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Q&A

 

Banking Overview

Q: Could you please give me a brief introduction of ICBC (USA)?
A: Please go to About Us > Introduction for details.

Q: What are the contact information of branches?
A: Please go to Customer Service > Contact Us for details.

Q: What are the opening hours in your bank?
A: Please go to Customer Service > Office Hour for details.

VISA Debit Card

1.What is my ICBC (USA) Visa® Debit Card?
The ICBC (USA) VISA® debit card is a full-featured debit card issued by our bank and licensed by the VISA®, PLUS® and STAR® networks. Customers may use this debit card to make purchases on point-of-sale (“POS”) terminals, conduct activities on ATM terminals, make purchases or payments with online merchants, and book car rentals or hotel reservations, etc., providing that the merchants support at least one of the three networks referenced above.

2.How can I activate my ICBC (USA) VISA® debit card?
To activate the card, follow either of the following steps:

By Internet: Visit ICBC (USA)’s website at www.icbc-us.com, log in to the Internet Banking, select Customer Service, follow the on-screen prompts to activate.

By Phone: Call any ICBC (USA) branch during regular business hours and request a Customer Service Representative to activate for customer. For a complete list of branch telephone number and business hours, please see “Contact Us” section.

By Person: Visit any ICBC (USA) branch during regular business hours and request a Customer Service Representative to activate for customer. For a complete list of branch telephone number and business hours, please see “Contact Us” section.

3.What is the PIN (“Personal Identification Number”) and when should I use the PIN?
The debit card PIN is a unique 4-digit password that is either issued to customer or set by customer that helps to authenticate transactions. Cardholder should always use his/her PIN whenever the acceptance terminal requests it, such as making debit card purchases on POS terminals or withdrawing funds from ATMs. Cardholder should safeguard his/her PIN and do not share it with any unauthorized person.

Using the PIN overseas:
Sometimes when using the card in a foreign country and the card acceptance terminal may request for a 6-digit PIN; in such case, please add two zeros to the end of your 4-digit PIN to complete the transaction.

For example:
4-digit PIN: 1234 ==> 6-digit PIN: 123400

4.Can I change my PIN or reset my PIN?
Yes. To change or reset the existing PIN, cardholder may visit any ICBC (USA) branch during regular business hours and ask a Customer Service Representative to assist. Cardholders may also use any ATMs bearing a STAR® logo within the United States to change the PIN.

Please look for ATMs where a STAR® logo is visible on the machine:

5.What is different between a signature and a PIN transaction?

Signature-based PIN-based
A signature transaction (or usually known as PIN-less or credit transactions) does not require PINs but asks for your signature A PIN transaction always asks for PINs. Both types of transactions are supported by your debit card
Transaction environment includes but not limited to: Gasoline purchase (credit sale), POS terminals, restaurant purchase, online or when cardholder elects to press “credit” on the card acceptor device. Transaction environment includes but not limited to: Gasoline purchase (debit sale), POS terminals, ATMs, or when cardholder elects to press “debit” on the card acceptor device.

6.Can I link multiple accounts under my card?
At card opening:
There will be a checking account used as main account to be linked with customer’s card.

After card issuance:
Customer may request to link additional checking and/or savings accounts to his/her card (or unlink accounts) at any time. When conducting transactions, only the main checking account and main savings account will be used.

•When making purchases, only the main checking account will be used.
•When making ATM inquiries, withdrawals or transfers, only the main checking account and main savings account (with the smallest S/N in CTB) will be used.

7.How can I view my card activities?
The most convenient way to view customer’s card activities is to use his/her ICBC (USA) Internet Banking to inquire account details. Customer will also see the detailed card activities on your monthly account statement.

8.What can I do if my debit card is lost or stolen?
Please let customers contact their local ICBC (USA) branch immediately when his/her card is lost or stolen. If the loss or stolen occurred outside the normal banking hours, please let customers call 1-800-VISA-911 (1-800-8472-911) to report the loss/stolen event, as well as report to the local law enforcement agencies.

9.What can I do if I notice fraudulent or unauthorized transactions on my debit card?
Please let customers contact his/her local ICBC (USA) branch immediately when they notice fraudulent transactions or unauthorized transactions, the branch staff will assist to establish the hot card status. If fraudulent or unauthorized event occurred outside normal banking hours, please call 1-800-VISA-911 (1-800-8472-911) to report the event.

It is important to let customers know to take proper actions to dispute fraudulent or unauthorized transactions, follow the bank procedures and they will not be liable for any fraudulent or unauthorized transactions. For more details, they may ask an ICBC (USA) staff when opening the cards.

10.Can I replace my debit card and still keep my existing number?
ICBC (USA) accepts card replacement request during regular business hours:

If customer’s debit card is lost or stolen:
ICBC (USA) will replace their card and order new cards, customers will not be able to keep your existing card number once reported loss or stolen.

