예금계좌 약관(Truth in Savings Product Disclosure)


BUSINESS SUPER PLUS CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Super Plus Account available only to sole proprietorship businesses and non-profit organizations. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning
  • Limited check writing and withdrawals1 up to 100
  • Unlimited deposits1
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$2,500.00

Monthly Maintenance Charge

$6.00

Transaction Charges

$0.25 per debit for each check paid, each payment by automatic transfers or any other forms up to first one hundred (100) debits1
$1.00 per debit will be charged for each debit exceeding the first one hundred (100) debits1

Transaction Limitation

One hundred (100) debits per statement cycle1

Minimum Balance To Avoid Maintenance/Transaction Charge

Maintain a minimum daily balance of $2,500.00 or average daily balance of $5,000.00 per statement cycle

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $1.00.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Average Daily Balance Calculation

Aggregating the balance in the account for each day of the statement period and dividing the aggregated balance by the statement period

Rate Determination/Frequency of Rate Change

The interest rate and APY may change at any time without prior notice.

Compounding/Crediting Frequency

Interest will be compounded monthly and credited to the account monthly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day2 noncash items are deposited. (e.g. checks).

Closing of Account
  1. If the account is closed before interest is credited, the accrued interest will be forfeited.
  2. $50 will be charged if the account is closed within 90 days of account opening.
Monthly Statement

Imaged copies of cancelled checks will be enclosed.

Other Fees

Please refer to 'Other Account Fees'.

Should the bank determine the account activity exceeds the limited nature of this account type; the account will be charged according to the Account Analysis Fee schedule. Please refer to Account Analysis Fees & Other Fees for Business for Account Analysis Fee.

Business Day: Monday through Friday, excluding federal holidays.


REGULAR BUSINESS CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Regular Business Checking Account available to businesses. Your account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Unlimited deposits1
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$200.00

Monthly Maintenance Charge

$8.00

Transaction Charges

$0.25 per debit for each check paid, each payment by automatic transfers or any other forms up to the first hundred (100) debits1

$1.00 per debit will be charged for each debit exceeding the first hundred (100) debits1

Minimum Balance To Avoid Maintenance/Transaction Charge

Maintain a minimum daily balance of $2,500.00 or average daily balance of $5,000.00

Average Daily Balance Calculation

Aggregating the balance in the account for each day of the statement period and dividing the aggregated balance by the statement period

Transaction Limitation

One hundred (100) debits per statement cycle

Monthly Statement

Imaged copies of cancelled checks will be enclosed.

Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Other Fees

Please refer to ‘Other Account Fees’.

1Should the bank determine the account activity exceeds the limited nature of this account type; the account will be charged according to the Account Analysis Fee schedule. Please refer to Account Analysis Fees & Other Fees for Business for Account Analysis Fee.


SMART BUSINESS CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Smart Business Checking Account available to businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Limited check writing and withdrawals up to thirty (30) debits
  • Limited deposits up to fifteen (15)
  • No Monthly Maintenance Fee
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement required
Minimum Balance to Open

$100.00

Monthly Maintenance Fee

None

Transaction Charges

$2.00 per deposit after the first fifteen (15) deposit transactions.

$1.00 per debit for each check paid, each payment by electronic transfers or any other forms after the first thirty (30) debit transactions

Transaction Limitation

Thirty (30) debits and fifteen (15) deposits per statement cycle1

Monthly Statement

e-Statement only. Imaged copies of cancelled checks will not be enclosed. Monthly Fee of $5.00 will be charged if image copy of cancelled check is requested. e-Statement is required for this product. If you fail to enroll in e-Statement within 30-Days of account opening, the account will be subject to change to a Business Regular Checking Account. You can obtain a Business Regular Checking disclosure from your branch.

Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Other Fees

Please refer to ‘Other Account Fees’.

1Should the bank determine the account activity exceeds the limited nature of this account type; the account will be charged according to the Account Analysis Fee schedule. Please refer to Account Analysis Fees & Other Fees for Business for Account Analysis Fee.


PERSONAL GREEN CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Green Checking Account available only to consumers. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Feature
  • Direct/Electronic deposit
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement Required
Minimum Balance to Open

$200.00

Monthly Maintenance Charge

None

Transaction Charges

Over‐the‐counter transactions (deposits or withdrawals) are limited to three (3) per statement cycle.
A fee of $3.00 will be assessed for any over‐the‐counter transaction (deposit or withdrawal) thereafter.
Checks paid are limited to three (3) per statement cycle.
$3.00 per check paid thereafter.

