Current Deposit services help you "Manage your wealth with flexibility and comprehensiveness"

With Bank of Communications HKD or USD or RMB current accounts, we put flexibility into your personal finance management.

HKD Current Accounts

No initial deposits required.
You may apply for "BOCOM Card", "Telephone Banking" and "Internet Banking " .
Cheque books can be applied through ATM, Internet Banking.
You can make HKD cash and cheque deposits and withdrawals at any of our branch or sub-branches, and enjoy easy fund management.

USD Current Accounts

No initial deposits required.
Cheque books can be applied through ATM, Internet Banking.
Pay directly in USD and save demand-draft and TT charges.
Deposit and withdraw USD notes at any of our branch or sub-branches to make easy payment arrangements.

RMB Current Accounts

No initial deposits required
Renminbi cheques can only be issued for the purpose of making payments for the Customer's personal consumer spending in Guangdong Province (including Shenzhen).
Daily accumulative payment amount will be limited to RMB80,000.
Daily credit balance of RMB Current Account should not exceed RMB80,000.

Cheque Book Application

Application is simple and you may apply in person or by mail.
Cheque books can be applied through ATM and Internet Banking.

Friendly Reminder: Definitions of Dormant Accounts and related charges

Any account with no transaction record for 2 consecutive years.
A fee will be levied every 6 months for accounts with balance falling below HK$2,000 or its equivalent.
Fees are debited on next working day of the end of June and December each year.
HKD deposit general fees: HK$100.
An equivalent of HK$100 (in the deposit currency) will be debited from every foreign-currency deposit.
The Bank may close any account bearing a zero balance without further notice. (Please refer to HKAB's publication "Understanding Dormant Accounts" at the HKAB website.)

Bank of Communications Co., Ltd Hong Kong Branch is a member of the Deposit Protection Scheme. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$100,000 per depositor. The repayment of eligible deposits in excess of the amount protected under the Scheme taken by this Bank is guaranteed by the Hong Kong SAR Government's Exchange Fund, until the end of 2010.