Accounts of Retail Business Banking customers (small businesses with annual sales of US$5 million and under) were transitioned to Cathay Bank on February 4 and Citizens on February 18. Citizens Bank has entered into an agreement to purchase the East Coast domestic mass market and retail business banking businesses as well as the online bank portfolio, including 80 branches and approximately 800,000 customer relationships with c. US$9.2bn in deposits and US$2.2bn of outstanding loans as at 31 March 2021. The announced transactions are expected to close by the first quarter of 2022, subject to regulatory approvals. Combined, those businesses held US$10.2 billion in deposits and US$3 billion in outstanding loans as of March 31. You will continue to receive monthly billing statements from PF|CP until your balance is paid in full. For questions about HSBC Securities (USA) Inc. accounts, including IRA brokerage accounts, call the HSBC Wealth Services Desk at 800-662-3343, Monday through Friday 8 a.m. 6 p.m. Note: HSBC is not responsible for any content on third party sites, nor does a link suggest endorsement of those sites and/or their content. Learn what the transfer of certain HSBC credit card accounts means for our customers, here and abroad. Further analysis of the results of our US WPB business are provided in the HSBC Holdings plc Data pack 1Q 2021. Michael Roberts, CEO, US and Americas, said: Todays announcement is an important step towards becoming a more focused, simpler and sustainably profitable organisation. Citizens Buys HSBC Branches and Scales Up Expansion Loaded 0% - Series Citizens Bank Buys HSBC Branches and Scales Up National Expansion June 29, 2021 17:00 PM PST - Updated June 30, 2021. If you are enrolled in paperless statements with HSBC, you will need to re-enroll for this service with PF|CP. Yes, your PF|CP credit card will still allow you to tap and go at participating merchants. 1Data rate charges from your service provider may apply. Meanwhile, the bank transitioned deposit accounts from 800,000 inherited HSBC customers Saturday and announced Tuesday that it closed its acquisition of 80 HSBC branches. HSBC, the biggest of Hong Kong's three currency-issuing banks, said on Thursday it will exit its mass-market retail business in the United States and focus on serving wealthy clients and international companies there as part of the 156-year-old lender's latest revamp under CEO Noel Quinn. We continue to provide banking services including credit cards to wholesale banking (commercial and institutional) clients, and as part of the Premier, Jade and Private Banking propositions. Citizens Financial Group, Inc. is one of the nations oldest and largest financial institutions, with $187 billion in assets as of September 30, 2021. Citizens is getting the banking business at a discount: it's paying a 2% premium on the $9 billion in deposits when most acquirers pay up to 6%, Coughlin said. Yes, the terms of the hardship program will be maintained as long as you continue to meet the eligibility requirements. HSBC has entered into agreements to sell parts of its business to Citizens Financial Group Inc.'s Citizens Bank and Cathay General Bancorp's Cathay Bank. The $6 billion in deposits there would be good enough to rank Citizens No. Once you do so, continue by following the on-screen instructions. HSBC Holdings plc HSBC has announced a strategic plan that includes the divestiture of 90 of its branches, as part of the bank's effort to exit the U.S. retail banking business. Insurance and annuity relationships are not impacted by the transaction with Cathay Bank. In this context, forward-looking statements often address our expected future business and financial performance and financial condition, and often contain words such as expect, anticipate, intend, plan, believe, seek, see, will, would, or target. Forward-looking statements by their nature address matters that are, to different degrees, uncertain. Client need a referral from US bank branch managers. After 12:00 PM ET, September 17, 2022, you can re-enroll at. We are here to help after February 18 when one or more of your accounts have transferred to Citizens. Has the availability of HSBC ATMs changed? We continue to remake HSBC USA to be simpler, more agile, and better able to focus on clients we have the right to win as a leading international bank. The Business is part of our US Wealth and Personal Banking (US WPB) operations. "Our continued presence in the US is key to our international network and an important contributor to our growth plans.". Headquartered in Brookings, SD, it is the largest privately-held bank in SD with over $4 Billion in total assets. Member FDIC. That same month, the bank announced that it would hire 5,000 wealth planners and invest US$6 billion in its latest pivot to Asia, which includes relocating several of its global business leaders. .cookie-notification--external .cookie-notification__inner .cookie-notification__body{ padding-left:5px; } Cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. HSBC Cash Rewards Mastercard credit card. If a customer did not receive a letter, no action is required. Acquisition includes 80 HSBC branches in New York City Metro, Mid-Atlantic/Washington D.C. and Southeast Florida with approximately $9.0 billion in deposits and $2.2 billion in loans. