Service Overview

Personal Internet Banking Services Enhancement Notification（Version December 2024）

Chong Hing Bank Personal Internet Banking Services and Mobile Banking Services (collectively, the "Internet Banking Services") has released the latest version on 8 December 2024 (the "Effective Date"). This version primarily focuses on upgrading and optimizing services such as Account Overview, Fixed Deposit, Bonds, and Message.

A. Upgrade Summary

1. Add "Asset View" Feature in Account Overview
2. New Fixed Deposit Account Opening Services
3. Optimize Layout Design of Fixed Deposit Services
4. Add Secondary Market Selling and Early Redemption Services for Retail Bonds
5. Add "Promotion" Category in Message Function
6. Add New "Lifestyle Offers" Page

B. Upgrade Content

1. Add "Asset View" Feature in Account Overview

To enhance customer experience, “Asset View” feature is added in the "Account Overview" page based on the assets of the customer's account in HKD equivalent, which enable customers to have a clear understanding of their asset distribution at a glance.

2. New Fixed Deposit Account Opening Services

To facilitate customers in placing Fixed Deposit online, if customers do not have a Fixed Deposit account with the Bank, they can enter the“Fixed Deposit Placement” or “FCY Exchange Fixed Deposit” functions in Internet Banking Services, and follow the instructions to open a personal Fixed Deposit account and place the Fixed Deposit in just a few steps, without visiting a branch.

3. Optimize Layout Design of Fixed Deposit Services

To enhance customer experience, the layout of Fixed Deposit services has been optimized as follows:

- Display the total deposit amount (HKD equivalent) of the customer’s fixed deposit accounts at the Fixed Deposit Overview page;

- Display the maturity date, deposit amount, tenor and expected interest for each fixed deposit directly at the Fixed Deposit Overview page, sorted by maturity date (The fixed deposit with the earliest maturity date will be displayed first);

- Add a “Joint” label to fixed deposit accounts on all pages within the Fixed Deposit services to facilitate identification of joint accounts.

4. Add Secondary Market Selling and Early Redemption Services for Retail Bonds

Customer who holds investment account with the Bank can select "Investment" > "Bonds" in Chong Hing Mobile Banking, to sell or early redeem retail bonds subscribed with the Bank with ease and convenience.

5. Add "Promotions" Category in Message Function

In order to allow customers to receive the Bank's promotion and product information timely, a new category of "Promotions" has been added to the "Message" function of Chong Hing Mobile Banking. Customers can check out the latest promotional information and grasp the offers. In addition, information will be broadcasted next to the small speaker icon on the main page.

6. Add New "Lifestyle Offers" Page

To help customers stay informed of various offers from the Bank, a new “Lifestyle Offers” page has been added under “Promotions and Rewards” which showcases promotions covering daily needs of Hong Kong residents, allowing customers to easily access promotional offers and enjoy discounts for the daily life.

Chong Hing Bank Mobile Token Upgrade Notification

The bank upgraded Mobile Token Service on 30 June 2024, to provide better experience and flexible authentication methods to customer. Customers who have not reactivated Mobile Token after 30 June 2024, will receive a reminder after logging in to Mobile Banking, to notify them that they need to reactivate Easy Logon [Mobile Token PIN (PIN) or Fingerprint /Face ID Authentication (Biometric Logon)] and Mobile Token services on or before 22 November 2024, in order to continue using Easy Logon and perform high-risk transaction authentication.

If the customer does not reactivate these services before 22 November 2024, starting from 23 November 2024, their current Easy Logon and Mobile Token services may be disabled, and the customer will need to log into Mobile Banking service using their Logon ID / Customer Reference Number and Password, and reactivate the relevant services via “My” > “Personal Information and Security Settings”> “Mobile Security Setting”.

The above arrangement is not eligible for new customer or customer who have reactivated Mobile Token after 30 June 2024.

New Personal Internet Banking Services and Mobile Banking Services are launched!

Our Personal Internet Banking Services and Mobile Banking Services (collectively, the “Internet Banking Services”) are upgraded. With simple interface and comprehensive improvements to product functions, more than 40 new features and more than 30 customer experience enhancement, the upgrade design tailors customers’ financial needs, providing customers with a smoother online financial management experience.

Please click here for details of the service upgrade.

You can enjoy preferential pricing for the below items conducted via Internet Banking / Mobile Banking.

	Charges / Details
Items	via branches	via Internet Banking / Mobile Banking
CHATS	HKD - HK$200 per transaction USD- US$25 per transaction CNY - CNY 200 per transaction EUR - EUR23 per transaction	HKD - HK$50 per transaction USD- US$6 per transaction CNY - CNY40 per transaction EUR – EUR6 per transaction
Telegraphic Transfer	HK$140 / US$ 18 per transaction	HK$110 per transaction
Fixed Deposit Rate	General Rate	Preferential cloud rate

Service Overview

*Only applicable to Mobile Banking

Function
Register Now	Activation via Chong Hing Card: Enter your Chong Hing Card information to activate Internet Banking and Mobile Banking Services. Activation via Deposit Account: Enter your deposit account number to apply for an activation code to activate the Internet Banking and Mobile Banking Services. Activation via Credit Card: By entering the credit card information, Chong Hing Credit Card holders can activate Internet Banking and Mobile Banking Services to enquire outstanding credit card balance and conduct various transactions. *Activation via Identity Verification:** Customers who hold a valid account with the Bank only need to scan HKID card and take a selfie to activate Internet Banking and Mobile Banking Services
Remote Account Opening*	New individual customers can enjoy a new account opening experience of remotely open accounts and other banking services by downloading the Chong Hing Mobile Banking App with smartphones. Easy and simple steps, as fast as 10 minutes to open an account.
Account overview	Check the latest balances of fixed deposit accounts, investment accounts, credit card accounts, loan balances, monthly statements and account transaction records up to 12 months.
e-Statement	Retrieve and download your e-Statements up to 7 years, anytime and anywhere. Personal e-Statement Service is applicable to consolidated statements, current account statements and statement savings account statements.
Fixed Deposit	Place or renew fixed deposit, view account balance and change maturity instruction.
Foreign Exchange Fixed Deposit	Exchange currencies and place selected fixed deposit at the same time to enjoy preferential fixed deposit interest rates.
Transfer/ Faster Payment System (FPS)	24x7, instant transfer to registered or non-registered local accounts online which is safe and fast. It supports multiple transfer methods (account number, mobile phone number, email address, FPS identification code and credit card).
Telegraphic Transfer (TT)	24x7，online transfer to registered or non-registered overseas accounts. It supports Swift Go service which allows you to track the progress of remittances easily.
Cross-boundary Wealth Management Connect (WMC) Remittance*	Visit any branch of the Bank for qualification verification and open a WMC remittance account, and then you can bind the investment account and remit fund online.
My Payee	Register local third-party accounts and TT accounts anytime, anywhere. It supports multiple registration methods (account number, mobile phone number, email address, FPS ID and credit card) to make transfer easier.
Online Transaction Records	24x7，easily query transfer and remittance transaction records submitted online.
Bill Payment	Settle bills of over 900 major merchants in Hong Kong by transferring funds from your savings/current accounts or credit card account. You can enjoy convenient bill payment services by placing "Forward-dated Bill Payment Instruction" for up to 45 days in advance, and set up payees of frequently bill payment through "My Payee List". Click here for a full merchant list. Note: Some merchants only accept payments from savings/current accounts.
QR Code Pay/Collect* (*Mobile banking only)	QR Code Collect：All you need is a mobile phone number, email address or FPS ID to bind your FPS account online. Generate payment QR code and receive money instantly anytime, anywhere. QR Code Pay：Just scan a QR code to transfer money to friends or merchants across banks anytime, anywhere, safely and conveniently.
Currency Exchange	Buy or sell various currencies with the designated same name HKD and foreign currency / Renminbi accounts, enquire online currency exchange record, and share the foreign exchange rates with friends and relatives anytime anywhere. Selected customer can enjoy preferential exchange rates.
Fund	Search fund according to fund asset class, distribution class and risk rating, and subscribe in one-go.
Bond	During the government bond IPO, you can log on to the Mobile Banking to submit online subscription instructions quickly and securely.
Securities*	You can apply to open a securities account with Chong Hing Securities Company Limited (a wholly-owned subsidiary of Chong Hing Bank) through our Mobile Banking.
Investment Account Opening*	Open an investment account and it is not required to visit the branch to submit documents in person. After opening an account, you can subscribe for funds online.
Investment Profile Questionnaire and Vulnerable Customer Assessment (IPQ)	Fill out the investment risk assessment questionnaire.
Currency Linked Deposit (CLD)	Select HKD / Renminbi or other foreign currencies as deposit currency or linked currency.
Investment Transaction Record	Enquire investment transaction records of fund, bond, currency linked deposit and structured product.
Credit Card Services	Enquire the details of your Credit Card, including the credit limit, available credit Limit, outstanding balance, payment due date, minimum payment, statement balance and bonus points balance. Enquire Recent Transaction Record, including “All”, “Billed” (transactions that have been billed in the current statement) and “Unbilled” (transactions to be billed in the next statement) transaction records. Settle Credit Card Balance- settle your credit card outstanding balance by making payment from your deposit account. Provide Others Credit Card Services- including “Installment Loan Program” application, “Installment Loan Program”documents submission-, credit card application, statement installment program, credit card setting, report card loss and credit card transaction authentication.
Loans	Enquire about the loan status under your name and apply for personal loan and mortgage loan
Rewards and Offers	Check the latest promotions and rewards
Account Management and other Value-added Services	1. Personal Information and Security Settings Mobile Security Setting：Mobile Token Service can be activated via Mobile Banking in order to activate the easy logon and high-risk transaction verification service functions. You can also modify or reset the Mobile Token PIN and deactivate the Mobile Token Service. Change Logon Password Change Logon ID Change Email Address Forgot Logon ID Forgot Password 2. Account Settings Add/Delete Account：Manage your bank accounts displayed on Internet Banking and Mobile Banking, including HKD or foreign currency savings deposit account, fixed deposit account, multi-currency savings account, current account, credit card account and investment account, etc. Account Reactivation：You can reactivate a dormant account in Hong Kong or overseas via Internet Banking and Mobile Banking Cheque book (only applicable to Internet Banking) 3. Transfer Settings FPS Addressing：Use your mobile phone number, email address or FPS ID to bind your Chong Hing Bank account, to use FPS inter-bank transfer service. Transaction Limit Setting：Check and set daily transaction limits instantly for transfers, remittances and bill payments online. It is safe and convenient. Electronic Direct Debit Authorisation (eDDA) Service：Authorise or modify the recurring payment agreement provided by the merchant through electronic channels，convenient and reliable. 4. Card Settings Report ATM Card Loss Report Credit Card Loss Overseas ATM Transaction Settings Report Unauthorised Transaction of ATM Card ATM Card Unauthorised Transaction Enquiry Temporary block or unblock ATM Card
Cash Advance	Advance cash from Credit Card to the to your designated same name account.
Financial Information	Enquire deposit interest rate and foreign exchange rate.
Products / Services Application	Apply for cheque book