FAQ

It is an online banking service provided by the Bank for our corporate customers, which allows you to perform various banking transactions via the Internet anytime and anywhere.

 

Most banking services are available, for example: account enquiry, fund transfer, foreign exchange, bill payment, fixed deposit, cheque book request and management functions.

 

All corporate customers holding HKD Savings Account or Current Account of the Bank are eligible to apply. If you do not have any Chong Hing HKD Savings Account or Current Account, you are welcome to open one at any branch of the Bank.

 

Yes. You can access it from anywhere in the world via the Internet.

 

There is no monthly and annual fee for using this service. However, service charges are applicable for some designated transactions, for details, please refer to the Bank's Service Charges.

 

The major difference between the "Single Authority" and "Joint Authorities" is that the latter requires multiple authorisations to complete a designated transaction, and corporate customers can pre-define the number of approvers required for each function and account transaction. For Joint Authorities, each user can be assigned to different roles (including Administrator, Approvers, Operator) to restrict their access rights to the functions and accounts. The access rights to the functions and accounts of users can be defined by the Administrator.

 

No. Each corporate customer may subscribe to either "Single Authority" or "Joint Authorities", but not both at the same time. Please visit any branch of the Bank for changing the type of authority.

 

The "view-only mode" refers to a feature where all Corporate Internet Banking users of the applicant are only allowed to enquire account information and transaction details, but cannot perform any transactions on the account.

 

After completing the application of Corporate Internet Banking service, every user can click the "First-Time Logon" in the Logon page of Corporate Internet Banking, and follow the instruction to complete the first-time logon process.

User ID, Activation Code which issued by the Bank, SMS One-Time Password are required for the activation, security questions and answers have to be set up during the activation process.

If you forgot the logon password and your user role is an Operator, the Administrator could help you to reset the password.

If you forgot the password and your user role is an Administrator/Approver, please visit any branch of the Bank to reset the password.

If you forgot the Logon ID, you can click the “Forgot Logon ID” in the Logon page of Corporate Internet Banking and follow the instructions to complete the verification of identity document, account number, security questions/answers and one-time password. After completing the verification, the Logon ID will be sent to your registered e-mail address.

You can also use the User ID issued by the Bank to log on to Corporate Internet Banking to view the Logon ID.

You can update the Logon ID by choosing "My Logon Name" under "Personal Setting", and click "Update User Name" to reset the user name.

You can update the password by choosing "Change Password” under "Personal Setting", and enter both the current password and new password.

No. Your Customer Reference Number cannot be changed. However, you are allowed to personalise a Logon Name after you logged on to Corporate Internet Banking Services for your future logon.

Yes. You are reminded to change your 6-digit numeric password upon your first logon to the Internet Banking services. The new password must be of 8-12 characters, contains at least 1 uppercase letter (A-Z), 1 lowercase letter (a-z), and at least 1 special character (@ _ ' . - ? ! $ * =) or 1 number (0-9). The new password will be immediately effective upon confirmation.

You can personalise a Logon Name after you logged on to Chong Hing Bank Internet Banking Services. The Logon Name must comprise 8 - 12 alphanumeric characters and include at least 1 alphabet.

Your chosen Logon Name would be rejected if it does not comply with the set-up rules or it has already been registered by others.

You can view the balance and the latest transaction history of all accounts (including HKD or Foreign Currency Savings Deposit account, Fixed Deposit account, Multi-Currency Savings account, Current account, investment account and loans account) which have been registered and assigned operation rights under your own name.

 

You can view the transaction history within the last 12 months.

 

Yes, customer can now add your investment account via "Management Centre - Account Management" on Corporate Internet Banking, and you can enquire details of your investment account at "Account Enquiry" via Corporate Internet Banking, details including the quantity, market price and market value of the investment products in the account.

 

You can enquire details of your subscribed investment products, such as the holding records of securities, bonds and funds via Corporate Internet Banking.

 

It will not be displayed instantly. Since there are different settlement periods for investment products, the subscription record will be displayed after the completion of the settlement process. Usually, it will take 3 to 5 working days. For subscription status enquiry, please contact our branch staff.

 

It will not be updated instantly. As the update time for different investment products are not the same, you may refer to the last update time, which is shown in brackets under the market price of the investment product. For more information, e.g. market price enquiry, please contact our branch staff.

