*For latest deposit interest rates, please call our customer service hotline. Call deposit interest will be paid as per the board rate listed on withdrawal date with principal.

With our Call Deposits account, you can earn higher interest rates compared to a Savings account and enjoy the flexibility of accessing your money easily.

Click here for details of our deposits interest rates.

Note: Foreign currency cash service is applicable to USD and HKD only.

Product Instruction：

1. Call Deposit is defined as when customer fund is deposited, it is not bounded by any deposit term. For withdrawal of funds, customers have to pre-inform the Bank with the details of withdrawal date and withdrawal amount. Call Deposit products are separated as 1-Day Call Deposit and 7-Day Call Deposit. The Bank currently only offers 7-Day Call Deposit and for withdrawal of funds, customers must pre-inform the bank seven days in advance.

2. When customers select the 7-Day Call Deposit, the Bank will pay the deposit interest calculated as per the 7-Day Call Deposit board rate published by the Bank on the withdrawal date with principal. There is no separate interest calculation for any interest rate adjustments made during the interest accrual period.

3. For the situation below, the Bank will use the board rate of savings account to calculate the interest payment:

i. Actual deposit term is less than call deposit maturity term, interest will be calculated based on board rate of Savings account.

ii. Customer withdraws fund without pre-informing the Bank, the withdrawal amount interest will be calculated based on board rate of Savings account.

iii. Customer withdraws fund earlier than the pre-inform date made to the Bank or customer withdraws funds after the call deposit maturity period, the withdrawal amount interest will be calculated based on board rate of Savings account.

iv. The withdrawal amount is less than or more than the agreed amount, the shortage or excess amount’s interest will be calculated based on the board rate of Savings account .

v. The withdrawal amount is less than the minimum withdrawal amount stated by the Bank, the withdrawal amount interest will be calculated based on the board rate of Savings account.

vi. Customer has made the withdrawal notice to the Bank but the fund is not withdrawn, or customer cancels the withdrawal during the withdrawal notice period, no interest will be accrued for that period.

This Chinese version shall prevail wherever there is a discrepancy between the English version and the Chinese version.