Skip to main content

To find your account number on the Mobile App, tap your account on the Dashboard. On the Transaction History page, tap Account Details to view your account number.

To find your account number in Online Banking, select the eye icon next to the last four digits of your account to view your account number.

On the dashboard tap on your account balance to enter the transaction history page. Tap Account Details, then tap View Statements.

To view your accounts statement in Online Banking, click on the 3 dots on the dashboard next to your account’s available balance and select View Statements.

The routing number is a nine digit number used to identify a U.S. financial institution.

Within the U.S. you’ll need to provide both your East West Bank account number and the East West Bank routing number to receive money into your account or move money out of your account.

The East West Bank routing number is: 322070381

ACH transfers are electronic payments made through the ACH Network – a U.S. nationwide network that enables the transfer of funds between banks and financial institutions electronically. ACH transfers usually take 3 to 5 business days to process.

A wire transfer is a method of transferring funds electronically between banks from one account to another.

Wire transfers from a U.S. bank account typically take 1-3 business days to reach other U.S. bank accounts. International wire transfers typically take 5-7 business days.

An IBAN (International Bank Account Number) is a unique number used to identify a customer’s bank account. Not all countries use IBANs, but for some countries an IBAN is required when sending international wire transfers.

The structure of an IBAN will vary by country – but it will always start with a 2-letter country code (e.g., VG for British Virgin Islands, GB for Great Britain, etc.).

A SWIFT code is an international code that identifies a specific bank worldwide. It's also known as a Bank Identification Code (BIC).

A SWIFT code consists of 8 or 11 characters and is required when sending an international wire transfer.

East West Bank’s SWIFT code is EWBKUS66XXX

When setting up an ACH transfer from a U.S. bank, brokerage or third party payment provider to your East West Bank account – you may be asked to verify your transfer instruction using trial deposits (also referred to as test deposits or micro deposits).

  1. Input your East West Bank account information where required and submit your ACH transfer request.
  2. If trial deposits / test deposits / micro deposits are the required verification method, follow the instructions provided by the external U.S. bank, brokerage, or third party payment provider for verification.
  3. Generally, within 1 – 3 business days after you submit the ACH transfer request, you should start checking your transaction history for 2 small deposits (each less than $1.00). To access your transaction history, go to your app Dashboard, and tap the account under My Accounts.
  4. Once you confirm that the 2 small deposit amounts (exact amount will be provided by the sending bank, brokerage or payment provider) have been received in your East West Bank account, you should complete the verification process as instructed on the external U.S. bank, brokerage or third party payment provider’s platform.

If you do not complete verification within the specified amount of time (exact duration determined by the sending bank, brokerage or payment provider), the test deposits will expire and you will need to restart the process again.

For most accounts, you can avoid an account maintenance fee by maintaining a specific monthly average balance.  To learn more, take a look at your specific account's terms and conditions.  If you still have questions, contact our Customer Support Center.

For products that can be digitally opened, the product terms and conditions are also available online:

Mobile App:  Tap My Account > Privacy and disclosures > Then select the terms and conditions for your account type.

Online Banking: Select Document Center > Privacy & Disclosures > Then select the terms and conditions for your account type. 

For most accounts, you can avoid an account maintenance fee by maintaining a specific monthly average balance.  To learn more, take a look at your specific account's terms and conditions.  If you still have questions, contact our Customer Support Center.

For products that can be digitally opened, the product terms and conditions are also available online:

Mobile App:  Tap My Account > Privacy and disclosures > Then select the terms and conditions for your account type.

Online Banking: Select Document Center > Privacy & Disclosures > Then select the terms and conditions for your account type. 

For most accounts, you can avoid an account maintenance fee by maintaining a specific monthly average balance.  To learn more, take a look at your specific account's terms and conditions.  If you still have questions, contact our Customer Support Center.

For products that can be digitally opened, the product terms and conditions are also available online:

Mobile App:  Tap My Account > Privacy and disclosures > Then select the terms and conditions for your account type.

