The app is very basic with a simple to use and navigate interface. The layout looks a bit plain and dated, but if you just want to get things done, then there’s no need for it to look fancy. I haven’t used/tested every function such as mobile check deposit, but overall the app does what it’s designed to do.
DO NOT USE THIS APP OR THEM FOR BANKING.. -$10/month service charge -Mobile deposit is inconsistent -Zelle takes a day to show up -non-cash Transactions take 1-3 days to post I don’t know of any good reason to use Cathay Bank unless you need to. I have been a customer since college and it’s over 10 years now and this past incident is the final straw. The app mobile deposited a check twice without my control (I only submitted once in the morning, second time was at 10PM). As a result, I got charged a returned check fee and another fee. They still have yet to respond to me about how that’s happened. Why would anyone deposit a check twice unless they’re asking for trouble ? I’m closing my account after this. Just fees on fees and their mobile app runs at dial-up speed. Just save yourself trouble go bank with someone else.
There is a limit to how much can be deposited using the app, but the app does not tell you this. There is no auto capture feature for taking the picture of the front or back of the check to deposit a check. There is no reminder of how the bank wants the check endorsed. So compared to other bank’s app on this simple feature, it could be a lot better.
Since Cathay Bank changed the online banking or app (maybe last year?), the balances are NOT accurate. I should be able to see what my actual balance is so that I don’t overdraw on my account. But sometimes the App or online banking shows I have a negative balance when I know I have a positive balance. No point in having an app or online banking when the data is not accurate.
I have lived in the United States for decades, and this is the first time I have encountered this situation. For banks like Chase Bank, PNC Bank or more, as long as you open an account, you can directly log in to your bank platform to register on your phone ,Online banking and mobile banking, only Cathay Bank’s platform cannot operate and give any options. I really regret opening an account with Cathay Bank. I don’t even know how much money is in my account.
Cathay Bank should be investigated by the Federal Reserve.
Cathay Bank does not immediately or timely post debits/credits to your account. They wait literally 3 or more days before any transactions from that day are posted to your account. They also don’t have Apple Pay for iPhone. Cathay Bank is one of the worst banks in the U.S. I’d go as far as saying it’s the worst banking institution in the U.S. This app is getting bad reviews because the bank is abhorrent. The app should be updated with debits/credits immediately.
Both app, web site, and the backend services are a joke. If you are looking to do online banking with Cathay bank, forget it. 1. No ending balance per transaction 2. Online statement? Why make it so hard to see my monthly online statement? 3. No pending transaction? Hello? Are you really a bank? Bring me back the old crapy old app. It has out of dated user interface but at least I can do online banking normally. I had seen bad online banking app but this is the WORST!
The App is showing up the activities for last year. For the year of 2021, the activities started from April 5. Also the activities is few days behind. Other features are better than the old App.
The option to use Secure Message is useless. Even after you log into your profile with your credentials the bank will not provide requests for proof of bill pay check payments. Your said in your reply to call the customer service number. The point is to use this option to avoid calling. This is the worst experience.
As of October 2022, the mobile deposit feature is broken. After taking the front and back picture of my check, the app would auto jump back to the login screen. I had retried 4 times before it finally snapped out of the bug. This is unacceptable.
The Bill Pay interface is horrible. It’s short and customer can only see a few payees at a time. The activities page is also very bad, it purposely doesn’t show the balance right after each transaction. It looks like Cathay is tying to hide something from customers.
I used a iPhone, but the app keep asking for password even after I enable face recognition. Also it’s not user friendly and seem to lack function compared to other bigger bank like chase Citi and more
I don’t like the design of this app. I do not see the detail of my loan amount. It always shows 0. Verifying 2 small deposits is not working well. For example, $0.04 needs to inputted as 04. How about $0.70. I cannot figure it out. Bad design.
Something wrong with it. I opened new account, closed old account, but payment still show two accounts, I add new account to link the payment, it didn’t save. my payment option was blocked, I can’t access auto payment.
The software of the web camera must be improved! L have been took many time to mobile deposit, even though l used the iPad with newest software but l still need take a least two or three time to success deposit ! L deposited with chase app with only only one time.
Some of the feature of mobile banking not working correctly. Like if I made a principle payment, and the next day it will processed as next month regular payment. I called to the bank that said they can’t change it.
There are ACH transfer limits that should be disclosed in the app or online without having to wait a long time to speak to a customer care representative.
This is one of the worst bank app in the world, especially the mobile deposit, times and times failed to deposit check, and times and times I complained, but unfortunately it still failed and failed.
This is the worst of the finance apps on my phone. Face ID is spotty and only works sometimes. This app holds the record for attempts “unable to process at this time,” an inconvenient error for a banking app. When it does work, it does what it’s SUPPOSED to do.
This bank app always not available for service , mobile app online banking always maintenance. I can only do it on my computer website, if you make deposits of check, need to to local branch .
I have used so many bank apps and this is the only app where I have to consistently take photos of the check multiple and multiples times for it to even deposit. Waste of time
Start banking wherever you are with Cathay Bank Mobile Banking! Available to all Cathay Bank online banking customers. Cathay Bank allows you to make deposits, check balances, make transfers, send money, and find locations. Need to find a Branch or ATM closest to you? With Find Near Me, Cathay Bank will discover your location and provide you with addresses and phone numbers on the fly. FEATURES • Accounts - Detailed views of your account activity • Transfers - Transfer between your own accounts at Cathay Bank or accounts you maintain at other financial institutions • Bill Pay - View, pay or cancel bill payments to your existing payees • P2P - Send money to someone via their mobile phone number, email address, or direct to their bank account (limited capabilities on tablet) • Mobile Deposit - Deposit a check by taking a picture and submitting it through the app • Find Locations - Find the nearest Branch or ATM location • Fingerprint & Facial Recognition - Login with fingerprint or facial recognition Refer to Cathay Bank Online Banking Agreement and Electronic Consent Disclosure for terms and conditions applicable to all available services.
