You Deserve a Banking Service as Wise as You

Golden Checking is designed to suit the needs of customers 62 years old or wiser. Bundle up your Golden Checking with a 9 month Premium CD. You’ll enjoy a great promotional rate of 4.85% APY and get your interest paid quarterly into your Golden Checking account!

Learn More About Golden Bundle Products

Are you 62 or better? You deserve a banking service as wise as you.

For detailed information, see Deposit Account Agreement, and Fee Schedule.

¹Annual Percentage Yields (APYs) are accurate as of 04/08/2024. $10,000 minimum balance to open 9-month Premium CD. If qualification are met, interest is credited to Golden Checking account quarterly, with the first interest payment made 3 months after account open date. Promotional offer is valid from April 30, 2024 to June 29, 2024. If Golden Checking account is closed prior to maturity, 0.25% bonus rate will be removed. A withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
²How to qualify for 4.85% APY; (a) Open a Golden Checking account first, (b) Open a new 9-month Premium CD with new money. New money is defined as funds that are not held at Hanmi Bank. (c) Maintain the Golden Checking during the term of the CD. A penalty will be imposed for early withdrawal. The early withdrawal penalty will be equal to one (1) month simple interest of the opening balance. Fees could reduce the earnings on the account. Rate may change after the account is opened.
³At least one of the account holders must have attained the age of 62 to open this account.
⁴Overdraft protection is available through a linked account. No transfer fee will be assessed for transfers made between the linked savings or checking account. You must elect this service if you want overdraft protection. If there are insufficient funds in the linked account, a transfer will not occur. One overdraft fee of $25 will be waived per statement cycle.
⁵Monthly maintenance charge can be waived if a minimum daily balance of $250, or average daily balance of $500 during each statement cycle is maintained.
⁶Free Standard Checkbook with standard lettering valued up to $29, if a minimum average balance of $10,000.00 or more is maintained during each statement cycle; otherwise, check fee will be assessed and amount will vary based on model and lettering selected. Checkbook will be delivered in 7-10 business days after order has been confirmed.
⁷Cashier’s Check fees will be waived if a minimum average balance of $10,000.00 or more is maintained during each statement cycle; otherwise, fee is $5 per check purchased.
⁸Incoming wire fees will be waived if a minimum average balance of $10,000.00 or more is maintained during each statement cycle; otherwise, fee is $10 per incoming wire.
⁹Per account owner, per institution, and per ownership category.

FAQ

We’re Here to Help

You’ve got a team of experts on your side. Whether you have a simple question or need a comprehensive banking solution, we’re here for you.