Online Banking: Select Document Center > Privacy & Disclosures > Then select the terms and conditions for your account type. 

The following bank fee applies to transfers to and from your consumer  account: 

Transfer Fees
Incoming wire $10 Per transaction*
If you are in your first two statement cycles, your incoming wire fee will be waived.
Note: First statement cycle may not be a full month. $10 incoming wire fee will apply after the first two statement cycles.
Domestic wire $30 per transaction
International wire $40 per transaction
ACH No Charge
Alipay to China $15 per transaction
Internal Transfer No Charge

Note: The other sending or receiving bank of financial institution may apply additional fees or charges
*Waived for Global Checking customers with Velo Gold status

The following bank fee applies to transfers to and from your Standard Business Checking account:

Transfer Fees
Incoming wire $10 Per transaction*
If you are in your first two statement cycles, your incoming wire fee will be waived.
Note: First statement cycle may not be a full month. $10 incoming wire fee will apply after the first two statement cycles.
Domestic wire $30 per transaction
International wire
  • $40 per transaction - USD delivery
  • $25 per transaction - Foreign currency delivery (supported currencies only)
Note: Our Online Banking Service currently supports select delivery in 8 foreign currencies:  AUD, CAD, CHF, EUR, GBP, HKD, JPY, SGD.
ACH
1 – 10 next Business Day Delivery transfers (per month)
  • $0 per transaction
  • $4 per transaction - 11 or more (per month)

1 – 10 next Standard Delivery transfers (per month)

  • $0 per transaction
  • $4 per transaction - 11 or more (per month)
Internal Transfer No Charge

Note: The other sending or receiving bank of financial institution may apply additional fees or charges.

 

Debit Card

Having a Visa Debit Card will not only make online and in store purchases at merchants in the U.S and abroad seamless, but can also be used to withdraw cash at ATMs. Global Student account holders may also enjoy access to ATMs in the U.S. without worrying about surcharges1.

Disclosure:

There is no charge for using an East West Bank ATM. Non East West Bank ATM usage fees may be charged to your account at the request of the 3rd party operating the ATM. If you use your Debit Card to initiate an ATM transaction from your account, we will refund the ATM usage fees to your account each statement cycle. This waiver does not apply to any ATM NSF fees that are the result of your account being overdrawn by an ATM transaction. Please refer to the Annual Percentage Yield and Account Terms disclosure for details.

If you have a Premier e-Checking or Global Student account, you can order a debit card in the Mobile App under Manage Account  > My Debit Cards > Request Card.

Note: If your debit card will be shipped to China, you’ll be charged a $20 international mailing fee to cover shipping and handling costs. Waived for Global Checking customers with Velo Gold status. International Shipping fee is applicable to select countries only. 

Upon requesting your debit card in the Mobile App, you should expect to receive your card within:

  • 7 – 10 business days if shipping within the U.S.
  • 3 – 4 weeks if shipping to China
  • 3 – 6 weeks if shipping internationally (excluding China)

Secured Credit Card

A Secured Credit Card is a credit card that allows you to establish or rebuild credit with responsible use.  Secured Cards require a refundable security deposit that is held as collateral for the account.

A history of on time payments and moderate use of credit card accounts, along with other factors, helps build a good credit history.  Your activity on a Secured Card is reported monthly to Experian, one of the three major Credit Reporting Agencies (CRAs) in the U.S.  Your usage of the Secured Card and payment history can help to build your credit score1.

If you meet the following requirements, you may apply for a secured card by navigating to the Explore More Products section on the app Dashboard, finding the Secured Credit Card tile in the carousel, and tapping Learn more.

Requirements for a Secured Card:

1) You must be 18 years old or older

2) Have a US home addresses in one of the following states: California, Washington, Nevada, Texas, New York, Massachusetts and Georgia

3) Have a US mobile phone number

4) You must have an EWB deposit account with funds equal to your chosen credit limit.  A hold will be placed on that account for the credit limit amount.

