Skip to main content

Smart Money Market

Making the most out of your savings

If you have higher deposits, a Smart Money Market lets you earn higher interest rates as your balance grows. Beyond saving, a Smart Money Market account also gives you easy access to your funds whenever they’re needed.

Earn higher returns

The Smart Money Market earns a variable tiered interest rate higher than other savings accounts.

Flexible access

Use your ATM card to access funds at Cathay Bank ATMs or our surcharge-free ATM network.

FDIC insured

Get FDIC protection on your account for up to $250,000 per depositor for each ownership category.

Monthly compounding

The interest will compound and credit monthly, as shown on your monthly statement.

Get to know Smart Money Market

  • The minimum opening deposit is $5,000.
  • To avoid the $10 monthly maintenance charge, maintain a minimum daily balance of $5,000 in the account.
  • 24/7 online account access and unlimited teller service.
  • Surcharge-free withdrawals within the PULSE Select® / Money Pass® ATM network.
Cathay Bank

Email communication is not secure

Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.

Have a question?

Our team is happy to assist you with all your Personal Banking needs. Please reach out for more information.