CTBC Financial Holding Company Ltd

CTBC Financial Holding Company Ltd is a financial holding company headquartered in Taipei, Taiwan. It is one of the largest financial holding companies in Taiwan and provides a range of financial services including commercial banking, investment banking, wealth management, insurance, and securities brokerage services.

CTBC Financial Holding Company Ltd was founded in 1966 as Chinatrust Investment Company. Over the years, the company expanded its operations and in 2016, it changed its name to CTBC Financial Holding Company Ltd.

The company operates through its subsidiaries, including CTBC Bank, CTBC Securities, CTBC Life Insurance, CTBC Investments, and CTBC Asset Management. It has a strong presence in Taiwan, with over 150 branches, and also has a growing international presence with branches in the United States, Canada, Japan, Hong Kong, Singapore, and other countries.

CTBC Financial Holding Company Ltd is known for its strong financial performance, with a focus on innovation and customer service. It has received numerous awards and recognitions over the years, including being named “Best Bank in Taiwan” by Global Finance magazine in 2020.

CTBC Financial Holding Company Ltd (CTBC) is a financial services conglomerate based in Taiwan. It was founded in 1966 and is headquartered in Taipei. CTBC operates through various subsidiaries, providing a wide range of financial services such as banking, insurance, brokerage, investment banking, asset management, and trust services.

The company’s banking subsidiary, CTBC Bank, is one of the largest privately-owned banks in Taiwan, with a network of over 150 branches and offices in Taiwan and overseas. Its insurance subsidiary, CTBC Insurance, offers life insurance, property insurance, and various other types of insurance products.

CTBC also has a presence in other countries such as the United States, Japan, Hong Kong, and the Philippines, among others. The company has been expanding its business globally through mergers and acquisitions, with the aim of becoming a leading financial services provider in the Asia-Pacific region.

As of September 2021, CTBC Financial Holding Company Ltd had a market capitalization of approximately US$26 billion.

CTBC Online Personal Checking Account

CTBC Bank offers an online personal checking account, called CTBC Personal eChecking Account, which allows customers to manage their money conveniently and securely from their computer or mobile device.

Some of the key features of the CTBC Personal eChecking Account include:

1. No minimum balance requirement: Customers are not required to maintain a minimum balance in their account.
2. No monthly service fees: CTBC does not charge any monthly maintenance fees for this account.
3. Unlimited transactions: Customers can make unlimited transactions, including transfers, bill payments, and withdrawals.
4. Free ATM withdrawals: CTBC offers unlimited free ATM withdrawals at its own ATMs and those within the Taiwan Financial Alliance network.
5. Online banking and mobile app: Customers can access their account information, view transactions, and make transfers using CTBC’s online banking platform and mobile app.

To open a CTBC Personal eChecking Account, customers can visit the CTBC Bank website or a CTBC Bank branch. They will need to provide personal identification documents such as their passport or national ID card, and proof of address.

CTBC Wire Transfers and Safe Deposit Box

CTBC Bank offers wire transfer services and safe deposit boxes for its customers.

Wire Transfers: CTBC Bank offers both domestic and international wire transfer services. Customers can initiate wire transfers from their CTBC account to other bank accounts in Taiwan or overseas. They can do so either online through CTBC’s online banking platform or by visiting a CTBC Bank branch. Wire transfer fees may apply depending on the destination and currency of the transfer.

Safe Deposit Boxes: CTBC Bank also provides safe deposit box services to its customers for the safekeeping of important documents, valuables, and other items. Safe deposit boxes come in various sizes and customers can choose one that suits their needs. The contents of the safe deposit box are accessible only by the customer or authorized signatories. Rental fees for safe deposit boxes are charged annually, and customers can pay for the rental fees through their CTBC Bank account or in person at a CTBC Bank branch.

Customers can visit the CTBC Bank website or a CTBC Bank branch for more information on these services and their associated fees.

CTBC Savings and CD Accounts

CTBC Bank offers savings and CD (certificate of deposit) accounts to its customers. Here are some details about these accounts:

Savings Accounts: CTBC Bank offers several types of savings accounts, including the CTBC MyChoice Savings Account, CTBC Smart Savings Account, CTBC i-Save Account, and CTBC Timeless Savings Account. Each of these accounts comes with different features and benefits. For example, the CTBC MyChoice Savings Account offers a tiered interest rate structure and no minimum balance requirement, while the CTBC Timeless Savings Account offers a fixed interest rate for a specific term.

