Kakao Friends Checking

Earn 1% Cash Back
Plain and Simple

Three Benefits with One Account

Open a Kakao Friends Checking account today in about 10 minutes

Open an Account Online

Conveniently open a Kakao Friends Checking account online

  • $100 minimum balance to open
  • $7 monthly maintenance charge waived when minimum balance requirement is met1

Choose a Debit Card Design

Choose between two styles of Kakao Friends Debit Cards

1% Cash Back on Debit Card Purchases

Every time you use your debit card for a purchase, you will earn 1% cash back2

  • 1% cash back will be credited to your account within 30 days after each calendar month
  • Maximum amount of cash back you can earn each month is $50 per Kakao Friends Checking account
  • 1% cash back is based on your net purchase debit card transaction

1 To avoid the $7 monthly maintenance charge, you must meet one of the following requirements: 1) maintain a minimum balance of $500 or average daily balance of $1,000 in each statement cycle or 2) have a minimum of $500 in ACH or Direct Deposit made into the account each statement cycle.

21% cash back promotion is valid from February 1, 2022 to December 31, 2022 for Kakao Friends Checking accountholders only

Simple, Easy & Secure

Open a Kakao Friends Checking
account online.

  • Contactless online account opening means you can open an account any time you want, no matter where you are
  • Securely fund your account by instantly verifying an external bank account and transferring the funds electronically
  • Open your account in about 10 minutes

Our Personal Checking Account Benefits

Our quality customer care includes:

FDIC Insured

Hanmi Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Be assured that your deposits are safe up to FDIC limits.

Enjoy over 37,000 ATMs

Hanmi Bank partners with the MoneyPass1 ATM Network, so you can conveniently withdraw cash without worrying about fees.


Send money directly between almost any bank accounts in the U.S., typically within minutes. Zelle® is a safe and free2 way to send money to friends and family.

1 MoneyPass networks are free; however, a fee may be charged for access through other ATM networks and may vary depending on the network provider

2 Mobile network carrier fees may apply. Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


Are Hanmi Bank deposit accounts FDIC insured?

Yes. Hanmi Bank is a member of the FDIC, so your deposit accounts with us are insured up to $250,000 per account owner per institution and per ownership category.

What information or documentation is needed to apply for a new checking account?

To apply for a new checking account, you’ll need your Social Security number, one valid form of primary identification (driver’s license, valid passport, government-issued ID with photo and signature), and minimum required opening deposit (amount varies depending on type of account).

How do I waive monthly maintenance charge?

Monthly maintenance charge of $7 can be waived if you maintain a minimum balance of $500 or average daily balance of $1,000 in each statement cycle or have a minimum of $500 in ACH or Direct Deposit made into the account each statement cycle.

What can I expect after my account is opened online?

After you have completed the application, a confirmation email will be sent to the email address you provided during the application process.

  • Debit/ATM Card: If you open a checking account, your Hanmi Debit/ATM card will be mailed to you within 5-7 business days once the account is funded. The card must be activated by phone with your PIN before using.
  • Online Banking: You can also enroll in Hanmi Online and Mobile banking with your account number stated in your signature card. For online banking enrollment, please click here.

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

Find addresses, phone numbers, and business hours for your Hanmi Bank branches and ATMs. We’re here for face-to-face support in person.

Call us at

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.