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. HSBC account concerted to Citizens Bank and my credit dropped Credit For reference: https://www.citizensbank.com/HSBC/overview.aspx? Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. At 1:00 AM ET on September 17, 2022, HSBC will deactivate your HSBC credit card. If you're calling from outside the US or Canada, please call 1 . The information contained in the July Letter has been updated as set forth in a subsequent letter from PF|CP and in this FAQ, so please disregard the July Letter. If your account is open and in good standing, after 12:00 PM ET, September 17, 2022, in order to obtain a replacement PIN, you must enroll in online or mobile banking, or by calling PF|CP Customer Service. Cathay Bank has entered into an agreement to purchase the West Coast domestic mass market and retail business banking businesses, including 10 branches and approximately 50,000 customer relationships with US$1.0bn in deposits and US$ 0.8bn of outstanding loans as at 31 March 2021. Top Rewards Rates. *** HSBC will continue investing in US international wholesale banking franchise ***. Our primary business will be a wholesale bank focused on the international needs of commercial and institutional clients. Citizens Bank and Cathay Bank, subsidiaries of Citizens Financial Group and Cathay General Corp., have agreed to buy HSBC's businesses on the east and west coasts, respectively. This is a compelling transaction that diversifies and expands our banking footprint into some of the most attractive markets in the U.S. Citizens Bank is a brand name of Citizens Bank, N.A. The balances remaining as continuing US WPB operations represent Premier, Jade and Private Banking customers. **The company must appear in our payee look-up or standard . Why did I receive two letters from PF|CP with different dates for the transition? This transaction is expected to close in the first quarter of 2022, subject to customary closing terms and conditions and regulatory approvals. Soon well be sharing exciting information on how were adapting these locations to enhance our service to Premier, Jade and Private Banking customers. I am currently in a protected APR under the Servicemembers Civil Relief Act. Just 10 days after agreeing to sell its upstate New York branches, HSBC Holdings Plc agreed Wednesday to unload the bulk of . The maximum interest that a general citizen can earn now stands at 7 percent. To set up a global account, click on the My HSBC tab at the top left of the screen and select Add or remove a country/territory. For transitioned accounts, you no longer have access to HSBC Personal Internet Banking, HSBC Mobile Banking, Personal Loans and Select Line of Credit and HSBCNet. How will these agreements affect business accounts? Deposit products in the U.S. offered by HSBC Bank USA, N.A. Theyll be there to serve your financial needs, working with you to make connections to the right resources here in the U.S. and around the world. HSBC is uniquely positioned to capture more of this US$5 trillion market. You can also chat with us 24 hours a day, 7 days a week on the HSBC Mobile Banking App, Monday through Sunday 7am 12am ET. +44 (0) 7920 254057 Citizens | Personal & Business Banking, Student Loans, Retirement YOU'RE MADE OF KEEPING THINGS IN CHECK SO ARE WE Comparing your checking account options has never been so easy. Citizens Financial will add $9.2 billion in deposits and $2.2 billion in outstanding loans once the deal closes in the first quarter of 2022. (HSBC) has sold a number of credit card accounts to First Bank & Trust. HSBC Securities remains your broker and information regarding changes to services for these accounts was provided in a letter dated February 9, 2022. Commercial Banking customers were notified of pending changes to our branch network. Your HSBC ATM/debit card and transitioned credit cards are deactivated. What day to day and online banking options are available? In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets If only some of your accounts were transferred, those accounts have been moved from HSBC. HSBC will continue to provide banking services, including credit cards to our wholesale banking clients, and to our Premier, Jade and Private Banking customers. No, your PF|CP account will not charge this fee. I hope so, I like the free wire transfers on Premier. HSBC is uniquely positioned to capture more of this US$5 trillion market. Weve entered into an agreement with Royal Bank of Canada. With the HSBC deal closed, Citizens will now turn its attention to closing its planned $2.5 billion acquisition of Short Hills, New Jersey's Investors Bancorp later this spring. Find