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网络定存账户

固定利率
开户最低金额为$5,000
整合银行账户
FDIC 保障
We have terms to fit your goals
12 month
Promo
3.80
% APY*
3.80% APY*
CTBC

*Annual Percentage Yield (APY) accurate as of 09/09/2025. Minimum opening balance is $5,000. Account is subject to early withdrawal penalty. Fees could reduce earnings on the account. APY is subject to change without notice. To receive the APY, account must be opened online. The APY will be based on the date the CD is funded, which may be different from the application date. Additional terms and conditions may apply. Please see our account disclosures for more details. Online application is subject to approval. Restrictions and limitations apply. Local branches may offer different products with varying terms and conditions.

开设中国信托网络定期存款的好处

低风险

固定利率

锁定在设定的期间内，赚取固定利息。

方便

整合银行账户

透过网络及手机银行，浏览您所有中国信托银行账户。

安全

FDIC 保障

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。

See how much your savings could grow

We have terms to fit your goals
12 month
Promo
3.80
% APY*

Please enter an amount greater than the minimum deposit amount of $5000.00

*Annual Percentage Yield (APY) accurate as of 09/09/2025. Minimum opening balance is $5,000. Account is subject to early withdrawal penalty. Fees could reduce earnings on the account. APY is subject to change without notice. To receive the APY, account must be opened online. The APY will be based on the date the CD is funded, which may be different from the application date. Additional terms and conditions may apply. Please see our account disclosures for more details. Online application is subject to approval. Restrictions and limitations apply. Local branches may offer different products with varying terms and conditions.

$20,000
CTBC

The calculator is for illustrative purposes only and may not apply to your individual circumstances. Calculated values assume that principal and interest remain on deposit and are rounded to the nearest dollar. All APYs are subject to change.

如何开设网络定存账户？

我们提供安全、简单又便捷的数位银行

1

点击 "立即开户"

进入安全加密的在线开户程序

2

输入您的个人信息

提供您的姓名，地址，生日及社安号码

3

资金转账

链接其他银行账户，将资金转入新账户

我是新客户

我将提供我的个人资料

我是既有客户，并且有网络银行

登入网络银行，节省开户时间。

我们也有最高可达 3.60% APY
网络储蓄账户

网络个人定存账户常见问题

目前线上开户只开放给居住在加州、纽约州、新泽西州、德州、内华德州、华盛顿州及亚利桑纳州的居民。
开设中国信托网络个人定存账户的最低金额为$5,000.00。
• 可至您最近的分行
• 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
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。
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。
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。
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。
您的定存帐户里将在开户并收到开户资金后开始计算。
您的定存利息为每天复利计算，并每月存入您的帐户中。
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。