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Commercial Banking
Service Charges
Effective from 1 August 2012

(A) Current Account (HKD, USD & RMB)

Item
Charge

Mailing of Cheque Book

    Mailing by registered post
  • HKD account
  • USD account
  • RMB account

 

     
  • HK$20 per book
  • US$3 per book
  • RMB20 per book

Returned Cheque

    Due to insufficient fund
  • HKD account
  • USD account
  • RMB account
    Due to other technical error
  • HKD account
  • USD account
  • RMB account

 

     
  • HK$150 per cheque
  • US$16 per cheque
  • RMB200 per cheque
     
  • HK$50 per cheque
  • US$7 per cheque
  • RMB50 per cheque

Closure of Account

    Within 3 months of the date of its opening
  • HKD account
  • USD account
  • RMB account

 

     
  • HK$200 per account
  • US$25 per account
  • RMB200 per account

Stop Cheque Payment Instruction

    To stop payment on each cheque or a series of cheques in sequential order issued by the account holder (no refund is made if the cheque has already been cleared)

 

  • HKD account
  • USD account
  • RMB account
  • HK$100 per transaction
  • US$15 per transaction
  • RMB100 per transaction

Unauthorized Overdraft

    If an account has no overdraft facility or if an overdraft exceeds its authorized limit
  • HKD account
  • USD account
  • RMB account

 

    Handling charge per transaction:
     
  • HK$120
  • US$15
  • RMB120
plus overdraft interest at our Bank's (HKD / USD / RMB) Prime Rate + 10% p.a.

RMB Cheque Handling

Transfer to settle the shortfall of cheque

 

1% of the total amount of transfer
(minimum RMB120)
only applicable to personal RMB current account

Drawing Against Uncollected Fund

  • HKD Cheque
  • USD Cheque

 

  • HK$100
  • US$15

Printing of Special Cheque

  • At cost and subject to agreement

Printing of Special Pay-in Slip

  • At cost and subject to agreement

 

(B) Savings Account (All Currencies)

Item
Charge

Report loss of Passbook

  • HK$100 per account

Closure of Account

    Within 3 months from the date of its opening
  • Non-USD account
  • USD account

 

     
  • HK$200 per account
  • US$25 per account

 

(C) Safe Deposit Box

Item
Charge
  • Deposit and annual rental
     
  • Reissue of 1 key
  • Force open of box and reissue of 2 keys

 

(D) Chong Hing Card / Credit Card

Item
Charge

Chong Hing Card

  • Annual fee
  • Replacement due to damage or loss of Chong Hing Card

 

  • HK$50 per card
  • HK$50 per card
  • Cash withdrawal via non-JETCO ATMs in Hong Kong
  • Cash withdrawal via JETCO and UnionPay ATMs outside Hong Kong
  • HK$25 per transaction
  • HK$25 per transaction

Chong Hing Card (RMB)

  • Annual fee
  • Replacement due to damage or loss of Chong Hing Card (RMB)

 

  • RMB50 per card
  • RMB50 per card
  • Renminbi withdrawal via UnionPay ATMs in China
  • RMB15 per transaction

Credit Card

  • Cash advance fee
     
  • Late payment charge
     
  • Returned cheque / rejected autopay charge
  • Over limit charge
  • Statement copy retrieval fee
  • Sales slip retrieval fee
  • Credit balance withdrawal by cashier's order
  • Credit balance withdrawal by transfer
    (to Chong Hing Bank Account only)
  • Replacement card fee

 

  • 3% on cash amount drawn plus HK$20
    (minimum HK$55)
  • 5% on minimum payment
    (minimum HK$150 & maximum HK$200)
  • HK$120 per item
  • HK$150 per billing cycle
  • HK$50 per set
  • HK$50 per copy
  • HK$50 per cashier's order
  • HK$50 per time
     
  • HK$100 per card

Credit Card Annual Fee

  • Platinum Card (Principal)
  • Platinum Card (Supplementary)
  • Titanium Card / Gold Card (Principal)
  • Titanium Card / Gold Card (Supplementary)
  • Standard Card (Principal)
  • Standard Card (Supplementary)

 

  • HK$800 per card
  • HK$400 per card
  • HK$480 per card
  • HK$240 per card
  • HK$220 per card
  • HK$110 per card

Other Credit Card Charges

 

(E) General Services (All Accounts)

Item
Charge

Inactive Account Charge

  • No debit or credit transaction for 1 year and balance below HK$2,000 (account with zero balance will be closed)

 

  • HK$100 half yearly

Issuance of Letters

  • Banker's endorsement on customer's signature
  • Bank reference letter
  • Certificate of balance
  • If several letters are issued simultaneously
  • Bank confirmation (for audit purpose)
    • HKD account
    • USD account
  • Request for Credit Information Letter

 

  • HK$150 each
  • HK$300 each
  • HK$150 each
  • HK$25 for each additional letter
  •  
    • HK$450 each
    • US$58 each
  • HK$300 each