Transaction Limitation

Over‐the‐counter transactions (deposits or withdrawals) are limited to three (3) per statement cycle.
Checks paid are limited to three (3) per statement cycle.

Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Monthly Statement

e-Statement is provided with images of cancelled checks. e-Statement is required for this product. If you fail to enroll in e-Statement within 30-Days of account opening, the account will be subject to change to a Personal Regular Checking Account. You can obtain a Personal Regular Checking disclosure from your branch.

Other Fees

Please refer to ‘Other Account Fees’.


PERSONAL STUDENT CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Student Checking Account available only to consumers. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • For Students
  • Withdrawals from more than 25,000 surcharge free ATM
  • Direct/Electronic deposit
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement required
Minimum Balance to Open

$50.00

Monthly Maintenance Charge

None

Transaction Charges

Over‐the‐counter transactions (deposits or withdrawals) are limited to three (3) per statement cycle.
A fee of $3.00 will be assessed for any over‐the‐counter transaction (deposit or withdrawal) thereafter.
Checks paid are limited to three (3) per statement cycle.
$3.00 per check paid thereafter.

Transaction Limitation

Over‐the‐counter transactions (deposits or withdrawals) are limited to three (3) per statement cycle.
Checks paid are limited to three (3) per statement cycle.

Eligibility
  1. Students 18 years of age or older must provide student identification at the time of account opening.
  2. Accounts for students under 18 years of age must be opened jointly with a parent or guardian.
  3. Must enroll in e-Statement
Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Monthly Statement

e-Statement is provided with images of cancelled checks. e-Statement is required for this product. If you fail to enroll in e-Statement within 30-Days of account opening, the account will be subject to change to a Personal Regular Checking Account. You can obtain a Personal Regular Checking disclosure from your branch.

Other Fees

Please refer to ‘Other Account Fees’.


HANMI NEIGHBOR/BASIC CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about HANMI NEIGHBOR/BASIC Checking Account available only to consumers. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Unlimited check writing and withdrawals
  • Unlimited deposits
  • Monthly Fee is waived with a direct deposit
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$25.00

Monthly Maintenance Charge

$3.001

Transaction Charges

$0.25/debit for each check paid, each payment by electronic transfer or any other form after the first 10 debit (including checks, electronic transfers) transactions.

Transaction Limitation

10 debit transactions per statement cycle.

Average Daily Balance Calculation

Aggregating the balance in the account for each day of the statement period and dividing the aggregated balance by the number of days in the statement period.

Monthly Statement

Statement will be provided. Imaged copies of cancelled checks will not be enclosed.

Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Other Fees

Please refer to ‘Other Account Fees’.

1The fee will be waived if you are 65 years of age or older, reside in Illinois and receive a direct deposit at least once a month.


PERSONAL REGULAR CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Regular Personal Checking Account available only to consumers. Your account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Unlimited check writing and withdrawals
  • Unlimited deposits
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$100.00

Monthly Maintenance Charge

$7.00

Transaction Charges

$0.25 per debit for each check paid, each payment by automatic transfers or any other forms

Minimum Balance To Avoid Maintenance/Transaction Charge

Maintain a minimum daily balance of $500.00 or average daily balance of $1,000.00 in each statement cycle

Average Daily Balance Calculation

Aggregating the balance in the account for each day of the statement period and dividing the aggregated balance by the statement period

Monthly Statement

Imaged copies of cancelled checks will be enclosed.

Closing of Account

$50 will be charged if the account is closed within 90 days of account opening.

Other Fees

Please refer to ‘Other Account Fees’.


PERSONAL SUPER PLUS CHECKING

This Hanmi Bank Truth In Savings Disclosure contains information about the Super Plus Account available only to consumers. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning
  • Unlimited check writing and withdrawals
  • Unlimited deposits
  • Debit Card and Rewards Program
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$2,500.00

Monthly Maintenance Charge

$6.00

Transaction Charges

$0.25 per debit for each check paid, each payment by automatic transfers or any other forms

Minimum Balance To Avoid Maintenance/Transaction Charge

Maintain a minimum daily balance of $2,500.00 or average daily balance of $5,000.00 in each statement cycle

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $1.00.

The interest rate and APY is accurate as of 03/01/2017.

Fees may reduce earnings on the account.

