But eventually the city couldn't provide enough business for the bank and Chang Hua Bank decided to move to T'ai Chung. Chang Hua originally prospered because of its proximity to Lu Kang. Lu Kang was one of the 3 largest ports in Taiwan during the Ching dynasty (1644-1911). Chang Hua was at the center of a transportation matrix with easy access to water and rail routes.
彰銀創建於彰化市的彰化街上，後因北鄰台中逐漸興起，成為中部的政經中心，乃於民前二年將總行遷至台中。