Documents Required for Opening Personal Accounts

Savings Accounts

Account types	Passbook account	Statement account
Currency types	HKD US Notes Multi-currencies (including RMB, AUD, GBP, CAD, EUR, JPY, NZD, CHF and US TT)	HKD Multi-currencies (including RMB, AUD, GBP, CAD, EUR, JPY, NZD, CHF and US TT)
Basis on interest determined (for both leap year and ordinary year)	HKD & GBP： 365 days a year on a simple basis Other currencies：360 days a year on a simple basis	HKD & GBP： 365 days a year on a simple basis Other currencies：360 days a year on a simple basis
Payment of interest	At the end of June and December	At month end
Minimum initial deposit for account opening	HKD^#：1,000 Other currencies (except JPY)：100 JPY：10,000	HKD^#：1,000 Other currencies (except JPY)：100 JPY：10,000
Minimum balance requirement	Nil
Interest rate	Please refer to the Bank’s website (www.chbank.com)
Dormant account charge	Nil
Rights of set-off	Yes (please refer to Account Rules for details)
Account closure	Visit any of our branches in person

Documents and information required for Opening of Personal Account

・Identification Document (Original)

Nationality	Identification required for account opening
HK Permanent Residents	Hong Kong Permanent Identity Card
HK Residents	Hong Kong Identity Card and valid passport / travel document
Non- HK Residents	Valid passport / travel document

Residential address (Post Office Box is not acceptable)
Occupation and employment details
Purpose of account opening and the anticipated account activities
Source of wealth and source of funds

Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

Important Notice

The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
The Bank reserves the right to decline any account opening application without providing any reason.
For fees and charges incurred on the account, please refer to “Bank Service Charges”.

# Senior citizens aged 65 or above, customers aged below 18, beneficiaries of Comprehensive Social Security Assistance (CSSA) Scheme or Normal or Higher Disability Allowance, disabled or visually impaired persons will be exempted from the minimum initial deposit requirement for account opening.

Current Accounts

Currency types	HKD USD RMB
Deposit interest	Nil
Minimum initial deposit for account opening	HKD^#：500 USD：100 RMB：500
Minimum balance requirement	Nil
Overdraft interest	Prime rate + 10% p.a.
Handling charge on unauthorized overdraft	Please refer to the “Bank Service Charges”
Dormant account charge	Nil
Rights of set-off	Yes (please refer to Account Rules for details)
Account closure	Visit any of our branches in person

Documents and information required for Opening of Personal Account

Identification Document (Original)

Nationality	Identification required for account opening
HK Permanent Residents	Hong Kong Permanent Identity Card
HK Residents	Hong Kong Identity Card and valid passport / travel document
Non- HK Residents	Valid passport / travel document

Residential address (Post Office Box is not acceptable)
Occupation and employment details
Purpose of account opening and the anticipated account activities
Source of wealth and source of funds

Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

Important Notice

The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
The Bank reserves the right to decline any account opening application without providing any reason.
For fees and charges incurred on the account, please refer to "Bank Service Charges".

# Relevant service fee will be charged. For details, please refer to the "Bank Service Charges".

Fixed Deposit Accounts

Currency types	HKD US notes / TT RMB GBP	AUD CAD EUR	JPY NZD CHF
Basis on interest determined (for both leap year and ordinary year)	Interest shall accrue upon the daily balance of a deposit, calculated on the basis of the actual number of days elapsed (including the first day of the period during which it accrues but excluding the last) HKD & GBP： 365 days a year basis Other currencies：360 days a year basis
Payment of interest	Unless otherwise stated, payable on the maturity date of a fixed deposit
Proceeds of maturity	Renew both principal and interest Renew principal and withdraw interest Renew part of principal and withdraw the remaining of principal and interest Withdraw both principal and interest
Withdrawal methods	Cash Cashier order / demand draft^# CHATS ^# Transfer to same currency savings / current account
Minimum deposit amount	HKD and RMB：5,000 JPY：100,000 Other currencies：1,000
Dormant account charge	Nil
Rights of set-off	Yes (please refer to Account Rules for details)
Interest rate applied on time deposits which have matured but have not been renewed or withdrawn	Nil
Early withdrawal	No interest shall be payable and a premature uplifting funding cost will be charged
Account closure	Visit any of our branches in person

Documents and information required for Opening of Personal Account

Identification Document (Original)

Nationality	Identification required for account opening
HK Permanent Residents	Hong Kong Permanent Identity Card
HK Residents	Hong Kong Identity Card and valid passport / travel document
Non- HK Residents	Valid passport / travel document

Residential address (Post Office Box is not acceptable)
Occupation and employment details
Purpose of account opening and the anticipated account activities
Source of wealth and source of funds

Where account is opened in-trust of another person, the above are also applicable to the beneficial owner of the account.

Important Notice

The above list may not be comprehensive, so there may be circumstances in which we ask you for further documents or information. If you have any questions about the list, or about our customer acceptance procedures, please visit any of our branches for enquiries.
The Bank reserves the right to decline any account opening application without providing any reason.
For fees and charges incurred on the account, please refer to "Bank Service Charges".

# Relevant service fee will be charged. For details, please refer to the "Bank Service Charges".