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Industrial and Commercial Bank of China USA, National Association in New York, NY
ICBC (USA) N.A. is a national bank offering personal and commercial banking services, including deposits, lending, credit cards, and trade finance.
Data compiled from public sources · Rating from CreditDoc methodology
Industrial and Commercial Bank of China USA, National Association Review
S. subsidiary of the Industrial and Commercial Bank of China, one of the world's largest financial institutions. The bank has maintained continuous operations in the United States with a focus on serving both personal and business customers.
ICBC USA maintains FDIC insurance membership and is regulated as an Equal Housing Lender, demonstrating compliance with federal banking standards. ICBC USA offers a comprehensive suite of banking products across personal and commercial segments. Personal banking services include deposit accounts, lending products, and fund transfer capabilities.
The commercial banking division provides deposit solutions, commercial loans, commercial real estate financing, and specialized trade finance services including corporate syndication. Additionally, the bank offers credit card products with online activation capabilities, e-banking platforms for both personal and corporate customers, and remittance services. The bank maintains multiple physical branch locations with published business hours and ATM access.
The bank distinguishes itself through its connection to a major international banking institution, providing customers with access to global financial resources and international banking expertise. ICBC USA maintains formal customer service infrastructure including dedicated contact channels, Q&A resources, and published privacy/security documentation. The bank has published annual performance updates and maintains transparent communication regarding system maintenance, account changes, and service updates through its website.
As a national bank, ICBC USA operates under strict federal regulatory oversight with published CRA public files and change-in-terms notices. The bank's services are geographically limited to branch and ATM locations, and account opening requires in-person verification through witnessed account opening processes. Customer reviews and complaint data are not available from the provided website content.
Services & Features
ATM and branch access with published locations
Commercial deposit accounts
Commercial loans
Commercial real estate loans
Corporate e-banking platform
Corporate syndication
Credit card issuance and activation
Fund transfer and remittance services
Personal deposit accounts
Personal e-banking platform
Personal lending products
Trade finance services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- FDIC-insured deposits providing federal protection up to insurance limits
- Global banking connection through parent company Industrial and Commercial Bank of China
- Multiple banking channels including personal e-banking, corporate e-banking, and branch locations
- Comprehensive product suite spanning deposits, lending, credit cards, and trade finance in one institution
- Published privacy and security policies with dedicated customer service contact channels
- Trade finance and corporate syndication services for business customers
- Multi-language support including Simplified Chinese, English, and Spanish
Cons
- Physical branch/ATM network appears limited compared to major U.S. national banks
- Requires in-person witness account opening, limiting remote account establishment options
- No specific information provided about interest rates, fees, or competitive product terms
- Limited online information about approval criteria, credit requirements, or lending standards
- News updates on website are infrequent, with most recent substantive updates from 2024
Rating Breakdown
Value 5.0
Effectiveness 3.7
Customer Service 3.8
Transparency 4.0
Ease of Use 4.5
Frequently Asked Questions
Is Industrial and Commercial Bank of China USA, National Association legitimate?
Yes. Industrial and Commercial Bank of China USA, National Association is a registered company, headquartered in New York, NY, founded in 1983.
How long does Industrial and Commercial Bank of China USA, National Association take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 1983
- Headquarters
- New York, NY
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #24387
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Industrial and Commercial Bank of China USA, National Association
ICBC USA is best suited for customers seeking traditional banking services with international connections, particularly those who benefit from multilingual support or require trade finance services. The main caveat is that service availability is geographically limited to branch locations, and the bank requires in-person account opening, making it less accessible than purely digital banking alternatives.
Best For
- Chinese-speaking customers seeking banking services with multilingual support
- Businesses requiring international trade finance and cross-border banking services
- Customers with existing relationships to ICBC's global banking network
- Commercial entities needing corporate banking and syndication services
Updated 2026-04-29
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