Chinatrust Bank (U.S.A.) is a full-service financial institution that offers personal and business banking services. The bank operates more than 20 branches throughout California, New Jersey, New York and Washington. It specializes in providing mortgage, investment and cash management services. Chinatrust Bank (U.S.A.) offers a variety of savings and checking accounts, fixed and variable annuities, mutual funds and insurance products. The bank provides Internet banking services that include funds transfer, bill payment and balance checking options. It additionally offers foreign exchange services and provides various ATM debit and credit cards and safe-deposit boxes. Chinatrust Bank (U.S.A.) maintains a location in New York City.