Premier Package

A Premier Package links your qualifying personal accounts with us under one relationship on one deposit statement. You must have at least two accounts, one of which must be a Personal Checking Account, which we will designate as the Primary Account, and the other one will be a Premier Savings or a Premier Money Market Deposit Account.

v Maintain minimum average daily balance of $25,000 or above in premier saving account or Premier Money Market Deposit account to earn a promotional interest rate and extra benefit.

v A higher deposit balance qualifies for a higher rate of interest, three different Annual Percentage Yield (APY) are available

· For daily balances from $25,000 to less than $100,000 enjoy 0.20%* APY on the entire balance in your savings account.

· For daily balances from $100,000 to less than $250,000, enjoy 0.30%* APY on the entire balance in your savings account.

· For daily balances of $250,000 and more, enjoy 0.40% *APY on the entire balance in your savings account.

v Extra Benefits of our premier package¹when meeting the required minimum balance

· No monthly service charges

· ICBC incoming wire transfer fee waived (applicable only to funds originating via any ICBC Express Transfer Remittance¹)

· No ATM access fees

· No counter check fees

· Unlimited check writing for Premier Checking Account

· No charge on the order of checks

· No charge on Money Orders and Official Checks

· No charge on the outgoing wire once per month

· No charge on Stop Payment

· Available for extra ATM/debit card daily cash – withdrawal (maximum $2,000)

v Transaction Limitations

You may make no more than six transfers and withdrawals from both Premier Saving and Premier Money Market Accounts per each statement cycle. Any activity fee of $15 will be charged for each transaction that exceeds the 6-transfer/withdrawal limit. If you frequently exceed the 6-transfer/withdrawal limit, we will convert your account to another type of account.

¹The benefit of the premier package will be effective from July 1st, 2026. ICBC Express Transfer Remittance refers to the service for customers to make cross-border remittance between domestic and overseas ICBC institutions abroad through several channels.

* Above Annual Percentage Yield (APY) is accurate as of December 14,2020. A monthly maintenance fee may apply if average daily balance is not maintained. Fees may reduce earnings. Interest rates are variable and subject to change. Restrictions may apply. ICBC (USA) reserves the right to modify these terms at any time in our reasonable discretion. Please contact branches to learn more.