 

For the investment service, Corporate Internet Banking offers investment account overview enquiry only, but not offering any other operation/transaction, e.g. subscription/switching/redemption etc., please visit any of our branches for proceeding the related services.

 

Chong Hing Bank currently offers the following types of e-advices:

If you are our Corporate Internet Banking/Chong Hing Mobile Banking customers, you can automatically view e-advices anytime via Corporate Internet Banking and Chong Hing Mobile Banking. Single authorised customers will be automatically registered to use this service. Joint authorised customers will need to authorise individual users to use this service via Corporate Internet Banking/Chong Hing Mobile Banking.

 

Your e-advices will be retained for 12 months from the date of issuance, and all e-advices will be automatically deleted after they expire.

Please refer to the steps in User Guide Section 1 - 8.1 for setting.

Yes. All processed transactions will be displayed.

A reference number will be given to you after the transaction is being executed. You can confirm your transaction with the reference number under "Online Transaction Record" after the transaction is completed.

You can view the Corporate Internet Banking transactions within the last 12 months.

To allow "Joint Authorities" user to manage the pending transactions, "Pending Transaction” function is available in Corporate Internet Banking for you to enquire those submitted and pending authorisation transaction records.

 

Please note that each user is only allowed to enquire those transactions on the accounts which he/ she has the right to access.

 

You can enquire your fixed deposit account balance, effect fixed deposit placement and change maturity instruction.

Yes. You can only perform fixed deposit placement, renewal and changing maturity from 9:00 am to 8:30 pm (Monday to Saturday), excluding Sunday and public holidays.

For changing maturity instruction, the instruction must be submitted at least one business day before the maturity date.

Please note that all interest rates quoted in "Rate Information" are for reference only. You will be notified of the actual rate prior to your final confirmation of the transaction.

The minimum amounts for fixed deposit placement of different currencies are listed below:

3 maturity instructions are available for your selection, they are:

• renew principal and interest at bank's prevailing rate;
• renew principal at bank's prevailing rate and transfer the interest to designated account;
• transfer principal and interest to designated account.

The renewed maturity instruction will be effective immediately once the transaction is confirmed to be successful, you can view the renewed maturity instruction under "Account Overview" in the Corporate Internet Banking.

Yes, you can select "Select by Maturity Date" on the field "Deposit Tenor" through the Corporate Internet Banking Service, the shortest period of the deposit tenor will be 7-day, the longest period of the deposit tenor will be 24-month. The deposit interest rate will be calculated based on the deposit days, for example, for the deposit period between 1-month and 2-month (e.g. 45-days), the deposit interest rate will be taking reference from the deposit interest rate of 1-month. Please note that all interest rates quoted in "Rate Information" are for reference only. You will be notified of the actual rate prior to your final confirmation of the transaction.

Corporate customer can contact their designated relationship manager for arranging a designated interest rate with designated deposit tenor, after completing the "booked interest rate" arrangement, the system will send an email with the "appointment number" to the email provided by the customer. Customer will have to complete the time deposit set up on the date of generating "appointment number" within the service hour of time deposits in the Corporate Internet Banking Services, otherwise, the "appointment number" will be invalid. For the details of the booked internet rate, please contact your designated relationship manager.

You can apply cheque book through the "Cheque Book Request" function. The Bank will send you a cheque book by surface mail.

Please contact us immediately if you do not receive the cheque book after 14 days from the date of application.

Yes. It is free of charge.

Two-factor authentication uses two different factors of the following to authenticate a user identity: "something you have" (e.g. mobile phones), "something you are" (e.g. fingerprints) or "something you know" (e.g. password). Your physical possession (such as mobile phone) is difficult to be accessed on the Internet. Therefore, conducting high-risk transactions online using two-factor authentication offers a better protection.

 

The Bank currently supports Mobile Token or SMS-based one-time passwords (OTP) as the method for two-factor authentication.

 

The following transactions are considered high risk and require two-factor authentication: fund transfer to any unregistered accounts; register third party accounts; bill payment to any high risk merchants, for example, credit card issuers, securities brokers and financial services; management functions.

 

No. This service is free for charge.

 

You should immediately report to the relevant institution and notify the Bank by calling (852) 3768 6800 to suspend your user account.