Mark Good Cheque / Remittance Receipt

    Sent by customer
  • HKD
  • USD
  • RMB
  •  
    Sent by bank
  • HKD
  • USD
  • RMB

 

     
  • HK$100 each
  • US$13 each
  • RMB100 each
  • Plus other bank charges
     
  • HK$200 each
  • US$26 each
  • RMB200 each
  • Plus other bank charges

Gift Cheque

  • Issuance of gift cheque

 

  • HK$10 per cheque
    (free for Chong Hing Credit Card customers / senior citizens upon card presentation)

Cashier's Order

    Issuance (Chong Hing Bank customer)
  • HKD
  • USD
  • RMB
    To report loss
  • HKD
  • USD
  • RMB

 

     
  • HK$50 per item
  • US$7 per item
  • RMB50 per item
    (50% waiver for Chong Hing Credit Card
    customers / senior citizens upon card
    presentation)
     
  • HK$100 per item
  • US$13 per item
  • RMB100 per item
    (plus handling fee according to the fee schedule issued by the Hong Kong Interbank Clearing Limited)

Company Registration Search

  • Non-company registration search
  • Company registration search
  • Subsidiary (Limited Company)
    • Company registration search
    • Business registration search
  • Handling charge of opening account for overseas company

 

  • HK$150 per search
  • HK$150 per search
  •  
    • HK$150 per search
    • HK$150 per search
  • HK$2,000 per account

Standing Instruction

  • To set up or amend an instruction
     
  • Returned item due to insufficient fund

 

  • HK$70 per item (Chong Hing Bank Limited)
  • HK$100 per item (Other banks)
  • HK$120 per transaction

Each Non-computerized Payment or Each Special Payment Request to:

  • a Chong Hing Bank account
    (other than the customer's own account)

 
 

  • HK$70 per transaction
  • a HKD account held with another local bank
  • HK$100 per transaction

Direct Debit Authorization

  • To set up or amend an instruction

 

  • HK$50 per item

Electronic Clearing Returned Item

  • Due to insufficient fund
  • Due to other reasons

 

  • HK$120 per item
  • HK$30 per item

CHATS

    Remittance to other local banks (Chong Hing Bank customer)
  • HKD
  • USD
  • RMB
  • EUR

 

     
  • HK$180 per item
  • US$22 per item
  • RMB180 per item
  • EUR20 per item

Foreign Currency / RMB Exchange

  • Chong Hing Bank customer
  • Non Chong Hing Bank customer
(Subject to the stock of our Bank)
  • Waived
  • HK$40 per transaction
    (Each transaction limits to one currency and below HK$10,000 or equivalent)

Deposit of Foreign Currency Cheque

  • Deposit to HKD / same foreign currency account

 

  • 0.25% of cheque amount (minimum HK$100), plus correspondent bank's charge (if any)

Travelers Cheque

  • Encashment handling charge

 

  • HK$60 per transaction

Coins Changing

  • HK$2 per sachet

RMB Cash Withdrawal

(Per account per day)
  • Withdrawal of up to RMB 30,000 – Free
  • Withdrawal of over RMB30,000 – 0.25% of total withdrawal amount (minimum RMB75)

Bulk Cheque Deposit

(Per account per day)
  • Up to 30 pcs - Free
  • Over 30 pcs - HK$1 per cheque charged on the number of cheque deposit

Bulk Cash Deposit

(Per account per day)
  • deposit up to 300 pcs of notes - Waived
  • deposit over 300 pcs of notes - 0.25% of deposit amount (minimum HK$100)

Bulk Coins Deposit

(Per account per day)
  • HK$2 per sachet or part thereof :
     
    HK$10 coins : 50 pcs / sachet
    HK$5 coins : 40 pcs / sachet
    HK$2 coins : 50 pcs / sachet
    HK$1, 50 cents, 20 cents and 10 cents coins : 100 pcs / sachet
    (must be pre- sorted)

Account History Report

(per account per cycle calculate)
  • Within one month from the date of request
  • Within 1 year from the date of request
  • Within 2 years from the date of request
  • Within 3 years from the date of request
  • Beyond 3 years from the date of request (up to 7 years)
  • Reprint of Bank Statement
    • Current Account
    • Statement Savings Account
    • Investment Account
  • Enquiry from Certified Public Accountants or Solicitors on customer account records and information

 

 
  • HK$50 per account
  • HK$300 per account
  • HK$750 per account
  • HK$1,000 per account
  • HK$1,000 per account per additional year
  •  
    • HK$50 per copy
    • HK$50 per copy
    • HK$50 per copy
  • HK$450 per request

Photocopying of Documents

    Copies of paid cheques, vouchers and filing documents
  • Within 1 year from the date of request
  • Exceeding 1 year from the date of request
  • Copies of image of paid cheques

