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1 $100 minimum balance to open Hanmi Kakao Friends Checking. E-statement enrollment is required. Account must be opened with funds that are not held at Hanmi Bank. To avoid $7 monthly maintenance charge, you must meet one of the following requirements: 1) Maintain a minimum daily balance of $500.00 or average daily balance of $1,000.00 in each statement cycle, or 2) have a minimum of $500 in ACH or Direct Deposit made into account each statement cycle. 2 1% cash back promotion is valid from May 1 to December 31, 2021, for customers who open Hanmi Kakao Friend Checking account. 1% cash back is based on your net debit card transaction. 1% cash back will be credited to your account within 30 days after each statement cycle. Maximum amount of cash back you can earn each month is $50. 3 Kakao Firiends gifts are provided at the time of account opening while supplies last. Any gift valued over $10 is considered an interest and will be reported on IRS from 1099-INT (or Form 1042-S, if applicable). 4$10 debit card replacement fee is waived between 5/17-6/11/2021. Standard card replacement fee applies after the offer period.