 

SMS-based one-time passwords (OTP) are passwords sent by the Bank to your registered mobile phone number to strengthen the authentication of your identity. After being generated, each SMS OTP can only be used once and will be expired in 100 seconds.

 

Please visit any branch of the Bank to register your mobile phone number.

 

SMS OTP service is free of charge if you are using the service in Hong Kong. However, your mobile phone service provider may levy charges on international SMS. You are advised to consult your mobile phone service provider for details.

 

A: The Bank will send SMS-based one-time passwords to your registered mobile phone number. However, your mobile phone service provider may not allow you to receive SMS OTP overseas. You are advised to consult your mobile phone service provider for details.

 

If you are using the Chinese version of Corporate Internet Banking Services, an SMS OTP with Chinese characters will be sent to your mobile phone. Strange characters may appear if your handset does not support Chinese characters. For details, you may contact your mobile phone service provider or refer to the user manual of your handset.

 

You should report loss to your mobile phone service provider and call our hotline (852) 3768 6800 to suspend your user account immediately.

 

Mobile Token is a feature within the Chong Hing Corporate Mobile Banking App. After completing the Mobile Token registration, the Bank will send a push notification to your registered mobile phone when you conduct online high risk transactions, and you can tap on the push notification to open Chong Hing Corporate Mobile Banking App and then confirm your identity by verifying the Face ID/fingerprint/a 6-digit PIN chosen by you.

 

After being generated, each push notification can only be used once and will be expired in 100 seconds.

 

Please refer to Mobile Token FAQ page for details.

 

You can arrange fund transfer to (i) registered accounts under your own name; (ii) registered third party accounts within the bank, and (iii) unregistered accounts within the bank (two-factor authentication is required).

 

Please note that the above service is limited to fund transfer between same currency accounts.

Any instruction once accepted and processed by the Bank cannot be cancelled, amended, supplemented or revoked by the customer.

This service is free of charge.

Yes, there is daily transaction limit for fund transfer to registered account or unregistered account, please log on to Corporate Internet Banking to view the daily transaction limit by accessing “Service/Information - Service Limit Enquiry”.

With Corporate Internet Banking Services, you can transfer funds from Chong Hing Bank to other banks in Hong Kong via "CHATS" or "FPS".

 

Any instruction once accepted and processed by the Bank cannot be cancelled, amended, supplemented or revoked by the customer. If it is a scheduled transaction of “CHATS”, you can cancel, amend, supplement or revoke the instruction via the "Scheduled Transaction Management" function.

 

There is charge for transferring via "CHATS", but free of charge for FPS transfer. For details, please refer to the Bank's Service Charges.

 

Yes, there is daily transaction limit for fund transfer to registered account or unregistered account, please log on to Corporate Internet Banking to view the daily transaction limit by accessing “Service/Information - Service Limit Enquiry”. There is limit per transaction for "FPS", please check the maximum limit per transaction accessing "FPS" transaction page.

 

You can arrange telegraphic transfer to (i) registered third party accounts, and (ii) unregistered third party accounts (two-factor authentication is required). Your pre-registered third party account will be removed if there is no transaction performed in the past 36 months. If you would like to register the third party account again, please register via the "Third Party Account Registration" function in Corporate Internet Banking.

Any instructions once accepted and processed by the Bank cannot be cancelled, amended, supplemented or revoked by the customer. If it is a scheduled transaction, you can cancel, amend, supplement or revoke the instruction via the "Scheduled Transaction Management" function.

 

There is charge for fund transfer via Telegraphic Transfer. For details, please refer to the Bank's Service Charges.

 

Yes.
For Monday to Friday
- Remittance Currency: RMB
Instructions accepted on or before 3:00 pm will be processed on the same day.
Instruction received after 3:00 pm will be processed on the next business day.
- Remittance Currency: Other Currency (except RMB)
Instructions accepted on or before 4:00 pm will be processed on the same day.
Instruction received after 4:00 pm will be processed on the next business day.
For Saturday
Instructions would be processed on the next working day.

 

Yes, there is daily transaction limit for fund transfer to registered account or unregistered account, please log on to Corporate Internet Banking to view the daily transaction limit by accessing “Service/Information - Service Limit Enquiry”.