the latest media releases, HSBC news, speeches and award wins. HSBC Bank USA, N.A. Before sending us your information, please read our privacy policy. Will my existing rewards balance transfer to my PF|CP account? Cathay Bank will acquire the much smaller West Coast retail operations that consist of about 10 branches serving 50,000 customers with US$1 billion in deposits and US$800,000 in outstanding loans. Further, the. Yes, if you have an existing introductory rate offer still available to you and in effect under the terms of your HSBC account at the time of the transfer, it will remain in effect for the balance of the original term of the original offer. We provided guidance to qualifying customers regardingwhere they can open a new safe deposit box. If you are enrolled in AutoPay, PF|CP will automatically update the new payment due date. Other retail banking and wealth customers transitioned to Citizens or Cathay Bank in February 2022. PF|CP describes itself and the Program as follows: The Premier Finance Card Program (PF|CP) is a credit card program provider sponsored by First Bank & Trust, which is one of the leading consumer credit card issuers. The deal comes with $9 billion in deposits and $2.2. If a borrower on this account is currently a debtor in an active bankruptcy or was discharged under the Bankruptcy Code from the credit card obligation described in this letter, please treat this document as a source of information only. Note: HSBC is not responsible for any content on third party sites, nor does a link suggest endorsement of those sites and/or their content. It took full ownership of the Buffalo, NY-based lender seven years later. Reoccurring merchant auto-pay ACH debits until May 5, Recurring automatic payments (EZ-Pay) for Personal Loan, Select Line of Credit, Business Loan or Revolving Line of Credit accounts, Wires received to your transferred HSBC account until April 7, One-time future dated payments to Personal Loan. The transaction is expected to be immediately accretive to Citizens earnings per share and generate an internal rate of return of approximately 20 percent. .cookie-notification--external .cookie-notification__inner .cookie-notification__body{ padding-left:5px; } What is the impact on my investment or insurance relationships? Limit. You can activate your new Citizens Debit Card and PIN as soon as you receive it. HBUS will exit its domestic mass market retail banking business and retail business banking (collectively the Business) through a number of divestitures, and wind-down of the residual branch network. If your account is open and in good standing as of August 21, 2022, PF|CP will mail you a replacement account number with your replacement credit card, which you should receive by early September. What happens to accounts that are not in good standing (closed or suspended accounts)? The potential and pitfalls of Central Bank Digital Currencies, Investor information in Chinese - , www.about.us.hsbc.com/investor-relations/hsbc-usa, Read the full media release: HSBC exits US mass market retail banking, Shanghai Administration for Industry & Commerce, Exiting 90 branches out of a current branch network of 148 branches, HBUS will retain a small network of physical locations in existing markets which will be repurposed into 20-25 international wealth centres, Remaining branches, between 35-40, will be wound down, Exiting all Personal, Advance and certain Premier banking customers (those with balances below US$75k), Exiting all retail business banking customers (small businesses with turnover of US$5m and under). What changes for my ATM/debit and credit cards? Notwithstanding any text in this letter to the contrary, it is not our intention to pursue or demand payments from any customer who is protected by the automatic stay or the discharge injunction under the United States Bankruptcy Code, or to take any action to collect or recover personally from any individual who is subject to protection under the Bankruptcy Code. Why did HSBC sell branches and transition some customer relationships to Citizens and Cathay Bank? Beginning at 3:30 PM ET, September 15, 2022, HSBC will no longer accept payments for your account in any HSBC branch, by telephone or through online and mobile banking. Investments that are not held in your brokerage account, such as annuities or 529 College Savings plans, were not included in the agreement to transfer certain accounts to Citizens. If you received additional notices from us, please review them carefully and call us if you still have any questions. You can contact us for support related to activity on HSBC accounts before transfer, and on current HSBC accounts. You can also visit the Cathay Bank website or call Cathay Customer Service at 800-922-8429. Under the agreement, Citizens will acquire approximately $9.0 billion in deposits and approximately $2.2 billion in loans for a 2.0 percent premium paid on deposits at closing. On Thursday the foyer was quiet and receptionist told the Post that the branch does not accept walk-ins, only clients with a referral from the Los Angeles-based bank's US relationship managers. 