Home arrow right Golden Checking Bundle Offer

Checking & CD Bundle

Banking Service Tailored for 62 and Better

Home arrow right Golden Checking Bundle Offer

Checking & CD Bundle

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!

Open a Golden Checking and enjoy 4.85% APY1 on your 9-Month Premium CD

  • Open a Golden Checking account first with a minimum of $100
  • Then, open your 9-Month Premium CD with a minimum of $10,000
    (Once a Golden Checking is opened, you will be prompted to open a CD)
  • Enjoy 4.85% APY for your 9-Month Premium CD2
  • Get your interest paid quarterly to your Golden Checking account!

Learn More About Golden Bundle Products

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

Golden Checking

Checking account tailored for customers 62 years old or older3


  • $100 minimum balance to open
  • Overdraft protection4
  • Unlimited check writing and withdrawals
  • Debit card and rewards program
  • $5 monthly maintenance charge waived when minimum balance requirement is met5

Benefits when you maintain an average balance of $10,000 or more


  • No fee for a Standard Checkbook6
  • No fee for a Cashier’s Check7
  • No fee for Incoming Wires8

See Account Terms for details

9-Month Premium CD

Get competitive interest rate when opened with Golden Checking


  • Enjoy 4.85% APY1
  • $10,000 minimum balance to open2
  • FDIC insurance up to the maximum limit allowed9
  • Must have a Golden Checking account to receive promotional APY

See Account Terms for details

Open a Golden Checking

Open a Golden Checking with a minimum of $100

Open a 9-Month Premium CD

Enjoy 4.85% APY1 when you open a 9-Month Premium CD with a minimum of $10,0002

Get your Interest Quarterly

Get your interest paid quarterly to your Golden Checking!

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

How do I get 4.85% APY on the 9 month Premium CD?

To obtain the promotional rate, first open a Golden Checking account and then open the 9 month Premium CD new money. Please maintain your Golden Checking account during the term of the CD. If Golden Checking account is closed prior to maturity, 0.25% bonus rate will be removed. Promotional offer is valid from April 30, 2024 to June 29, 2024.

How is the interest earned on the 9 month Premium CD paid?

Unlike traditional CDs, this Golden Checking & CD bundle pays earned interest quarterly into your Golden Checking account.

How do I earn debit card rewards points?

uChoose Rewards® is a rewards program where you earn points for shopping or using your Hanmi Bank Debit Card and then redeem your points for anything of your choice from a huge online rewards catalog.

You earn 1 point for every $1 for each Hanmi Credit Card or 1 point for every $2 for each Hanmi Debit Card.

Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through www.uchooserewards.com. When shopping in-store, select credit and sign for your purchases.

What happens if close the Golden Checking account prior to CD maturity?

If Golden Checking account is closed prior to 9-Month CD maturity, 0.25% bonus rate will be removed.

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.

Visit a local Hanmi Bank branch near you

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Call us at
855-773-8778

Help is just a phone call away. Our Customer Call Center is open Monday ~ Friday, 7:00 AM to 6:00 PM PT for your personal and business banking needs.