If customer’s debit card is damaged:
ICBC (USA) will replace their card and order new cards, customers may keep the existing card number; if they prefer, they may continue using the existing card until the new card arrives and activates.

11.What are the transaction fees for using my debit card domestically in the United States?
Based on the types of transactions, if cardholder:

Use the card on POS terminals: There is no fee for making purchases on POS terminals.

Use the card on internet: There is no fee for making payments or purchases with internet merchants. Some merchants may assess card service or convenience fee that is not collected by ICBC (USA).

Use the card on ATMs: There is no fee for using the card on ICBC (USA) proprietary ATMs. ICBC (USA) does not charge cardholder for using non-ICBC (USA) ATMs. Some non-ICBC (USA) ATMs may assess surcharge fees, please let customers consult their Customer Service Representative on how to earn surcharge fee reimbursement when they meet certain account criteria.

12.What are the transaction fees for using my debit card internationally outside the United States?
Based on the types of transactions, if customer:

Use the card on POS terminals: ICBC (USA) does not charge foreign transaction fees on using POS terminals outside the U.S.

Use the card on internet: ICBC (USA) does not charge foreign transaction fee for making payments or purchases with non-U.S. based internet merchants. Some merchants may assess card service or convenience fee that is not collected by ICBC (USA).

Use the card on ATMs: ICBC (USA) does not charge foreign transaction fee for using foreign ATMs. Some foreign (USA) ATMs may assess surcharge fees, customers should consult their Customer Service Representative on how to earn surcharge fee reimbursement when they meet certain account criteria. In some foreign countries, there is generally no surcharge fee, such as in China and Hong Kong.

13.Is my ICBC (USA) debit card eligible for any merchant discount?
Yes. ICBC corporate headquarter may establish relationship with various merchants from time to time to enable its cardholders enjoy exclusive benefits or discounts by showing or using their cards. For a complete list of participating merchants and eligible period, please visit www.icbc-us.com for more details.

Business Account

Q: What types of business entities are qualified to open the accounts?
A: 1. Corporation (For profit/non-profit for SCR/NCR/NYR) (Religious Corporations for NYR)
2. General Partnership (GP)
3. Limited Liability Company (LLC)
4. Sole Proprietorship
5. Limited Liability Partnership (LLP)
6. Estate
7. Limited Partnership (LP)
8. Valid Trust (created with written Trust Agreement)
9. Foreign (out-of-state/out-of-country) Business entity

Q: What other bank services are available?
A: We offer the following bank services to our business customers.
1. Safe Deposit Boxes
Our safe deposit boxes are available for rent in various sizes. They provide safe and easy access to your valuables

2. Merchant Services
Our Bank offers reliable processing for your business credit card receipts at a reasonable rate

3. Night Depository
Our 24-Hour depository and available night bags make it easy for you to deposit excess cash when the Bank is closed, freeing you from worry about too much cash in your store after hours.

4. Commercial Mortgage
Owning a property may be a good investment for your business. Our commercial mortgage team can help you achieve this goal.

5. Trade Services
-- Our Bank offers a full range of trade services through our global affiliate network to meet your business needs.
-- Our global trade services include: Letters of Credit for Importers and Exporters, Letter of Credit Negotiations, Documentary Collection Services.

6. Commercial & Industrial Loan
Commercial line of credit, term loan, and SBA loan to support general working capital and other financing needs of your business.

7. Remote Deposit Capture Service for Business
Remote Deposit Capture (RDC) allows you to deposit checks electronically without going to the bank.
You simply scan checks through your business computer and transmit their images to the bank

Q: What kind of benefits does Remote Deposit Capture offers?
A: 1. Safe and Convenient – Make deposits 24/7 from the comfort and security of your office
2. Reduce Expenses – Save on transportation expenses; reduce paperwork and storage spaces
3. Save Time – No more traveling to the Bank; filing out deposit tickets and wait in line for Teller services
4. Reduce Error – RDC checks and validates deposit balances; reduce input errors and the need to input check amounts
5. Experienced Bank Staff – Our dedicated staff is committed to keep your RDC operations running smoothly and they are ready to answer questions that you may have

Q: What are the RDC services fees?
A: 1. Customers must open a checking account with minimum opening balance of $500.00
2. Service is free if maintain an average monthly balance of $50,000 or more
3. If the average monthly balance is less than $50,000, monthly service fee is $50.00. Up to 300 transactions per month without account activity charges. If over 300 transactions, an activity charge of 0.2 per transaction applies. A penalty charge of $250.00 applies if you close the account within 6 months; $200.00 scanner replacement fee applies if the returned scanner does not function.

Q: What are the equipment requirements to use RDC service?
A: 1. Computer secured internet connection
2. Bank provided scanner


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