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Personal Checking

Everyday Checking, Exceptional Features

Checking Options with You in Mind

At Hanmi Bank, we understand everyone has different needs. That’s why we’ve designed various personal checking accounts for you to choose from. From accounts with zero maintenance fees to ones with a broad range of services, our checking accounts feature a variety of options to suit your personal financial needs.

Kakao Friends Checking

Get the Kakao Friends debit card only available at Hanmi Bank!

  • $100 minimum balance to open
  • $7 monthly maintenance charge waived when minimum balance requirement is met1
  • Choose from two unique, limited quantity Kakao Friends debit card designs!2

See Account Terms for details


Enjoy the convenience of full account service including unlimited access

  • $100 minimum balance to open
  • $7 monthly maintenance charge waived when minimum balance requirement is met3
  • Access to more than 37,000 surcharge free ATMs

See Account Terms for details

Super Plus

Earn interest while enjoying unlimited check writing and account access

  • $2,500 minimum balance to open
  • Interest bearing account
  • $6 monthly maintenance charge waived when minimum balance requirement is met4

See Account Terms for details

For detailed information, see Deposit Account Agreement, and Fee Schedule.

1For Kakao Friends Checking, monthly maintenance charge can be waived if a minimum daily 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 account each statement cycle
2Quantity of Kakao Friends debit cards are limited by contract between Hanmi Bank and Kakao Friends. Kakao Friends debit cards will be issued until supplies last.
3For Regular Checking, monthly maintenance charge can be waived if a minimum daily balance of $500, or average daily balance of $1,000 during each statement is maintained
4For Super Plus Checking, monthly maintenance charge can be waived if a minimum daily balance of $2,500, or average daily balance of $5,000 during each statement is maintained

Debit Card Benefits

Enjoy the benefits that comes with your debit card.

uChoose Rewards®

Earn reward points every time you make a purchase using your debit card

  • Earn one point for every two dollars spent
  • Rewards points are redeemable for travel points, gift cards, and more
  • Redeem points with a simple click of the button
  • Cash back is available

x2 Rewards Promotion

Maximize your uChoose Rewards during this x2 Rewards special promotion1

  • Earn one point for every one dollar spent for signature based transactions
  • For a limited time from Aug 19, 2022 to Feb 28, 2023
  • Simply pay with your Hanmi Bank debit card at restaurants, grocery stores, and any other merchants

Card Valet App

Control your debit card use through your mobile device

  • Security – Turns your card on or off, in an instant, for any reason
  • Control – Control transactions by category or by dollar amounts
  • Flexibility – Easily set, customize and modify purchase alerts

1 Customers must enroll their card and create an user ID and password to redeem points earned. Redemption begins once they get 1,500 points. Points not redeemed expire after 3 years. Eligible transactions include all approved purchases with the addressee’s card ending in that have posted between 08/19/2022-02/28/2023. Signature based transactions earn one point for every dollar spent. PIN & Pinless transactions earn one point foe every two dollars spent. ATM transactions are not eligible. Bonus points will be applied to your uChoose Rewards account 6-8 weeks after the promotional period ends. Your account must be open and in good standing at the time that the bonus points are credited. Card must be registered for uChoose Rewards in order to get the bonus points. This offer may be withdrawn at any time. Limit one offer per cardholder. For more information, click the “Terms and Conditions” link at uchooserewards.com. The uChoose Rewards Program is available to open and active accounts as designated by Hanmi Bank. uChoose Rewards is not an affiliate of Hanmi Bank. All names and logos are trademarks and registered trademarks of their respective owners. All rights reserved.

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 is Hanmi Bank’s routing number and SWIFT code?

Hanmi Bank’s routing number is 122039399 (paper, electronic, & wire transfers) and SWIFT code is HANMUS6L.

How can I order checks?

If you need to order checks for your personal or business account, please click here. You can also customize your checks with any style you wish.

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).

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.