 

The RMB remittance instructions accepted before 3:00 pm, Monday to Friday ("cut-off time") will be executed on the same day. Instructions accepted after the cut-off time or on Saturday, Sunday and public holidays will be executed on the next working day. The time when the beneficiary bank receives the remitted funds will depend on the operation of the beneficiary bank.

 

With Corporate Internet Banking Services, you can transfer funds from your Chong Hing Bank account to other Chong Hing Bank account(s) or other bank account(s) in Hong Kong via "Bulk Transfer" or "Payroll".

 

Any instructions once accepted and processed by the Bank cannot be cancelled, amended, supplemented or revoked by the customer. If it is a scheduled transaction which made through "Online Edit", you can cancel, amend, supplement or revoke the instruction via the "Scheduled Transaction Management" function.

 

For "Bulk Transfer" / "Payroll" transaction which made through the way of "Online Edit", it supports up to 50 beneficiaries for each transaction. For transaction which made through the way of "File Upload", it supports up to 500 beneficiaries for each transaction.

 

Yes, there is daily transaction limit for fund transfer to registered account or unregistered account through "Bulk Transfer" / "Payroll", for "Bulk Transfer", the daily transaction limit shares with other transfer, while there is a standalone daily transaction limit for "Payroll", transfer to registered account or unregistered account through "Payroll" will be using the same daily transaction limit. Please log on to Corporate Internet Banking to view the daily transaction limit by accessing “Service/Information - Service Limit Enquiry”.

 

Yes.
Processing Time:
For Mondays to Saturdays

• Instructions accepted on or before 9:00 pm will be processed on the same day. Funds could be credited to the recipient's account within the same working day, subject to the recipient bank's arrangement.
• Instructions accepted after 9:00 pm will be processed on the next business day.

For Sundays & Public Holidays

• Instructions would be processed on next working day.

Generally, the bank will process the "Bulk Transfer" / "Payroll" within 2 hours upon receiving the instruction, you can also enquire the transaction details and the transaction status through "Bulk Transaction Enquiry" / "Bulk Payroll Enquiry".

 

Yes. Registering/amending/deleting registered third party account for transfer within the Bank, interbank transfer (FPS/CHATS) and telegraphic transfer could be done via "Fund Transfer – Third Party Account Registration" on Corporate Internet Banking after completing the two-factor authentication.
Please note that customers can apply to disable the "Online Third-party Account Registration" function through the "Security Settings" function or by submitting an application form. After disabling the "Online Third-party Account Registration" function, the customers can only remove the registered account. If customers later need to register/amend registered third-party account, they must submit the relevant application form to the Bank for processing.

 

Adding/amending a registered third-party account will take effect in 24 hours after the operation/approval is completed, while deleting a registered third party account will take effect immediately.

 

You can register up to 30 third party accounts for each transaction type (transfer within the bank, interbank transfer (FPS/CHATS), telegraphic transfer).

 

Your registered account will be removed if there is no transaction performed in the past 12 months. Please register the account again via the function "Third Party Account Registration" on the Corporate Internet Banking Services.

 

You can buy or sell Renminbi and various types of foreign currencies, namely AUD, CAD, CHF, EUR, GBP, JPY, NZD and USD.

Please note that foreign currency exchange is only applicable to the designated accounts under your own name, and one of the involved accounts must be a HKD Current Account or Savings Account.

As for the exchange of Renminbi, the debit and credit accounts must be Multi-Currency Savings and HKD Current Account or Savings Account under your own name.

 

Yes. You can only perform foreign currency exchange transactions from 8:30 am to 8:00 pm on Monday to Friday and from 8:30 am to 1:00 pm on Saturday (excluding Sunday and public holidays).

Please note that the telegraphic transfer rates quoted in "Rate Information" are for reference only. You will be notified of the actual telegraphic transfer rate prior to your final confirmation of the transaction.

 

The daily transaction limits are listed below:

Per Transaction: HK$5,000,000 (maximum); HK$50 (minimum)

 

You can pay various kinds of bills to over 700 major merchants in Hong Kong by transferring funds from your Chong Hing Bank savings Account or current account, including electricity, water supply, town gas, tax, insurance, telecommunications, government services and school fees.

 

Click here for a full merchant list.