 

     
  • HK$50 per page
  • HK$60 per page
  • HK$150 per page

Request for Personal Data

  • Request for personal data summary
     
  • HK$300 per request

Premature Uplifting of Fixed Deposit

  • Subject to the Bank's discretion

 

(F) Autofund transfer

Item
Charge

Using Paper List Instructions

  • Set-up fee
  • To Chong Hing Bank account
  • To other banks' account

 

  • HK$200 per item
  • HK$2 per item
  • HK$3 per item
    (minimum HK$100 per item)

Using Machine Readable / USB Instructions

  • Installation fee
  • To Chong Hing Bank account
  • To other banks' account
     
  • PayEasy MPF Contribution

 

  • HK$200 per item
  • HK$1 per item
  • HK$2 per item
    (minimum HK$50 per item)
  • HK$20 per item

eMPF Services - Payroll

  • To Chong Hing Bank account
  • To other banks' account
     
  • eMPF Contribution

 

  • HK$1 per item
  • HK$2 per item
    (minimum HK$50per item)
  • HK$20 per item

Special Administration Fee

  • HK$200 per instruction
    - Customer submits the autofund transfer instruction to the Bank after the cut-off time at 13:00 on the clearing day prior to the value day (Applicable to paper list and machine readable / USB instructions)

 

(G) Inward Remittance

Item
Charge

Telegraphic Transfer

  • For credit into accounts with Chong Hing Bank

 

  • Incoming remittance credit to accounts with the Bank, HK$50 per item or equivalent plus correspondent bank’s charges (if applicable). For USD notes account deposit of USD remittance, additional handling charge of 0.2% on the transaction
  • Inward remittance information unmatched with STP (auto-credit) criteria / bank information
  • HK$20 per transaction

Collection of Payment Order or Cheque

  • Foreign currency cheque received by Chong Hing Bank and sent for collection

 

  • HK$200 each plus drawee / correspondent bank's charges (if any)

Returned Collection

  • Purchased or collection cheques returned by drawee

 

  • HK$150 each plus drawee / correspondent bank's charges (if any)

 

(H) Outward Remittance

Item
Charge

Telegraphic Transfer / Demand Draft

  • Handling charge (Chong Hing Bank Customer)

  •  
     
     
     
  • Cable charge
  • Enquiry / amendment / cancellation / report loss handling charges

 

  • Telegraphic Transfer: HK$100 per item for Chong Hing Bank Customer
    Demand Draft: HK$80 per item for Chong Hing Bank Customer
    Plus correspondent bank´s charges (if applicable)
  • HK$100 per cable
  • HK$250 per item plus drawee / correspondent bank's charges (if any)
  • Telegraphic Transfer with Chinese Characters
  • Additional HK$100 per item

 

(I) Banking Facilities

Item
Charge
  • Copy of loan documents
  • Reissue of repayment schedule (applicable to payments not yet due)
  • HK$10 per page (minimum HK$200)
  • HK$100 per loan account
  • Reissue of repayment history record
  • Change of facility terms
  • Application for letter of tenancy consent
  • Handling fee for partial / full prepayment
  • Late Payment Charge and Default Interest
  • HK$100 per loan account per financial year
  • HK$1,000 per loan account
  • HK$500 per request
  • HK$1,000 per loan account
  • Late Payment Charge at HK$100 per installment plus Default Interest calculated at 10% p.a. above relevant Contract Rate
  • Handling fee for settlement of overdue charges (including rates, rent and management fee, etc.) imposed on the Bank as mortgagee due to default of the mortgagors
  • HK$500 per item. For fees and payments not reimbursed, our Bank will charge interest according to the interest rate charged under unauthorized overdraft
  • Title Deeds Management Fee (Upon facility cancellation)
  • HK$2,000 per annum (per piece of collateral). For unpaid management fee, our Bank will charge interest according to the interest rate charged under unauthorized overdraft

 

(J) Investment

Item
Charge

Fund

  • Subscription fee

 

  • In accordance with the fees stated in the Explanatory Memorandum or Prospectus of individual fund
  • Redemption fee
  • In accordance with the fees stated in the Explanatory Memorandum or Prospectus of individual fund
  • Switching fee
  • In accordance with the fees stated in the Explanatory Memorandum or Prospectus, minimum 1% of the switching amount

Bond

  • Purchase / Sell Transaction

 

  • For subscription amount below US$100,000: 0.75% of debt securities' face value for each transaction
    For subscription amount of US$100,000 or above: 0.5% of debt securities' face value for each transaction
    [The subscription fees for other debt securities (such as notes and certificates of deposit) will vary according to each issue]
  • Safe Custody
  • 0.05% of debt securities' face value per year applies to account holding Perpetual Bond
Notes: This "Bank Service Charges" list is not exhaustive and customers are requested to contact your marketing officer or Branches for details. The Bank reserves the right to change the above charges from time to time.