CD Accounts: CTBC Bank offers CD accounts with terms ranging from 1 month to 5 years. Customers can choose from several CD options, including regular CDs, step-up CDs, and flexible CDs. The interest rate for a CD account is fixed for the term of the CD and may be higher than the interest rate for a savings account. However, early withdrawal penalties may apply if customers withdraw their funds before the CD maturity date.

Customers can open savings and CD accounts online or in person at a CTBC Bank branch. They will need to provide personal identification documents such as their passport or national ID card, and proof of address. CTBC Bank also offers online banking and mobile app services, which allow customers to manage their accounts conveniently from their computer or mobile device.

CTBC Online Personal Savings Account

CTBC Bank offers an online personal savings account called CTBC Personal eSaving Account, which allows customers to manage their savings conveniently and securely from their computer or mobile device.

Some of the key features of the CTBC Personal eSaving Account include:

1. No minimum balance requirement: Customers are not required to maintain a minimum balance in their account.
2. No monthly service fees: CTBC does not charge any monthly maintenance fees for this account.
3. Competitive interest rates: The account offers competitive interest rates that are tiered based on the account balance.
4. Online banking and mobile app: Customers can access their account information, view transactions, and make transfers using CTBC’s online banking platform and mobile app.
5. Free ATM withdrawals: CTBC offers free ATM withdrawals at its own ATMs and those within the Taiwan Financial Alliance network.

To open a CTBC Personal eSaving Account, customers can visit the CTBC Bank website or a CTBC Bank branch. They will need to provide personal identification documents such as their passport or national ID card, and proof of address. Once the account is opened, customers can start transferring funds into the account and earning interest on their savings.

CTBC Business Online Banking

CTBC Bank offers business online banking services to its business customers, which provides a convenient and secure way to manage their accounts online.

Some of the key features of CTBC Business Online Banking include:

1. Account Management: Business customers can view account balances and transaction histories for their CTBC accounts, including checking accounts, savings accounts, and loans.
2. Fund Transfers: Business customers can transfer funds between their CTBC accounts or to accounts at other banks within Taiwan or overseas. They can also schedule recurring transfers and make payments to vendors and suppliers.
3. Bill Payment: Business customers can pay bills online, including utilities, taxes, and other payments, through CTBC Bank’s bill payment service.
4. Multi-Level User Access: Business customers can assign different levels of access to different employees or users, allowing them to control who can perform certain tasks or view certain information.
5. Mobile Banking: CTBC Business Online Banking is also available through a mobile app, which allows business customers to manage their accounts and perform transactions from their mobile devices.

To enroll in CTBC Business Online Banking, business customers can visit a CTBC Bank branch or contact their relationship manager. They will need to provide documentation to verify their identity and authorize access to their accounts. Once enrolled, customers can log in to the online banking platform using their username and password.

CTBC Debit Cards

CTBC Bank offers several types of debit cards to its customers, including the CTBC Bank Debit Card, CTBC Easy Card, and CTBC iCash Card. Here are some details about these cards:

1. CTBC Bank Debit Card: The CTBC Bank Debit Card is a standard debit card that can be used for ATM withdrawals and purchases at merchants that accept Visa or Mastercard. Customers can also link their debit card to their CTBC Bank account to make online purchases and bill payments. This card also offers contactless payment options such as Visa Paywave and Mastercard Paypass.
2. CTBC Easy Card: The CTBC Easy Card is a contactless debit card that can be used for public transportation in Taiwan, including the Taipei Metro, bus systems, and other public transit networks. Customers can also use this card to make purchases at participating merchants in Taiwan that accept EasyCard.
3. CTBC iCash Card: The CTBC iCash Card is a reloadable prepaid card that can be used for ATM withdrawals, purchases at merchants that accept Visa or Mastercard, and online purchases. This card can be reloaded at CTBC Bank branches or through CTBC Bank’s online banking platform.

All CTBC Bank debit cards come with a PIN (Personal Identification Number) for security and are protected against fraudulent transactions. Customers can also set up transaction alerts and notifications to monitor their account activity.

To apply for a CTBC Bank debit card, customers can visit a CTBC Bank branch or apply online through the bank’s website. They will need to provide identification documents and proof of address to verify their identity.