Average Daily Balance Calculation

Aggregating the balance in the account for each day of the statement period and dividing the aggregated balance by the statement period

Frequency of Rate Change

The interest rate and APY may change at any time without prior notice.

Compounding/Crediting Frequency

Interest will be compounded monthly and credited to the account monthly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day1 noncash items are deposited. (e.g. checks)

Closing of Account
  1. If the account is closed before interest is credited, the accrued interest will be forfeited.
  2. $50 will be charged if the account is closed within 90 days of account opening.
Monthly Statement

Imaged copies of cancelled checks will be enclosed.

Other Fees

Please refer to ‘Other Account Fees’.

1Business Day: Monday through Friday, excluding federal holidays.


CERTIFICATE OF DEPOSIT

This Hanmi Bank Truth In Savings Disclosure contains information about the Certificate of Deposit available to consumers and businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning Term Deposit
  • Online Banking
  • Mobile Banking
  • Telephone Banking
Minimum Balance to Open

$1,000.00

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $1,000.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Compounding/Crediting Frequency

Interest is simple interest and will not be compounded. Depositor will have option to choose from quarterly, semiannually, annually or at maturity (for the term one year or less) to receive the interest payment.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day1 noncash items are deposited. (e.g. checks)

Transaction Limitation
  1. You may not make additional deposits into your account before maturity.
  2. You can only withdraw interest credited in the term before the maturity date without penalty
  3. Withdrawals during the term will be considered as Early Withdrawal.
Early Withdrawal Penalties
  1. A penalty may be imposed for withdrawal made before maturity. Early Withdrawal Penalty may reduce the principle balance.
  2. For the term longer than one (1) year, the penalty amount will be equal to three (3) months’ simple interest of the opening balance.
  3. For the term 32 days to one (1) year, the penalty amount will be equal to one (1) month’s simple interest of the opening balance.
  4. For the term seven (7) to thirty one (31), the penalty amount will be the greater of (1) all interest earned on the opening balance, or (2) seven days’ simple interest of the opening balance, or (3) simple interest of opening balance for the one-half of the original term.
  5. In certain circumstances such as death or incompetence of an owner of the account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Automatic Renewal
  1. This CD account will automatically renew at maturity.
  2. Each renewal term will be the same as the original term, beginning on the maturity date.
  3. The interest rate will be the same we offer on new Certificate of Deposits on the maturity date which have the same features as the original CD account.
  4. You may prevent renewal if you withdraw the funds at maturity (or within the grace period (7 calendar days)) or provide us written notice within the grace period.
  5. We can prevent renewal by mailing a written notice to you at least 30 calendar days before maturity.
  6. If either you or we prevent renewal, interest will not accrue after the maturity.
Other Fees

Please refer to ‘Other Account Fees’.

1Business Day: Monday through Friday, excluding federal holidays.


DIAMOND FREEDOM CD

This Hanmi Bank Truth In Savings Disclosure contains information about the Diamond Freedom CD available to consumers and businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning Term Deposit
  • Additional deposits during the term up to the original opening balance
  • Partial withdrawals up to six (6) times without early withdrawal penalty
  • Online Banking
  • Mobile Banking
  • Telephone Banking
Minimum Balance to Open

$50,000.00

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $25,000.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Compounding/Crediting Frequency

Interest is simple interest and will not be compounded. Depositor will have option to choose from quarterly, semiannually, annually or at maturity (for the term one year or less) to receive the interest payment.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day1 noncash items are deposited. (e.g. checks)

Transaction Limitation
  1. Additional deposits in increments of $10,000 can be made up to the original opening deposit amount.
  2. Partial withdrawals in increments of $10,000 can be made up to six times starting on the 7th day from the account opening without early withdrawal penalty for 12-month term and after six (6) months for 24-month term.
  3. Each partial withdrawal should be made at least 7 days apart to avoid early withdrawal penalty.
  4. At least half of the account opening balance must be maintained; otherwise it will be considered as account closing which will be subject to the early withdrawal penalty.
Early Withdrawal Penalties
  1. Early withdrawal penalty applies to partial withdrawals beyond the six (6) allowable penalty-free withdrawals or for account closing during the term.
  2. The penalty is one month's simple interest earned or could have been earned on the amount withdrawn.
  3. Early Withdrawal Penalty may reduce the principle balance.
  4. For the 24-month term, the penalty amount will be equal to three (3) months’ simple interest on the amount withdrawn.
  5. For the 12-month term, the penalty amount will be equal to one (1) month’s simple interest on the amount withdrawn.
  6. In certain circumstances such as death or incompetence of an owner of the account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Automatic Renewal
  1. This CD will automatically renew at maturity.
  2. Each renewal term will be the same as the original term, beginning on the maturity date.
  3. The interest rate will be the same we offer on new Certificate of Deposits on the maturity date which have the same features as the original CD account.
  4. You may prevent renewal if you withdraw the funds at maturity (or within the 7 calendar days grace period) or provide us written notice within the grace period.
  5. We can prevent renewal by mailing a written notice to you at least 30 calendar days before maturity.
  6. If either you or we prevent renewal, interest will not accrue after the maturity.
Other Fees