Disclaimer:

1 We may report information about the status and payment of your Account to credit reporting agencies and other creditors.  East West Bank will report this information using the available personal identifying information you have provided to us or provide to us at a later date.  However, based on your overall credit profile, we cannot guarantee the credit reporting agencies will develop a credit score if your overall credit profile is limited. You can learn more about how we report Credit in your Secured Visa® Classic Credit Card Agreement.

Bill Pay

Bill Pay allows you to pay bills from your checking account to payees located in the U.S.  You can also use the service to review your bill payment history, and pending bill payments. 

We do not charge a fee for using the Bill Pay service. You may incur a Non-Sufficient Funds fee if your bill payment overdraws the available balance in your account or incur fees or penalties if we or our service provider are required to initiate a collection action.  You can refer to the Fee Schedule and Online Banking Agreement for additional information. Additionally, you may incur fees or charges from your 3rd party payee.  You should contact them directly for details.

Branch & ATM Locator

On the Mobile App tap Help Center > Find Branch & ATM, and then tap the Search icon on the top right hand corner to find the East West Bank branches and ATM locations near you. 

In Online Banking on the navigation bar at the top of the page, click Help > Find Branch & ATMs.

Certificates of Deposit

A certificate of deposit (CD) is an interest-bearing deposit account, where funds must remain in the CD account for a certain length of time in order to earn a promised rate of return. CDs are offered for a variety of maturity timeframes, ranging from 32 days to 5 years. If funds are withdrawn before the maturity date, an early withdrawal penalty will apply, and your earnings will be reduced. If applicable, the early withdrawal penalty is first deducted from any interest that has been credited to the CD during the term and then, if necessary, from the principal balance.

The FDIC (Federal Deposit Insurance Corporation) insures up to $250,000, per insured bank for each ownership category. East West Bank is an FDIC-insured bank, and the CD account is covered by the FDIC.

The minimum initial deposit to open a CD is $1,000. You may open a CD by selecting a CD and specifying the deposit amount. Your CD account must be funded at the time of opening by transferring available funds from your checking account.

On the Mobile App Dashboard, tap My Account > Invite a Friend, earn $20 to view and share your invite code.

Check out our Referral Program page for more details on program eligibility and qualification requirements.

Note:  Access is currently only available in our Mobile App.

On the Mobile App Dashboard, tap My Account > Invite a Friend, earn $20 to view and share your invite code.

Check out our Referral Program page for more details on program eligibility and qualification requirements.

Note:  Access is currently only available in our Mobile App.

On the Mobile App Dashboard, tap My Account > Invite a Friend, earn $20 to view and share your invite code.

Check out our Referral Program page for more details on program eligibility and qualification requirements.

Note:  Access is currently only available in our Mobile App.

East West Bank does not authorize third parties to charge a service fee to open personal bank accounts for prospective customers. Prospective customers can apply for a new East West Bank account for free.

Yes, you can use your personal banking credentials to login to BusinessExpress and can view your business accounts on the account dashboard. However, customers with both personal and business accounts, can seamlessly switch between the two platforms. The switch card on the account dashboard helps users to toggle between the two platforms.

BusinessExpress is designed keeping sole proprietors and micro-small businesses in mind. Customers with analyzed accounts requirements, can refer to our businessBridge® Premier Platform.

Yes, to add your East West Bank personal account, please get in touch with your relationship manager or click here to Contact Us.

Yes, you can transfer funds from your business account to a personal account or any account you own at other banks. Please refer to Linking with US Banks section under FAQs for more detailed information.

Yes, you can sign up for BusinessExpress Bill Pay service on your mobile app or Online banking.

There is a daily limit and a rolling limit (Current Day + 29 Calendar days) for Mobile Check Deposits and the limits are displayed when you select Check Deposit on the mobile app.

You can locate your check under Transaction Activity of the account the money is transferred to. You can view the check images here and download a copy of the check for future references.

BusinessExpress does not charge any additional fees for Mobile Check Deposit.