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Helping our customers manage their finances is an important part of our commitment to serve as your financial bridge. As you may be aware, federal regulations have changed the way banks can charge overdraft fees for everyday debit card purchases and ATM withdrawals.

As a result of these changes, if you don’t have enough money in your account for an everyday, non-recurring debit card purchase or ATM withdrawal, your transaction will be declined, and you won’t be charged an overdraft fee.

However, if an overdraft occurs due to other types of transactions, such as a recurring debit card or check transaction, an overdraft fee will be assessed.


Overdraft Protection

Overdraft Protection gives you the flexibility to write checks, pay for purchases or make withdrawals even when you don't have enough money in your checking account at the exact time of the transaction. 

With Overdraft Protection, available funds are automatically transferred from your linked account(s), allowing the transaction to be completed and helping you to avoid costly overdraft fees.


East West Bank Overdraft Protection Options:

  • Link your checking account to another East West savings or checking account.
  • Linking your primary personal checking account to your savings or other checking account for overdraft protection purposes allows you to use your own funds to help avoid overdraft situations. If your primary checking account is overdrawn, available funds from the linked savings or checking account will be transferred automatically to cover the difference. Although an overdraft transfer fee will be assessed, the charges are generally less than an overdraft or returned item fee.

How do I request Overdraft Protection?

Please visit any East West Bank Branch to set up overdraft protection for your deposit accounts. For branch locations, please call our Customer Service Center at 888-895-5650 or click here for branch locations.


Mobile & Online Banking* Services

East West Bank’s Consumer Online Banking Services offer a fast and convenient tool to help you manage your account balances and avoid overdraft situations.

  • Check your account balance from your personal computer or mobile phone* at any time.
  • Conduct immediate funds transfers between qualified accounts when the balance in your checking account is running low.
  • Set up email alerts that inform you of certain events such as when your account balance falls below the amount you define.


* To access mobile banking, you must first enroll in our online banking service. View the Online Banking Agreement for more information about both online and mobile banking. While East West Bank charges no fees for our Online and Mobile Banking services, internet, text and wireless carrier data access fees may apply depending on your plan. Check with your service provider for details. Internet access is needed to use Online Banking Services, Mobile Apps and Mobile Web.

How Do I Sign Up for Online Banking?

Enroll online or visit your local branch.


How do I sign up for Mobile Banking?

Mobile Banking Services are available to consumer Online Banking users only. To learn more about Mobile Banking at East West Bank, please click here.


24-hour Automated Telephone

Using East West Bank’s 24-hour Automated Telephone Banking service, you may check your account balance or conduct immediate funds transfers between your linked accounts from any phone by calling our toll-free number at 800-809-6761.

How can I activate 24-hour Automated Telephone?

Please call our toll-free number at 800-809-6761 to start accessing your account or visit your local branch.


Account Management Skills

Below are a few simple tips that anyone can use to help avoid overdraft situations:

  • Record your transactions either in a register or by using an online financial tracking tool to help ensure that you always know your “actual” account balance based on the transactions you have initiated.
  • Hold on to your debit card/ATM receipts and ensure that they are promptly recorded in your transaction register. This will help to avoid the simple balancing mistake of forgetting about a transaction, which can lead to an overdrawn account.
  • Be aware that check and other transaction clearing methods have been automated so transactions are in fact debited from your account much more quickly than they were in the past.

How can I get more information about the services offered by East West Bank?

Visit your branch today and speak to one of our account representatives to learn more about East West Bank’s Overdraft Protection, Online/Mobile Banking and Automated Telephone Banking service options, and how YOU can set up or apply for these services. If you are an existing account holder, you can also sign up for our consumer Online Banking service online here or contact our Customer Service Center at 888-895-5650  (Monday through Friday: 6:00 am to 7:00 pm PT, Saturday 9:00 am to 5:00 pm PT) for assistance.

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Mon - Fri: 6:00 am to 7:00 pm PT
Sat: 9:00 am to 5:00 pm PT