All fees listed are only applicable to Grenada. Please see the Schedule of Fees for Antigua & Barbuda here.

Account Fees

Account Fees

CHEQUING ACCOUNTS (EC$ & US$)
(BUSINESS & PERSONAL)

Minimum To Open

$300.00

Monthly Service Charge

$20 + VAT

Per Item Charge                                                  

- Per Debit

- Per Credit

2 Free, thereafter $1.50 per debit

Free

Cheque Books

Cost + Stamp Duty

Unauthorised Overdraft Interest

16% minimum $35 + $30 per Cheque Administration Fee

Dishonoured Cheque Returned on Depositor

$30 + VAT per Cheque

Stop Payment Local Cheques

$50.00 + VAT

NSF Returned Cheque

$100 + VAT

In-Branch Transaction 

In branch $5.00 +VAT; Off-site ATM Withdrawals $1.00 + VAT

Overdraft Protection - Excess Fee

5% above the approved rate or min $100.00


Overdraft Protection Annual Fee

1% + VAT, min $250.00 + VAT 

Overdraft Protection Management Fee for Regular Chequing & VIP Banking


1% of account + VAT, min $300.00 + VAT

Overdraft Protection Annual Review

0.5% of current OD limit + VAT, min $150.00 + VAT

Overdraft Protection Temporary Accommodation Fee

1% of Current OD Limit + VAT min $300.00 + VAT

USD Chequing Account Service Charge on Debits

 $1.50 US per Debit + VAT


* Charges for USD accounts will be applied in USD currency.
SAVINGS ACCOUNT

Minimum To Open

$100

Interest Rate

2% p.a.

Minimum Balance to Avoid Fees and Earn Interest

$100

Charge For Minimum Balance Violation (Per Month)

$10.00 + VAT

Enhanced Maintenance Fee - US Citizen - (CIP)

$0

In-Branch Transactions 

                               

ATM Withdrawal-Offsite ATMs



2 Free, $5.00 + VAT thereafter 

                                                    

$1.00 + VAT

Monthly Service Charge

$3.00 + VAT

US Accounts Debit Charge 

 $1.50 US per debit + VAT

Third Party Transactions

$15 + VAT

JUNIOR SAVINGS
ESTABLISH STRONG SAVING HABITS EARLY

Minimum Opening Balance

$100

Minimum Balance to Avoid Fees and Earn Interest

$100

Interest Rate

2% p.a.

Age

60

Opening Balance

$5,000.00

Interest Rate

0%

Monthly Service Charge

$10.87 + VAT

Free Withdrawals

ALL

Minimum Opening Balance

$10,000

Starting Age

55 years

Interest Rate

2.1% p.a

Monthly Service Charge

$2.00 + VAT

Feature

Free or Discounted Products - 50% discount on foreign draft; Offer preapproved credit cards; Card limits will be 10% of 3-year average savings; maximum US $10,000

Deposit Fees

Deposit Fees

Small Boxes

$200 + VAT per year

Medium Boxes

$300 + VAT per year

Large Boxes

$350 + VAT per year

Extra Large Boxes

$400 + VAT per year

Number of free visits per month

2

Charge per visit exceeding 2 per month

$20

Box Drilling

Contractor Cost

Listing of Contents

$50 for the first hour; $25 additional hour + VAT

Replacement locks/ lost or broken keys

Full cost, minimum $100 + VAT

Rental Rebates (Surrender)

.50% for unexpired months; full cost minimum $100 + VAT

Night Deposit Services (Annual Fee)

$150.00 + VAT (Canvas Bags)

Night Deposit Disposable Wallet                        

- Small

- Medium

- Large

$150.00 + VAT

$250.00 + VAT

$275.00 + VAT

Replacement of lost/ stolen/ broken keys

$50.00 + VAT

Opening Balance

Min $5000.00

Interest Rate

0.1%

Term

1 Year

Penalties

Early Termination: Interest paid on months completed over 90 days. Interest forfeited if terminated before 90 days. 

Document Fees

Document Fees

E-Statements

Original - Free

Duplicate Statement (Print or Email)


$10.00 + VAT per month


Certification / Confirmation of Balance/ Reference Letter

$50 + VAT

Letter to Embassy

$50 + VAT

Statement of Interest Paid for Income Tax Purposes

$50 + VAT

Due Diligence Report (Third-party Transactions on sale of land/property)

Free

1 Year prior to Current Year

$60 + VAT

2 Years prior to Current Year

$75 + VAT

3 Years prior to Current Year

$100 + VAT

4 Years prior to Current Year

$200 + VAT

5 Years prior to Current Year

$250 + VAT

Set-up Fee

$25 + VAT

Monthly Fee - External - To transfer funds locally


$40 + Stamp Duty + VAT

Amendment / Cancellation

$25 + VAT

Local / Managers Draft

$30 + Stamp Duty + VAT

Issuing replacement local draft / Manager's cheques

$50 + VAT

International Money Orders - Drafts   

  - Foreign Drafts purchased in any currency         - Replacement of Foreign drafts

$30.20 + Correspondent Bank Charges + VAT    $120.20 + Correspondent Bank Charges + VAT

Deposit / Encashment of Foreign Drafts

$5.086 + VAT

Tracers on Drafts/ Money Orders

$100 + Correspondent Bank Charges + VAT

Stop payment

US $100 + VAT

Transfer Fees

Transfer Fees

Transfer between Accounts

Free

Check Balances

Free

Electronic Funds Transfer (EFT)