Please refer to ‘Other Account Fees’.

1Business Day: Monday through Friday, excluding federal holidays.


INDIVIDUAL RETIREMENT CD (IRA)

This Hanmi Bank Truth In Savings Disclosure contains information about the Individual Retirement Account only available to consumers. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Savings for Retirement
  • Interest Earning Term Deposit
  • Online Banking
  • Mobile Banking
  • Telephone Banking
Minimum Balance to Open

$1,000.00

Fees

$10.00/Annual - Will be waived
$10.00/Trustee-To-Trustee transfer

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $1,000.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Compounding/Crediting Frequency

Interest will be compounded quarterly. Interest will be credited to the account at every quarter end.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day1 noncash items are deposited. (e.g. checks)

Transaction Limitation
  1. Withdrawals during the term will be considered as Early Withdrawals.
  2. Withdrawal from your retirement account may be subject to additional penalties and taxes imposed by the state and federal governments.
Early Withdrawal Penalties
  1. A penalty will be imposed for withdrawals made before maturity. Early Withdrawal Penalty may reduce the principle balance.
  2. For the term one (1) year, the penalty amount will be equal to one (1) month’s simple interest of the closing balance.
  3. For the term longer than one (1) year and up to three (3) years, the penalty amount will be equal to three (3) months’ simple interest of the closing balance.
  4. For the term longer than three (3) years, the penalty amount will be equal to six (6) months’ simple interest of the closing balance.
  5. In certain circumstances such as death or incompetence of an owner of the account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Automatic Renewal
  1. This account will automatically renew at maturity.
  2. Each renewal term will be the same as the original term, beginning on the maturity date.
  3. The interest rate will be the same we offer on new Certificate of Deposits on the maturity date which have the same features as the original CD account.
  4. You may prevent renewal if you withdraw the funds at maturity (or within the grace period (7 calendar days)) or provide us written notice within the grace period.
  5. We can prevent renewal by mailing a written notice to you at least 30 calendar days before maturity.
  6. If either you or we prevent renewal, interest will not accrue after the maturity.
Other Fees

Please refer to ‘Other Account Fees’.

1Business Day: Monday through Friday, excluding federal holidays.


INSTALLMENT SAVINGS

This Hanmi Bank Truth In Savings Disclosure contains information about the Installment Account available to consumers and businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning for Contract Term
  • Choose from 12, 24, or 36-month terms
  • Higher rates for longer term
  • Monthly deposit of a fixed/scheduled amount
  • Withdraw lump sum contract amount at maturity
  • Contract starts from $1,000.00 and may increase in increments of $1,000.00 up to $100,000.00.
  • Online Banking
  • Mobile Banking
  • Telephone Banking
Minimum Balance to Open

Varies depending on the Contract Term

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) varies.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Compounding/Crediting Frequency

Interest will be compounded daily and will be credited to the account quarterly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day1 noncash items are deposited. (e.g. checks)

Transaction Limitation
  1. Withdrawals during the term will be considered Early Withdrawals.
  2. Monthly deposits must be made on the date originally scheduled; otherwise the contract amount at maturity will not be the same as the original contract amount.
  3. If you stop making deposit for two months from any of the scheduled deposit date, the account may be converted to a Regular Savings. Regular Savings interest rate is usually lower than Installment Savings product. We will notify you if your account needs to be converted.
Early Withdrawal Penalties
  1. A penalty may be imposed for withdrawals made before maturity. An early withdrawal penalty may reduce the principle balance.
  2. Penalty amount will be equal to three (3) months’ simple interest on the amount withdrawn.
  3. In certain circumstances such as death or incompetence of an owner of the account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Non Renewal
  1. This account will not automatically renew at maturity.
  2. At maturity, the contract amount will be paid if the scheduled monthly deposit was made as originally scheduled.
  3. If you do not withdraw at maturity, the account will be converted to a Regular Savings Account unless other instructions are received from you.
Statement

Statement will be provided quarterly. Statement will be provided monthly if you have electronic fund transfers.

