Common large banks in the United States include JP Morgan Chase Bank, Bank of America, Cathay Bank and East West Bank.

Bank of JPMorgan Chase: It has branches all over the United States, and has its own APP, which is very convenient for inquiry, transfer and remittance.

Bank of America: It has branches in the United States, covering a wide range and having its own APP. In cities where Chinese in the United States are concentrated, BOA provides Chinese counter service.

Cathay Bank: It is specially opened for China people. Cathay Pacific Bank is the first commercial bank invested and operated by Chinese in Southern California, aiming at Chinese and conducting business according to their characteristics.

East-West Bank: It is now the largest commercial bank in the United States with Chinese as its main market, mainly distributed in California, new york, Texas and Washington State.

Two. Introduction of American bank account types

Bank accounts in the United States can be mainly divided into three types: savings accounts, checking accounts and deposit certificate accounts.

Note: Some banks link certificates of deposit to savings accounts, while others are independent.

Savings account savings account:

American savings account is a special account for saving money, which can be withdrawn with interest, but only a few times a month.

Management fee: Yes, if the deposit in your account is not up to standard, you must pay a management fee ranging from $5 to $65,438+$00, depending on the regulations of each bank.

Checking account checking account:

American checking account is a special account for expenses and consumption, which has no interest (some banks also offer checking account options with interest) and can be withdrawn unlimited times a month.

Management fee: Yes, if the deposit in your account is not up to standard, you must pay a management fee ranging from 10 to 15, depending on the regulations of each bank.

Time deposit account:

A time deposit account is a kind of time deposit. After putting the money into the account, the bank will provide higher interest as feedback if the money cannot be used within the specified time. If you need money during the period, you must cancel the contract before you can use the money.

3. Information needed to open an account in a local bank in the United States

Information required for personal account opening: passport; Identity card;

Information required for company account opening: 1. American company certificate; 2. American EIN tax number; 3. Scanned ID cards and passports of directors.

Fourth, the specific process of bank account opening in the United States

1. It takes 1-2 days for personal or company information to be submitted to Bajie for foreign-related pre-examination, and it will be submitted to Bank of America for foreign-related review after Bajie's review is correct;

2. After the bank is approved, send the account opening documents to the domestic office;

3. Customers go to domestic offices for face-to-face signing (Shanghai, Beijing, Shenzhen, Chongqing and Xiamen can be selected to open accounts);

4. After the interview, send all the information back to America. The American account was successfully opened, and the encrypted mail and security code were received.