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Banking Fees and Charges

(effective April 30th 2021)

 

Charges on Accounts

 

Category

Frequency

Fee

Maintenance Fee – Booster Savings TT$ 

Maintenance Fee – Booster Savings US$

Monthly

Monthly

$10

US$1.50

Maintenance Fee – EzAccess Pro Chequing Account

Monthly

$20

Maintenance Fee – EzAccess Private Plus

Monthly

Nil

Maintenance Fee – Smart Business SME

Monthly

$25

Maintenance Fee – Smart Business CORP

Monthly

$75

Dormant Account Fee

Annually

$50

 

Cheques & Drafts

 

Category

Frequency

Fee

Cheque Book Acquisition Fee (Retail) 4 books (100 leaves) per order

Per Order

$100.00

Cheque Book Acquisition Fee (Business) ( 600 leaves per order)

Per Order

$360.00

Cheque Debit Fee

Per cheque debit

$1.25

Cheque returned due to insufficient funds

Per Unit

$30.00

Cheque Stop Payment fee

Per Unit

$30.00

Stop payment on foreign currency drafts

Per Unit

USD$40.00

Charge back item On Us

Per Unit

$30.00

Charge back item Foreign Exchange

Per Unit

US$10.00

 

Cheques & Drafts (continued)

 

Category

Frequency

Fee

Overdraft Fee (Initial)

% of value

1% of committed amount (minimum $150.00)

Overdraft Renewal Fee

Annually

1% of committed amount (minimum $150.00)

Transaction Fee per item over the authorized/unauthorized limit (Any transaction which puts the account in excess)

Per Unit

$25.00

Issue Duplicate Foreign Draft

Per Unit 

 Nil

USD Cheque Deposit must be drawn on Citibank

Per Unit

TTD200.00

Cashing of Manager's Cheque

 

N/A

 

Electronic Services

 

Category

Frequency

Fee

ATM enquiry

JMMB ATM

No Charge

ATM withdrawal (TT$)

JMMB ATM

No Charge

ATM withdrawal declined

JMMB ATM

No Charge

ATM enquiry

Non JMMB ATM

Not Possible 

ATM withdrawal (TT$)

Non JMMB ATM

TTD4.00

ATM withdrawal declined (NSF)

Non JMMB ATM

TTD4.00

Withdrawal at other Banks' ATMs Internationally

 

$35.00 (Not presently allowed)

International POS

Per Transaction

TT$4.00

E-Commerce Transactions

Per Transaction

TT$4.00

ATM Limit

Daily

$3,000

POS Limit – Visa Gold

Daily

$20,000

POS Limit – Visa Classic

Daily

$10,000

 

 

Electronic Services (continued)

 

Category

Frequency

Fee

Visa Card - 1st issue fee

Initial

Classic $150.00
Gold $200.00

Visa Card - Renewal Fee

Annual

Classic $150.00
Gold $200.00

Visa Card - Replacement Fee

Per Unit

Classic $150.00
Gold $200.00

Wire Transfer Fee Outgoing

Per Transaction

 $65.00

Wire Transfer Fee Incoming – TT$ A/c

Per Transaction

$20.00

Wire Transfer Fee Incoming – Foreign Currency A/c

Per Transaction

US$10.00

RTGS Outgoing Transaction Fee

Per Transaction

$65.00 

RTGS Incoming Transaction Fee

Per Transaction

Nil

Returned /Recalled RTGS

Per Transaction

 

Nil

 

Note: Internet banking-related transactions attract the same charges as those listed above.

Outgoing transfers are also subject to the Intermediary Bank’s charge

Transaction Fees

 

Category

Frequency

Fee

Manager’s Cheque $500K & over

Per Cheque

$130.00

ACH Fee Per Transaction

Per Transaction

$2.00

ACH Sundry Query Fee

-

Free

Over Counter Inter-Bank Transfer

Per Transaction

$2.50

ACH Direct Fee (processed by originator)

Per Transaction

$2.00

ACH Indirect Fee (processed by Bank Obo Originator)

Per Transaction

$2.00

ACH Credit Return Fee

Per Transaction

$20.00

ACH Debit Return Fee

Per Transaction

$20.00

Credit Bureau - Personal

Per transaction

$150.00

Credit Bureau - Business

 

Company Registry - $50

Each Director - $150

 

Transaction Fees

 

Category

Frequency

Fee

Acceptance/ Commitment Fee

Per transaction

1.0% of loan value

(min. $1,000.00)

Late Payment Fee

Monthly

2% of delinquent amount

 (Min. $50.00)

Settlement Letter

Per letter

TT$50.00

Early Settlement Fee (for full outstanding balance)

-

In lieu of 3 months’ notice 3 months’ interest

Cost of cash deposit

 

0.25% for deposit >=$75K

Hold mail

Annual

Annual - $675

Manager's Cheques - Bank Customer (online)

Per Unit

$25.00

Manager's Cheques - Bank Customer (in Branch)

Per Unit

$30.00

Manager’s Cheque Re-issued

Per Unit

$30.00

Moneyline Corporate Batch Upload Fees

Category

Fee

Set up fees

$500.00

PLAN A

 

100 items

$100.00

PLAN B

 

200 items

$110.00

PLAN C

 

500 items

$150.00

PLAN D

 

1000 items

$200.00

PLAN E

 

1500 items

$210.00

PLAN F

 

Over 1500 items

 Negotiable

 

Cheque Encashment

Category

Frequency

Fee

Stop Payment on Manager’s Drafts

Per Unit

$30.00

Stop Payment on Personal Cheque

Per Unit

$30.00

Manager's Cheques - Non-Bank Customer (Local Draft)

Per Unit

Not available

 

Cheque Cashing – Non JMMB Bank Cheque

 

Per Unit

Not available

 

Manager's Cheques - (Foreign Draft)

Per Unit

$30.00

Reissue Manager's Cheques - (Foreign Draft)

Per Unit

$30.00

Manager's Cheques - Non-Bank Customer (Foreign Draft)

Per Unit

 Not available

Letters/Misc. Requests

Category

Frequency

Fee

Bank Reference Letter

-

$30.00

Embassy Letter/Certification of Account Balance/Statement Balance/Special Letters

Per Unit

$30.00

Auditor's Report

Per Year

$100.00

Attorney's Request for Estate Information

Per Request

$150.00

Account Research /Voucher Search

 

$25.00

Voucher Search/copy request over 1 year

 

$100.00

Voucher Search/copy request current year

 

$25.00

cheque/copy request current year

 

 

$25.00 (Falls under Account Research / Voucher)

cheque Search/copy request over 1 year

 

$100.00 (Falls under Account Research / Voucher)

Certificate of Balance

 

$30.00 (classified under embassy letter etc.)

Payments against uncleared effects (TT)   15% pa for 4 days on the amount being requested min TTD26
Certificate of Deposit – Early Encashment  

2.0%

(Current – forfeit of interest as rates below 2.0%)

 

Letters/Misc. Requests (Continued)

 

Category

Frequency

Fee

Standing Order

Per Transaction

$10.00

Standing Order - cheque

 

$10.00 plus $30 cost of cheque = $40.00

In Branch Printed Statements

Per statement cycle (monthly/ quarterly)

$30.00

Safety Deposit Box

Annually

Small - $74.75

Medium – $97.75

Large – $155.25

South Park Small – $225.00

South Park  Medium – $275.00

South Park  Large - $375

Replacement of Lost Key

 

$50.00

Night Bag Fee

Per Unit

$3.00

Processing of Night Depositry

Per deposit

0.25% of total amount processed  per client subject to a minimum of $100.00

New Night Safe Key

 

$70.00

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