Other Fees

Please refer to ‘Other Account Fees’.

1Business Day: Monday through Friday, excluding federal holidays.


Monthly Installment Schedule (with Auto Transfer)

Contract Amount12M24M36M
$1,000$83.02$41.32$27.39
$5,000$415.09$206.60$136.97
$10,000$830.18$413.21$273.94
$15,000$1,245.27$619.81$410.92
$20,000$1,660.36$826.41$547.89
$25,000$2,075.45$1,033.01$684.86

KID'S SAVINGS

This Hanmi Bank Truth In Savings Disclosure contains information about the Kid’s Savings Account available to children under 18 years old. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning
  • Limited withdrawals and transfers up to six (6)1
  • Unlimited deposits
  • No Monthly Service Charges
  • Online Banking
  • Mobile Banking
  • Telephone Banking
  • e-Statement only
Minimum Balance to Open

$100.00

Eligibility

Children under age of 18 years. Account must be jointly opened with a parent or guardian.

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $100.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account

Frequency of Rate Change

The interest rate and APY may change at any time without prior notice.

Compounding/Crediting Frequency

Interest will be compounded daily and will be credited to the account quarterly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day2 noncash items are deposited. (e.g. checks)

Transaction Limitation
  1. Transfers to other accounts or payments to third parties by electronic transfers/payments are limited to six (6) per month.1
  2. An excessive transaction fee of $10 will be charged for each transfer in excess of six (6).1
  3. The account may be converted to a non-interest bearing account if you continue to violate the transaction limitation rule.
  4. Primary account holder should be an adult. Child can withdraw only with an adult’s pre-authorization.
  5. When the child reaches the age of 18, the account may be converted to another savings account available at the time of the conversion.
Closing of Account
  1. If the account is closed before interest is credited, the accrued interest will be forfeited.
  2. $50 will be charged if the account is closed within 90 days of account opening.
Statement

e-Statement will be provided quarterly. Monthly statement will be provided if you have electronic fund transfers.

Other Fees

Please refer to ‘Other Account Fees’.

1Federal Regulation and our Deposit Agreement limit the number of withdrawals and/or transfers that may be made from a money market or savings account by telephone, computer transfer, check or debit card. Depositor is limited to six withdrawals and transfers or combination of such transfers or withdrawals, from the money market or savings account per month to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a pre-authorized or automatic transfer, telephonic or computer transfer (including bill payment), order or instruction or by check, draft, debit card, or similar order made by the depositor and payable to third parties. A “preauthorized transfer” includes any arrangements by the depository institution to pay a third party from the account of a depositor upon written or oral instructions or any arrangement by a depository institution to pay a third party from the account of the depositor at a predetermined time or on a fixed schedule.

2Business Day: Monday through Friday, excluding federal holidays.


MONEY MARKET

This Hanmi Bank Truth In Savings Disclosure contains information about the Money Market Account available to consumers and businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning
  • Limited check writing and electronic transfers/payments up to six (6)1
  • Account holder's withdrawals in person at the bank or its ATMs are unlimited.
  • Unlimited deposits
  • Overdraft Service3 is available (subject to the Transaction Limitation1)
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$2,500.00

Monthly Maintenance Charge

$6.00

Minimum Balance To Avoid Maintenance Charge

Maintain a minimum daily balance of $2,500.00 during each statement cycle

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $2,500.

The interest rate and APY is accurate as of 03/01/2017.

Fees may reduce earnings on the account.

Frequency of Rate Change

The interest rate and APY may change at any time without prior notice.

Compounding/Crediting Frequency

Interest will be compounded monthly and credited to the account monthly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day2 noncash items are deposited. (e.g. checks)

Transaction Limitation1
  1. Transfers to other accounts or payments to third parties by check writing and electronic transfers/payments are limited to six (6) per month.1
  2. An excessive transaction fee of $10 will be charged for each transfer in excess of six (6).
  3. The account may be converted to a non-interest bearing account if you continue to violate the transaction limitation rule.
Closing of Account
  1. If the account is closed before interest is credited, the accrued interest will be forfeited.
  2. $50 will be charged if the account is closed within 90 days of account opening.
Monthly Statement

Imaged copies of cancelled checks will be enclosed.

