做美客多、亚马逊美国的卖家，华美银行（East West Bank）几乎是标配收款卡。但账户到手后，很多人只知道收一笔货款，功能远没用透。
今天聊聊华美卡到底能干什么，以及它和Velo的区别。
01
华美卡的核心用途
华美是美国本土银行，账户原生支持美元结算，适合美区平台回款归集——亚马逊美国、美客多、TikTok美国站的货款直接进账户，再结汇回国。
除此之外，它还能对接港美股出入金、作为ITIN申请的身份验证文件之一，以及做美元定存等简单理财。一张卡，覆盖收款到资产配置。
02
华美和Velo的区别
很多人分不清：Velo是华美旗下的数字银行品牌。2026年7月15日起Velo分三档——Standard、Gold、Premier，按存款门槛减免月费。
普通华美本土账户服务更全面，适合需要线下网点和完整对公能力的用户；Velo胜在线上、开户轻、门槛灵活。选哪个，看你的资金量和用途。
03
三个使用提醒
First.维持最低余额：避免账户低于门槛被收月费，长期不用还可能被休眠处理。
Second.CRS要申报：美国虽非CRS交换方，但W-8BEN、ITIN等税务身份会被关联核查，合规使用别踩线。
Third.资金用途清晰：收款、结汇走正规路径，避免与不明账户频繁往来，保护账户安全。
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