Features/Benefits
it allows withdrawals through the use of customised or special cheque books and attracts special interest rate of 1.5% above savings rate
Cheques are not valid for clearing
The minimum opening balance is N250,000 with free ATM card. Allows for family TOP-Up ATM cards
To be entitled to the accruing benefits, including issuance of cheque books, the balance must not be less than N1,000,000.00
Cash withdrawals must not be more than four in a month across the counter
As is applicable to current account, standing order requests are allowed on this account
Bonus interest, as advised Treasury, on account based on target savings i.e. for balances of N50,000.00 and above
Lodgement of cheques and dividend warrants would be allowed provided two references are obtained
Can be operated on target savings basis with bonus interest on graduated savings plan for fixed tenor
Account can support draft and money transfer with access to our electronic banking services
Allows for corporate savings account
Account holder pays a lump sum of about N10,000.00 for operating the account once a year
Operates on-line in all our branches nation wide

Features/Benefits
Opening amount is N500,000.00
Must maintain a minimum balance of N10million to be able to enjoy the benefits
Cash withdrawal limited to eight times a month across the counter, but unlimited for ATM and funds transfer
Interest is paid on account credit balance above the following ranges:
N50m - N75m
N75 - N100m
N100m and above 5%,
Applicable interest is fixed by the bank on monthly basis
Zero COT
Account holder can benefit from our credit card programme with limit of up to N5m
Free personal accident insurance cover of up to N1m
Allows for corporate TOP-Up ATM

Features/Benefits
Account holder must be a valid shareholder of quoted companies in Nigeria Stock Exchange
A trustee has to be appointed as subject matter of account. Trustees have to be appointed as trustees for the shares
Credit limit discount rate of up to N50% theprice of quoted shares up to 20% maximum for drawings
Limits are marked for every account holder based on the size of portfolio managed under the trust
All shares must be lodged in CSCS with trust documents and other formalities executed and lodged accordingly
Credit access can be utilised to buy more shares or to commence buying of shares
Holders shall operate regular salary, personal and business accounts with the bank
Warehouse certificates to search and to verify shares/charges at a fee on product website
Provide search access for shares kept in Trust for a fee
There is the option to operate in US Dollars, in which case the bank account will be a domiciliary account
There is an option to issue warehouse receipt for the shares held in Trust
There shall be provision for a target one-week maximum holding period for approved shares, which could attract improved risk discount of up to 70% for those in satisfactory relationship with us for a minimum unbroken period of one year
For stock brokers and portfolio investors, prime property collateral, with regular Title in Account Holder's name and located in Ikoyi, Victoria Island and Abuja can act as collateral for the increased discount up to 70% the face value of shares
Pricing of facilities come as advised by the bank
Cost of ATM card issued to each account holder

Aunique savings and current account based product designed specifically for pensioners and those within ten years before their pension life

Features/Benefits
Opening balance is N2,000.00
Requires minimal documentation to operate account
Concessionary COT
Pension salary is domiciled with the bank
Free personal accident of N50,000 for account customers with minimum balance of 100,000
Loans for agriculture, share purchase, mortgage and small scale
Personal loans of up to 75% monthly and 300% over six months
Industry finance of up to 6000%