Other Fees

Please refer to ‘Other Account Fees’.

1Federal Regulation and our Deposit Agreement limit the number of withdrawals and/or transfers that may be made from a money market or savings account by telephone, computer transfer, check or debit card. Depositor is limited to six withdrawals and transfers or combination of such transfers or withdrawals, from the money market or savings account per month to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a pre-authorized or automatic transfer, telephonic or computer transfer (including bill payment), order or instruction or by check, draft, debit card, or similar order made by the depositor and payable to third parties. A “preauthorized transfer” includes any arrangements by the depository institution to pay a third party from the account of a depositor upon written or oral instructions or any arrangement by a depository institution to pay a third party from the account of the depositor at a predetermined time or on a fixed schedule.

2Business Day: Monday through Friday, excluding federal holidays.

3This service is available to a customer who maintains a money market or savings and a checking account with Hanmi Bank. When a checking account balance falls below zero, funds will be transferred to the checking account from a money market or savings account in increments of $100 to cover the overdraft. A $5 Fee will be charged to your checking for each transfer.


SAVINGS

This Hanmi Bank Truth In Savings Disclosure contains information about the Savings Account available to consumers and businesses. This account is also governed by the Deposit Account Agreement. For all other deposit accounts, please consult the Hanmi Bank Truth In Savings Disclosure available in our branches.

ItemDetails
Features
  • Interest Earning
  • Limited pre-authorized transfers/payments up to six (6)1
  • Account holder's withdrawals in person at the bank or its ATMs are unlimited
  • Unlimited deposits
  • Overdraft Service3 is available (subject to the Transaction Limitation1)
  • Online Banking & Bill Payment
  • Mobile Banking
  • Telephone Banking
  • e-Statement is available
Minimum Balance to Open

$100.00

Monthly Maintenance Charge

$5.00

Minimum Balance To Avoid Maintenance Charge

Maintain a minimum daily balance of $500.00 during each statement cycle.

Interest Rate and Annual Percentage Yield (APY)

Minimum balance to obtain Annual Percentage Yield (APY) is $100.
The interest rate and APY is accurate as of 03/01/2017.
Fees may reduce earnings on the account.

Frequency of Rate Change

The interest rate and APY may change at any time without prior notice.

Compounding/Crediting Frequency

Interest will be compounded daily and credited to the account quarterly.

Daily Balance Computation Method

The daily balance method will be used to calculate the interest. The method applies a daily periodic rate to the balance in the account each day.

Interest Accrual on Noncash Deposits

Interest begins to accrue on the business day2 noncash items are deposited. (e.g. checks)

Transaction Limitation1
  1. Transfers to other accounts or payments to third parties by electronic transfers/payments are limited to six (6) per month2.
  2. An excessive transaction fee of $10 will be charged for each transfer in excess of six (6).
  3. The account may be converted to a non-interest bearing account if you continue to violate the transaction limitation rule.
Closing of Account
  1. If the account is closed before interest is credited, the accrued interest will be forfeited.
  2. $50 will be charged if the account is closed within 90 days of account opening.
Statement

Statement will be provided quarterly. Statement will be provided monthly if you have electronic fund transfers.

Other Fees

Please refer to ‘Other Account Fees’.

1Federal Regulation and our Deposit Agreement limit the number of withdrawals and/or transfers that may be made from a money market or savings account by telephone, computer transfer, check or debit card. Depositor is limited to six withdrawals and transfers or combination of such transfers or withdrawals, from the money market or savings account per month to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a pre-authorized or automatic transfer, telephonic or computer transfer (including bill payment), order or instruction or by check, draft, debit card, or similar order made by the depositor and payable to third parties. A “preauthorized transfer” includes any arrangements by the depository institution to pay a third party from the account of a depositor upon written or oral instructions or any arrangement by a depository institution to pay a third party from the account of the depositor at a predetermined time or on a fixed schedule.

2Business Day: Monday through Friday, excluding federal holidays.

3This service is available to a customer who maintains a money market or savings and a checking account with Hanmi Bank. When a checking account balance falls below zero, funds will be transferred to the checking account from a money market or savings account in increments of $100 to cover the overdraft. A $5 Fee will be charged to a checking for each transfer.