Things on this page are fragmentary and immature notes/thoughts of the author. Please read with your own judgement!

General Tips

1. Deposit checks as soon as possible. Never sit checks in your pocket as they are not yours until you deposit them into your bank account.

2. Due to Fed regulations, a savings account can have at most 6 transfers out during each statement period.

BOA

• Account Fees

Citi

• Citi Checking Accounts

Chase

• $1,500 minimum daily balance for Chase Total Checking

• $300 minimum for Chase savings

Understanding checking and savings account fees

BMO

https://www.bmo.com/en-us/main/personal/checking-accounts/comparison/

1. BMO Smart Advantage Checking does not charge any monthly maintenance fees.

HSBC

1. No international transaction fee if you transfer money to another (international) HSBC bank account.

China Merchant Bank

1. SWIFT code for banks in China main land: CMBCCNBS.