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CTBC Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

CTBC Bank suits savers in the US who want an easy-access account with a monthly fee of $0, insured deposits and phone support, and who can accept a rate that moves with the market. Its headline rate of 1.8% to 3.3% sits under Wise at 3.29%.

Key facts

Best for
A US easy-access account with insured deposits and no monthly charge.
Headline rate
1.8% to 3.3%↗
Rate type
Variable↗
Minimum deposit
$250↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
6 limited withdrawals or transfers per calendar month; withdrawals by branch visit, online transfer between CTBC accounts, or wire transfer↗
Monthly fee
$0↗
Account kind
Easy access↗
Legal entity
CTBC Bank Corp. (USA)↗
Headquarters
United States↗
Founded
1966↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
ctbcbankusa.com

Loans

Lender type
Direct lender↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Deposits are covered by FDIC up to USD 250,000, and the bank is supervised in the US by the FDIC.
  • The savings account is no monthly fee, with a monthly fee of $0.
  • Promotional rates of 1.8% to 3.3% come close to Wise at 3.29% without a fixed-term commitment.
  • Support runs on phone, email and help centre, and spending draws on a debit card.

Cons

  • The rate is variable, so 1.8% to 3.3% can move rather than stay fixed for a term.
  • Access terms allow a limited number of withdrawals or transfers per calendar month, by branch visit, online transfer between CTBC accounts or wire transfer.
  • A minimum deposit of $250 is needed to open, higher than the site figure of €0.88.
CTBC Bank

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Savers in the US who want easy access, insured deposits and help on the phone.
  • People who can hold a variable rate and still earn a competitive return on promotion.
  • Anyone happy to open with a minimum deposit of $250 and keep the balance in one place with a debit card.

Who should look elsewhere

  • Wise, if the headline rate settles it: 3.29% against 1.8% to 3.3% here.
  • bunq, which pays a headline rate of 3.01% to savers on its own platform.
  • Finteres, whose headline rate of 0% to 36% spans a very wide spread and needs a careful read.

Rates and card terms

The savings rate is variable, so the return can move with the market rather than staying locked. Promotional headline rates run 1.8% to 3.3%, a range that opens below Wise at 3.29% and tops out close to it. The site median for this family is 3%, and most listed savings accounts sit on variable pricing, so check what holds after the promotion ends.

How CTBC Bank compares

Where CTBC Bank is available

Available
United States
Licence in United States
FDIC, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep money in a CTBC Bank savings account?+

The savings account carries a monthly fee of $0 and sits in the no monthly fee category, so there is no regular charge for holding the balance. The figure that matters more is what the money earns: 1.8% to 3.3% on promotion, and the rate is variable rather than locked for a term.

Is my money protected at CTBC Bank?+

Deposits are covered by FDIC up to USD 250,000, the US deposit insurer named for the account, and the bank is supervised in the US by the FDIC. The account holder is CTBC Bank Corp. (USA), so the money sits with a regulated US bank rather than an offshore platform.

How many withdrawals can I make from the account?+

Access terms allow a limited number of withdrawals or transfers per calendar month. Money comes out at a branch visit, through an online transfer between CTBC accounts, or as a wire transfer. Plan cash timing around the easy access account, because the limit applies to the access rules rather than the rate.

Who runs the account and where is the bank based?+

The account is run by CTBC Bank Corp. (USA), headquartered in the United States and trading since 1966. It is a direct lender, so the same institution holds the savings balance and runs its own lending, which keeps the money and the counterparty in one place.

Does CTBC Bank offer a card with the account?+

The card attached to the bank is a debit card, so spending draws straight on the balance you hold. The account listing carries no rewards scheme, and the card pairs with savings that pay a variable rate of 1.8% to 3.3% on promotion.

How do I get help if something goes wrong?+

Support runs on phone, email and help centre. The phone line suits anyone who wants to talk the withdrawal limit and rate mechanics through with a person, and the help centre handles routine questions on your own schedule. The listed channels stop at those three, with no chat or community route attached.

Who should open this account?+

It suits savers in the US who want easy access rather than a fixed term, can accept variable pricing, and want deposits covered by FDIC up to USD 250,000. The trade-off is the $250 opening deposit and a rate that trails Wise at 3.29% at the top of the range.

How does the rate compare with other savings accounts?+

On the same measure, 1.8% to 3.3% sits below the site figure of 3% and below Wise at 3.29%. bunq pays 3.01% and Finteres spans 0% to 36%, so look at the top of the range before moving money.

Sources

  • en.wikipedia.org/wiki/CTBC_Bank checked September 26, 2026

    Backs: Lender type

    “Taiwan's largest private bank and its second-largest commercial bank by equity”

  • msledd.com/ctbc-bank-chinatown-hours-of-operation/410242 checked September 26, 2026

    Backs: Founded

    “Established in 1966, CTBC Bank has been building customers wealth”

  • ctbcbankusa.com checked September 26, 2026

    Backs: Card type, Deposit protection, Headquarters, Legal entity, Licences

    “Debit Cards”

  • ctbcbankusa.com/Personal-Savings checked September 26, 2026

    Backs: Access terms, Account kind, Minimum deposit, Pricing model, Monthly fee, Support channels

    “The number of certain types of withdrawals and transfers from savings account is limited to a combined total of 6 per calendar month per account”

  • ctbcbankusa.com/Promotions checked September 26, 2026

    Backs: Headline rate

    “Opening balance of $0 - 49,999.99 will receive 1.80% APY; $50,000+ will receive 3.30% APY (Annual Percentage Yield as of 09/09/2025)”

  • ctbcbankusa.com/Rates checked September 26, 2026

    Backs: Rate type

    “Variable-Rate Accounts - Savings Account - Online Personal Savings”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

CTBC Bank

CTBC Bank

A US easy-access account with insured deposits and no monthly charge.

9.1/10See alternatives