No, you can use two-factor authentication for paying the bills, excluding those merchants in categories as "Primary or Secondary Education", "Post-secondary or Specialised Education", "Government or Statutory Organisation" and "Public Utility".

If you would like to pre-register bills, please register the bill via "Bill Payment - My Payee List" in Corporate Internet Banking.

Your pre-registered bill information will be removed if there is no transaction performed in the past 36 months. If you would like to register the bill again, please register again in "Bill Payment - My Payee List".

Yes, there is daily transaction limit for paying bills to registered or unregistered merchants, please log on to Corporate Internet Banking to view the daily transaction limit by accessing “Service/Information - Service Limit Enquiry”.

There is no charge for the Bill Payment Service.

You just need to select a schedule processing date", which is within 180 days, inside the "Bill Payment" input page to set up a scheduled bill payment instruction.

Scheduled bill payment instruction can only set up on working days from Monday to Friday, except Saturday, Sunday and public holidays. Payments placed after 16:00 (Monday to Friday) or on any non-working day will be processed on the next working day.

Any same day instruction once accepted and processed by the Bank cannot be cancelled, amended, supplemented or revoked by the customer. Your Scheduled Payment instruction can be amended before the specified payment date. For example, you have to amend the payment instruction on or before 3 January if the payment is scheduled to be made on 4 January.

Yes, the registration of a bill will take effect immediately for the payment.

Your registered bill will be removed if there is no transaction performed in the past 12 months. Please register the bill again.

Customer can manage the corporate's account(s) under the same signing authority, including HKD or foreign currency savings account, fixed deposit account, multi-currency savings account, current account, investment account and loans account, as shown on Corporate Internet Banking and Corporate Mobile Banking by choosing "Management Centre - Account Management".

 

Yes, your designated account(s) under the same signing authority can be added back anytime on “Management Centre” of Corporate Internet Banking. These may include HKD or foreign currency savings account, fixed deposit account, multi-currency savings account, current account, investment account and loans account.

User of Single Authority or Administrator of Joint Authorities can view or adjust the transaction limit via "Management Centre - Service Setting - Service Limit Setting" on Corporate Internet Banking.

 

Yes. User of Single Authority or Administrator of Joint Authorities can uplift the aggregated daily transfer limit within the limit assigned by the Bank via "Management Centre - Service Setting - Service Limit Setting" on Corporate Internet Banking after completing the two-factor authentication. The amendment will be effective only after the approval process is completed by another Administrator if the Administrator Authorisation Mode is set as "Mutual Authorisation".
Please note that customers who apply to disable the "Online Service Limit Increase" function through the "Security Settings" function or by submitting an application form can only lower the aggregated daily transfer limit through the "Service Limit Settings" function after the function is disabled. If customers later need to increase the aggregated daily transfer limit, they must submit the relevant application form to the Bank for processing.

 

For customers who have not performed high risk fund transfer for 12 consecutive months, the daily limit of fund transfer to non-registered account(s), bill payment to non-registered high risk merchant(s) and bulk payroll via Corporate Internet Banking will be automatically set to HK$0.

 

Small Value Fund Transfer Limit applies to “FPS” (including QR Code Payment) transaction by a Single Authority customer who makes transfer to non-registered third-party account. Customer could set the Daily Small Value Fund Transfer Limit via “Management Center - Service Settings - Set Small Value Fund Transfer Limit” function, and the maximum daily limit is HKD10,000. The Daily Small Value Fund Transfer Limit will be used if the transaction amount of the related transaction is less than the Daily Small Value Fund Transfer Limit, two-factor authentication may not be required; The Daily Small Value Fund Transfer Limit will not be used if the transaction amount of the related transaction exceeds the Daily Small Value Fund Transfer Limit.

 

Yes. User of Single Authority can increase the Daily Small Value Fund Transfer Limit within the limit assigned by the Bank (HKD10,000) via “Management Center - Service Settings - Set Small Value Fund Transfer Limit” on Corporate Internet Banking after completing the two-factor authentication.
Please note that customers who apply to disable the "Online Service Limit Increase" function through the "Security Settings" function or by submitting an application form can only lower the Daily Small Value Fund Transfer Limit through the "Set Small Value Fund Transfer Limit" function after the function is disabled. If customers later need to increase the Daily Small Value Fund Transfer Limit, they must submit the relevant application form to the Bank for processing.

