or $500, whichever is greater.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall first be addressed through good-faith negotiations between the parties.
If the dispute cannot be resolved through negotiation within thirty (30) days, either party may initiate binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in New York, New York, unless otherwise agreed by the parties.
For consumers in the European Union, you retain the right to bring claims in the courts of your country of residence. The European Online Dispute Resolution platform is available at ec.europa.eu/odr.
You may close your account at any time by contacting customer support or through your online banking portal. Upon termination:
We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice, including for violation of these Terms.
The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by Cathay Bank, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as expressly permitted by these Terms.
You agree not to use the Services for any purpose that is unlawful or prohibited by these Terms. Prohibited activities include but are not limited to:
These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.
For consumers residing in the European Union, mandatory provisions of the law of your country of residence may apply, and nothing in these Terms shall deprive you of the protection afforded to you by such provisions.
We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter.
Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. We encourage you to review these Terms frequently.
If you have any questions about these Terms, please contact us: