留意East West Bank 部份分行可為你做video verification 開戶,可在家足不出戶開戶(但要簽文件寄番美國的開戶分行)。
另外有一些分行則會跟你telephone interview 開戶,之後要求你在East West Bank大中華地區的任何分行/代表處(香港IFC有分行/代表處)簽文件。
其實可考慮先開Firstrade International Brokerage Account (可上官網直接開, 1-2 working days okay, upload documents, 不須video verification), 之後再考慮開East West Bank value or premier checking account.
匯款去Firstrade or East West Bank, 以用Citi Priority HK Bank account 之overseas transfer(即TT, international wire transfer - SWIFT)最好.
[Citi Priority HK雖然有最低開戶金額, 但只要staff肯幫你開, 之後唔keep min. balance也okay.]
原則上,
US Firstrade International Brokerage Account (離岸)
(Stocks, ETFs, Bonds...etc.), current, VISA debit card - 3-in-1
美國SIPC - 最多USD500,000或等值存款及投資保障
US East West Bank Value Checking Account (NY) (離岸)
(with VISA debit card) [Optional: USD check-book]
美國FDIC - 最多USD250,000或等值存款保障
Citibank (Hong Kong) Limited - HK Citi Priority (在岸)
HKD Check-Link Savings (2-in-1) [w/ HKD Check-book],
USD Savings,
Currency Manager(Multi-currency - Global Wallet / Call Deposit)
Securities(Stock)
Bonds Accounts
(with Citi Priority HK MasterCard [HKD Check-link and Multi-currency Global Wallet] debit card)
香港存款保障-- 最多HKD500,000或等值存款保障
基本上開戶後唔駛keep min. balance, 非常正!
(如需要可開埋Swiss Dukascopy Bank Multi-currency Account (MCA) (離岸) - multi-currencies, Gold, Sliver, Gas, Oil...etc. , 一樣不須keep min. balance)
瑞士FINMA CHF100,000.-或等值存款保障