 

Generally, the "Online Service Limit Increase" function will be enabled by default when customers apply for Corporate Internet Banking Services and Corporate Mobile Banking Services. Enabling "Online Service Limit Increase" means that customers can increase/lower their customer service limit through the "Service Limit Settings" function and the small value fund transfer limit through the "Set Small Value Fund Transfer Limit" function by their own.
If needed, customers can apply to disable the "Online Service Limit Increase" function through the "Security Settings" function in the Corporate Internet Banking Services or by submitting an application form. After disabling the "Online Service Limit Increase" function, customers can only lower the customer service limit through the "Service Limit Settings" function and lower the small value fund transfer limit through the "Set Small Value Fund Transfer Limit" function. If customers later need to increase the customer service limit or small value fund transfer limit, they must submit the relevant application form to the Bank for processing.

 

Generally, the "Online Third-party Account Registration" function will be enabled by default when customers apply for Corporate Internet Banking Services and Corporate Mobile Banking Services. Enabling "Online Third-party Account Registration" means that customers can register/amend/delete the registered third-party account through the "Third-party Account Registration" function by their own.
If needed, customers can apply to disable the "Online Third-party Account Registration" through the "Security Settings" function in the Corporate Internet Banking Services or by submitting an application form. After disabling the "Online Third-party Account Registration" function, customers can only delete the registered third-party account. If customers later need to register/amend registered third-party account, they must submit the relevant application form to the Bank for processing.

 

Administrator can manage designated user role of the corporate via “Management Centre - User Management" on Corporate Internet Banking as follows:
Operator: Add / Delete / Amend / Reset Password / Change user status / Change the functions/account authority;
Approver: Delete / Amend / Change user status / the functions/account authority;
Administrator: Change the functions/account authority;
For any other changes of Administrator or to add / reset password for Approver, please visit any branch of the Bank for the update.

 

Administrator of the corporate can manage designated user role of the corporate via "Management Centre - User Management" on Corporate Internet Banking. By clicking "Amend" after viewing the details of the user, Administrator can add/delete the functions/account authority of the user.

 

Administrator should add the authorisation template(s) for both financial transaction firstly via "Management Centre - Authorisation Management - Authorisation Template Maintenance" on Corporate Internet Banking. After the template setup, Administrator can assign the pre-defined Authorisation Template(s) for both designated transaction type/account via "Management Centre - Authorisation Management - Authorisation Mode Settings" on Corporate Internet Banking.

 

"Sequential Authorisation" requires ordered approval required for users with different authorisation levels, starting from Level C Authorised User(s), Level B Authorised User(s), to Level A Authorised User(s) for completing transactions. For using "Sequential Authorisation", transaction has to be initiated by a user not in the transaction authorisation combination or the last level authorised user of the transaction authorisation combination. For example, if the transaction authorisation combination requires one Level A authorised user and one Level B authorised user to initiate the transaction, it can be initiated by a Level C authorised user or user without an authorisation level (i.e. a user not in the transaction authorisation combination) or a Level B authorised user (i.e. the last level authorised user of the transaction authorisation combination).

 

"Non-Sequential Authorisation" does not require ordered approval, but requires fulfilling the designated number of Authoriser(s) of each approval class.

There are two types of Administrator Authorisation Mode, "Self-Authorisation" and "Mutual Authorisation". For "Self-Authorisation", operation can be completed by one Administrator without further authorisation. For "Mutual-Authorisation", operation submitted by one Administrator requires the authorisation from another Administrator. If you would like to change the Administrator Authorisation Mode, please visit any branch of the Bank.

 

IF you have any enquiries, you can call our Customer Services Hotline at (852) 3768 6888 during office hours. For details of the service hours, please refer to "Contact Us".

 

For the best performance, please access the Corporate Internet Banking Services with Chrome 81, Mozilla Firefox 65, Microsoft Internet Explorer Edge 12 or Safari 10 or above and JavaScript, TLS1.2 and Cookies must be enabled.

 

You can log on to Corporate Internet Banking Services again and enquire the transaction status under "Online Transaction Record" / "Operation Record".

 

The speed of Internet access is affected by factors like heavy Internet traffic, speed of modem and telephone lines, and server workload etc. If you encounter slow system response, please wait for a while, or you can log out from your current session and try again later.