$1.50 + VAT

To the Caribbean

Online / Via App $55 / In-branch - $65 + Correspondent Bank Charges + VAT

To the United States

Online / Via App $100 / In-branch - $120 + Correspondent Bank Charges + VAT

To Canada

Online / Via App $100 + 0.75% / In-branch - $120 + 0.75% of Transaction Amount + Correspondent Bank Charges + VAT

To the Rest of the World

Online or Via App $100 / In-branch $120 + Correspondent Bank Charges + VAT

Incoming Wire Transfers

To credit an account at one of our branches        To credit an account at another institution

$25 + VAT

$30 + VAT

Return wire payments; incoming and outgoing

$25 + Correspondent Bank charges + VAT

Tracers on Wire Transfers

$25 + Correspondent Bank Charges (USD 200) + VAT


Early Account Closure:


Within 30 days
Within 90 days
Within 180 days
Administration / Publishing Fee






$30.00 + VAT

$30.00 + VAT

                           $30.00 + VAT                           

$25.00 + VAT






Special Notice Fee / initial Form

$10.00 + VAT

Dormant Accounts

$10.00 + VAT per annum

Research and Production of Records / Vouchers 

Same Month & Up to 3 months

$50.00 + VAT

Over 3 months to 1 Year Back

$60.00 + VAT 


2 Years Back

$75.00 + VAT

3 Years Back

$100.00 + VAT

4 Years Back

$200 + VAT

Cash handling fee - Large cash deposits / withdrawals (In-Branch)

0.2% + VAT on amounts of $5,000 or more per day

Coins supplied

1.25% + VAT

Cheque Cashing Fee (Non-Account Holder)


$3 + VAT

Cashing / Negotiating Foreign Instruments

Minimum $20.20 + 1% + VAT

Exchange of Foreign Cash (Fees stated are related to foreign instruments only)

$5 plus 15% VAT = 5.75

Online or Via App

Free

Research of Bill Payment

$10 per item + VAT

Bill Payment and Payment Fees for third parties via the App (Merchants)

$1 per transaction for vendor + VAT

Business Services Fees

Business Services Fees

E-Pay - Operational Fee

$15.00 + VAT +  $1.00 + VAT per employee paid.

Manual Payroll - Paper List                                Operational Fee



$30.00 + VAT + $3.00 + VAT per employee paid.

Manual Payroll - Cash Envelope          Operational Fee

0.1% + VAT subject to min of $30.00 + VAT

Late Transmission of Payroll File by Email

$100.00 + VAT

Late Transmission of Payroll File by Messenger

$100.00 + VAT

Rates Charged

2 % - 4%

Rental Of Machines

$58.70 + VAT = $67.50

Card Fees

Card Fees


CLASSIC

GOLD

Annual Fee

$0

$0

Replacement Card

$35

$50

Emergency Card

$35

$50

Additional Card

$35

$50

Monthly Maintenance Fee

N/A

N/A

Transaction Fee (ACB ATMs)

$0

$0

Transactions Fee (Other Banks ATMs)

2% Minimum $10

2% Minimum $10

Transaction Fee (POS Terminals)

$0

$0

Cash Advances (Other Banks)

2% Minimum $10

2% Minimum $10

ATM Denial Fee (Other Banks)

$1.50

$1.50

ATM Balance Enquiry

$1.50

$1.50

Currency Conversion Fee

1%

1%

PayPal Credits

$15

$15

ATM withdrawals

+ $1 for all offsite ATMs

+ $1 for all offsite ATMs

CREDIT CARDS

VISA CLASSIC (XCD)

VISA GOLD & MASTERCARD (XCD)

Membership Annual Fee (Primary)

$100

$150

Membership Annual (Additional)

$50

$75

Replacement Card (Primary)

$35

$35

Replacement Card (Additional)

$35

$35

Emergency Card Fee

$50

$50

Cash Advance Fee

2% Minimum $10

2% Minimun $10

Over Limit Fee

$50

$50

Immediate Credit

$15

$15

Late Payment Fee

$45

$55

Minimum Payment

5% Minimum $20

5% Minimum $20

Statement Reprint (Only One)

$15

$15

Statement History (More Than One)

$25

$25

Change of Currency of Account

$25

$25

Annual Interest Rates

16%

annually 

16%

annually 

Insurance (optional)

$0.41 per thousand ($) of
Balance per month

$0.41 per thousand ($) of
Balance per month


PLATINUM CREDIT CARDS

PLATINUM

PLATINUM BUSINESS

Membership Annual Fee (Primary)

$200

$200

Membership Annual (Additional)

$80

$165

Replacement Card (Primary)

$35

$35

Replacement Card (Additional)

$35

$35

Emergency Card Fee (Primary & Additional)

$50

$50

Cash Advance Fee

2% Minimum $10 + VAT

2% Minimum $10 + VAT

Over Limit Fee

$75

$75

Immediate Credit

$15

$15

Late Payment Fee

$100

$75

Minimum Payment

5% Minimum $20

5% Minimum $20

Statement Reprint (Only One)

$15

$15

Statement History (Only One)

$25

$25

Annual Interest Rates

16% Annually 

16% Annually 

Insurance (optional)

$0.41 per thousand ($) of Balance per month

$0.41 per thousand ($) of Balance per month