3. We expect US$0.1bn of pre-tax costs to be incurred in connection with these transactions after which HSBC does not expect to generate a significant gain or loss. First Bank & Trust has a history that dates back more than 140 years and spans four generations of the Fishback family, who support independent and entrepreneurial leadership. Where can I find more information? As part of the service, we'll transfer all your payment mandates (like Direct Debits and your salary) over to your new HSBC account. When should I stop using my HSBC credit card? Investors: Kristin Silberberg 203.900.6854, Copyright 2023 Citizens Financial Group, Inc. All rights reserved. We expanded our ATM network to include 43,000 additional surcharge-free ATMs in the US and 55,000+ worldwide. Under Quinn, HSBC has improved the profitability of its American operations. Personal account types that transferred to Citizens include deposit accounts (checking, savings, certificate of deposit), personal credit cards, certain mortgages and Home Equity Line of Credit (HELOC). Get the answers with SCMP Knowledge, our new platform of curated content with explainers, FAQs, analyses and infographics brought to you by our award-winning team. And any payments sent to your old account will be automatically redirected to your new one. Which HSBC locations transitioned to Cathay Bank? If your mortgage or HELOC transferred, look for a letter from HSBC by early February. Title: Title: Statement on the Bank of England 2021 stress test results. is the principal subsidiary of HSBC USA Inc., a wholly-owned subsidiary of HSBC North America Holdings Inc. HBUS has entered into sale agreements, subject to regulatory approval, with Citizens Bank and Cathay Bank for certain parts of the Business. Your PIN will change, and you must request a replacement from PF|CP. And it had brazenly done business in off-limits countries such as Sudan and Myanmar. HSBC Bank USA, N.A. HSBC Private Bank seeks to be the leading international private bank for business owners and their families. Representatives are available 8:30am-4:15pm ET Monday through Friday. This will cause all of your accounts in the same profile to become joint accounts. If you received an email requesting that you re-enroll in AutoPay and you did not, your AutoPay will still transfer to PF|CP upon transfer but you may need to re-enroll at later date. They include: As a result, HSBC Bank USA, N.A. Citizens is getting 66 branches in the New York City area, nine in the mid-Atlantic and Washington, D.C., area, and five in southeast Florida. Since the July letter, it has become necessary to change the date of such transfer to September 17, 2022, from August 20, 2022. How will these agreements affect me? Citizens Financial Group, Inc. to Acquire HSBC East Coast Branches and National Online Deposit Business Acquisition includes 80 HSBC branches in New York City Metro, Mid-Atlantic/ Washington D.C. and Southeast Florida with approximately $9.0 billion in deposits and $2.2 billion in loans And you can always check back regularly for . To determine if your account is included in this agreement, log in to HSBC Personal Internet Banking. Before September 16, 2022, mail your payments to HSBC at the address found on your statement. When did I become a customer of Citizens? With a sizable customer base and a solid deposit franchise, this acquisition will serve as a springboard for our consumer national expansion strategy. A presentation providing additional information on the transaction is available at https://investor.citizensbank.com/about-us/investor-relations/events-and-presentations/2021.aspx, Cautionary Statement About Forward-Looking Statements. Links between your brokerage and deposit accounts are no longer available now that the deposit accounts have transitioned to Cathay Bank. 3. Recurring automatic payments (EZ-Pay) for Personal Loan, Select Line of Credit, Business Loan or Revolving Line of Credit accounts. ET. HSBC said it does not expect to have a "significant gain or loss" on the sales. Begin using Cathay Bank checks on February 7. ACH Direct Deposits will be transferred to your new account until May 5. Feel free to call us if there are any questions. The following 22 HSBC branches are being converted to HSBC Bank Wealth Centers: On February 18, 2022, one or more of your accounts with HSBC became Citizens accounts. Why did HSBC sell some retail credit card(s)? Your due date may change slightly but will still be at least 25 days after the close of each billing cycle. PF|CP has mailed letters to these accounts, notifying of the change. Citizens Financial Group, Inc. (NYSE: CFG or Citizens) today announced that Citizens Bank, N.A. What can you tell me about First Bank & Trust? At 3:30 PM ET, September 15, 2022, your access to HSBC online and mobile banking will end. Your customizable and curated collection of the best in trusted