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Current Location >> Personal Banking>> Banking Services>> Deposits>> Current Deposit


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

  • You may apply for BOCOM Card, Phone Banking and Internet Banking.

  • Cheque books can be applied through ATM, Phone Banking and Internet Banking.

  • You can make HKD cash and cheque deposits and withdrawals at any of our outlets, and enjoy easy fund management.


Account Opening Appointment


USD Current Accounts

  • Cheque books can be applied through Phone Banking and Internet Banking.
  • Pay directly in USD and save demand-draft and TT charges.
  • Deposit and withdraw USD notes at any of our outlets to make easy payment arrangements.


RMB Current Accounts

  • Individual customers can draw Renminbi cheques for the purpose of making payments for personal consumer spending in Guangdong Province (including Shenzhen) and/or used in Hong Kong.
  • Use of Renminbi cheques in Guangdong Province (including Shenzhen) is subject to the maximum amount per cheque of RMB80,000 and the daily clearing limit of RMB80,000.
  • Use of Renminbi cheques in Hong Kong should comply with the usual banking practices in Hong Kong.


Cheque Book Application

  • Application is simple and you may apply by visiting our outlets in person or by mail.
  • HKD Cheque books can be applied through ATM, Phone Banking and Internet Banking.


e-Cheque Drop Box

  • For presenting / depositing e-Cheque via HKICL's e-Cheque Drop Box, click here. (You will enter a third party website by clicking this link and the Bank's privacy policy ceases to apply. This link is provided for your convenience only and shall not be regarded as an endorsement or verification of such linked website or its contents by the Bank. The Bank has no liability nor responsibility for your visit and use of any contents or services provided by the third party website via this link.)


Friendly Reminder: Definitions of Dormant Accounts

  • Any account with no transaction record for 2 consecutive years.
  • Please refer to HKAB's publication "Understanding Dormant Accounts" at the HKAB website.

Account Balance Notices

“Current Balance” and “Available Balance” may differ, as “Current Balance” may include uncleared cheques and frozen funds. To protect your interests, please read carefully and fully understand the differences between “Current Balance” and “Available Balance”.

  1. “Current Balance”: Refers to the total balance in the account, including “Available Balance” and “Unsettled Balance”. “Unsettled Balance” means funds deposited but not yet settled into the account (including but not limited to uncleared cheques and frozen funds, etc.).
  2. “Available Balance”: Refers to the amount after deducting “Unsettled Balance” from “Current Balance”, which is the actual funds available for immediate withdrawal or use in the account.

The balances shown in the Bank’s passbooks / statements / account summaries are all “Current Balance”, which may include unsettled or frozen funds that are temporarily unavailable for use. Such funds will generally be processed on the next business day (excluding Saturdays) or the designated settlement date. Please note that cheques return or refund may occur.

Understanding the differences between “Current Balance” and “Available Balance” will help in personal financial management and avoiding potential financial risks. Before making any withdrawal, transfer, or cheque issuance, please always verify the “Available Balance”.

You may check your account’s “Available Balance” by logging in to our Internet Banking /Mobile Banking or visiting any of our branches during office hours.




Contact Us

Customer Service Hotline: 223 95559 Customer Service Hotline: 223 95559

Please visit any of our outlets Please visit any of our outlets