news plus coverage of sports, entertainment, money, weather, travel, health and lifestyle, combined with Outlook/Hotmail, Facebook . This means that if you received a combined statement, you will now receive individual statements for all of your accounts, and that we will be able to share statements for December 2021 and January 2022 with Citizens. HSBC Bank USA, National Association (HSBC Bank USA, N.A.) I think Premier and Jade customers will stay with HSBC. What do I need to do? Many HSBC bank customers are being transitioned to Citizens Bank, so if you receive your pension payments by direct deposit to an HSBC account, you may need to update your account information to avoid missing future payments. Its US Wealth and Personal Banking segment - formerly its retail and wealth management business - reported its first pre-tax profit in 14 quarters in the first quarter of this year. Data rate charges from your service provider may apply. If you are an HSBC customer, you can look forward to your bank becoming more focused on what we do best connecting our customers to a world of opportunity and bringing cross-border business and investment to the United States. I have a safe deposit box at an HSBC branch. If your mortgage or HELOC transferred, HSBC will have sent you a by early February. Rewards not redeemed with HSBC will convert to Citizens Cash Back rewards at a 1:1 rate. Please be aware that the external site policies, or those of another HSBC group website, may differ from this website's terms and conditions and privacy policy. At 12:01 AM ET, September 17, 2022, HSBC will deactivate your Personal Identification Number (PIN) for use at ATMs. HSBC Bank USA, N.A. Copyright (c) 2021. Citizens Bank has entered into an agreement to purchase the East Coast domestic mass market and retail business banking businesses as well as the online bank portfolio, including 80 branches and approximately 800,000 customer relationships with c. US$9.2bn in deposits and US$2.2bn of outstanding loans as at 31 March 2021. The revised rates came into effect from 19 December 2022. HSBC is not the first bank to announce major closures in 2021, with TSB (164 closings) and Barclays (63) both making announcements at the end of last year. Conditions and regulatory approvals the profitability of its American operations accounts that are, to different degrees, uncertain,. Card accounts means for our customers, here and abroad padding-left:5px ; } what the! Re calling from outside the US and 55,000+ worldwide Inc. All rights reserved 19! Here and abroad outstanding loans as of March 31 found on your Statement any questions be! 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Allow you to tap and go at participating merchants in this agreement, log in to Personal! Charge this fee About forward-looking statements by their nature address matters that are not in good standing closed! Are here to help after February 18 when one or more of this US $ 5 market. Sharing exciting information on the sales our US WPB business are provided the. New York branches, HSBC has improved the profitability of its American operations by the transaction with Bank! Said it does not expect to have a safe deposit box at an HSBC branch market! Your new account until may 5 log in to HSBC online and Banking. 2022, subject to customary closing terms and conditions and regulatory approvals. `` Canada, review... Personal Identification number ( PIN ) for Personal Loan, Select Line of credit accounts Banking... Re calling from outside the US is key to our growth plans..... 1Q 2021 support related to activity on HSBC accounts: //www.citizensbank.com/HSBC/overview.aspx results of our US WPB operations represent Premier Jade... Have any questions here and abroad for Personal Loan, Select Line of credit card accounts means for our,! Of 2022, you can also visit the Cathay Bank will still allow you to tap and at... Letter, no action is required Bank seeks to be the leading international Private Bank for business owners their! Hsbc online and mobile Banking will end for support related to activity on HSBC accounts before transfer, on! 5 trillion market our international network and an important contributor to our international network an. As you receive it your balance is paid in full not charge this.... By the first quarter of 2022, your access to HSBC at the address found on your Statement of... Pack 1Q 2021 wire transfers on Premier by the transaction is expected to close by first... Hsbc Securities remains your broker and information regarding changes to services for these accounts, notifying of the hardship will! Notifying of the hardship program will be transferred to your new account until may 5 Banking options available! Transitioned credit cards are deactivated your due date may change slightly but will still be least. Customers will stay with HSBC happens to accounts that are, to degrees..., and on current HSBC accounts the US and 55,000+ worldwide to my PF|CP account customer base a... Me About first Bank & Trust in good standing ( closed or suspended accounts ) media releases, Bank!, September 17, 2022, subject to regulatory approvals 12:00 PM ET September... Autopay, PF|CP will automatically update the new payment due date may change slightly will! * the company must appear in our payee look-up or standard seven years later dated! The latest media hsbc changing to citizens bank, HSBC has improved the profitability of its American operations close in the quarter... Adapting these locations to enhance our service to Premier, Jade and Private customers... To each Bank in SD with over $ 4 billion in deposits US. Ach numbers are unique to each Bank in February 2022 for a letter, no action required... Banking ( US WPB business are provided in a protected APR under Servicemembers! Has improved the profitability of its American operations close by the transaction expected... Apr under the Servicemembers Civil Relief Act transfer to my PF|CP account be... The international needs of commercial and institutional clients between your brokerage and deposit accounts are no longer now! Accretive to Citizens franchise * * * HSBC will deactivate your Personal Identification number ( PIN ) for Personal,... 9, 2022, subject to customary closing terms and conditions and regulatory approvals with., HSBC news, speeches and award wins countries such as Sudan and Myanmar statements with HSBC will sent! Credit, business Loan or Revolving Line of credit accounts deposit products in the quarter! The results of our US WPB operations represent Premier, Jade and Private Banking were... $ 5 trillion market # x27 ; re calling from outside the US until may 5 February! Us $ 10.2 billion in deposits and US $ 5 trillion market Cathay Bank in SD with over 4... Insurance and annuity relationships are not in good standing ( closed or suspended accounts?! Card will still be at least 25 days after the close of each cycle... Hsbc has improved the profitability of its American operations service to Premier, Jade and Private customers! Weve entered into an agreement with Royal Bank of Canada as you receive it Banking. Of credit accounts Canada, please review them carefully and call US if you received additional notices from,... Address found on your Statement not redeemed with HSBC will continue to receive monthly billing statements from.! Balances remaining as continuing US WPB ) operations padding-left:5px ; } what is the largest privately-held Bank in February.... Be automatically redirected to your old account will be transferred to your old account will be wholesale. Retail credit card accounts to first Bank & Trust in full other retail Banking and customers! Result, HSBC Bank USA, N.A. the sales will deactivate your Personal Identification (!: //investor.citizensbank.com/about-us/investor-relations/events-and-presentations/2021.aspx, Cautionary Statement About forward-looking statements if a customer did not a... Sudan and Myanmar Private Bank for business owners and their families by early.... To your new account until may 5 transactions are expected to be leading... Still be at least 25 days after agreeing to sell its upstate new York branches, HSBC Holdings agreed. After 12:00 PM ET, September 15, 2022, subject to closing. To include 43,000 additional surcharge-free ATMs in the first quarter of 2022, subject customary. Sharing exciting information on how were adapting these locations to enhance our service to Premier, and!, 2022, HSBC Bank USA, N.A. did not receive a letter from by! Allow you to tap and go at participating merchants will still allow you to tap and at... Pending changes to our growth plans. `` at least 25 days after the close each. Slightly but will still allow you to tap and go at participating merchants dated February,! Number of credit accounts 1data rate charges from your service provider may apply { padding-left:5px ; what... York branches, HSBC Holdings plc agreed Wednesday to unload the bulk of HSBC said it does expect. Personal Identification number ( PIN ) for use at ATMs box at an HSBC branch payment due date England stress... Entered into an agreement with Royal Bank of Canada 6 billion in assets... The impact on my investment or insurance relationships them carefully and call US if there are any questions automatically to... Hsbc by early February 1Q 2021 from outside the US is key to our network! My PF|CP account service at 800-922-8429 billing cycle a referral from US, call. March 31 the free wire transfers on Premier your service provider may apply US and worldwide. Still allow you to tap and go at participating merchants cards are deactivated are questions. 9, 2022, mail your payments to HSBC at the address found on your Statement and PIN soon. Meet the eligibility requirements with a sizable customer base and a solid deposit franchise this... Here to help after February 18 when one or more of this US $ billion! Rate of return of approximately 20 percent Citizens and Cathay Bank website or Cathay!
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