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Retail Banking Fee Guide

Notice

Notice of Fee Changes

Effective May 1, 2025, there will be changes to credit cards, lending services and some sundry fees.

View fee changes here

Retail Fees

Effective November 1, 2023

All fees are in JMD unless otherwise stated

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT)& Rates
Withdrawal - Transactional Accounts	Per Transaction	US$0.35
Withdrawal - Savings Accounts	Per Transaction	US$0.35
Deposits*	Per Item Fee	FREE
Enquiry	Per Item Fee	US$0.49
Declined Transaction	Per Item Fee	US$0.1 5

*Deposit Content Fee of 2.30% for every US$500 deposited per day.

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT)& Rates
Transactional Accounts	Per transaction	$13.25
Savings Accounts	Per transaction	$31.80
Declined local transaction ( Proprietary & Multilink )	Proprietary Machines	$0.00
Cardholder fee per International transaction (transactions going through Visa network)	% of transaction amount	2.00%
Declined International POS transaction	Per Item Fee	US$0.59
Replacement ATM Card	Per Card Fee (Fee applies when cardholder requests a replacement debit card for a lost or stolen card. No fee charged for compromised, defective or debit card retained by ABM.)	$873.61

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT) & Rates
In-Branch transfer between accounts	Flat charge per request	JMD 1,536.15 CAD&USD 4.19/EUR3.66/GBP2.93
(Transactional & Savings)	Flat charge per request	JMD 1,536.15 CAD&USD 4.19/EUR3.66/GBP2.93
Manager’s Cheque less than $1 Mil.	Flat Charge	BNS Customers $402.85
Manager’s Cheque less than $1 Mil.	Flat Charge	Non BNS Customers $1,449.20
Manager’s Cheque $1 Mil and greater - BNS Customer	Flat Charge $402.85, plus special charge $5,750.00	$6,152.85
Manager’s Cheque $1 Mil and greater - Non-BNS Customer	Flat Charge $1,449.20, plus special charge $5,750.00	$7,119.20
Replacement Manager’s Cheque	Flat Charge	$1,468.21
Foreign Draft	Flat Charge	$1,053.63
Cash for draft	Flat Charge	1.00% of the amount, plus flat charge
Duplicate Foreign Drafts	Flat Charge	$1,875.54
Standing Orders – Processed In Branch	Set-up fee	$500.00
Standing Orders – Processed In Branch	Flat charge for each order negotiated on due date	JMD 408.10 USD/CAD 6.15 GBP/EUR 5.30
Standing Orders – Processed In Branch	Unprocessed for Current Accounts/Savings Accounts	$402.85
Standing Orders – Processed On-Line	Charge per item	FREE

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT)& Rates
Outgoing Wire Transfers (Swift/Telex)	Initiated In Branch (Telex Tolls & Com)	$3,920.78
Incoming Wire Transfers (SWIFT/TELEX)	Flat charge for proceeds to JMD accounts	JMD 4,000
Incoming Wire Transfers (SWIFT/TELEX)	Flat charge for proceeds to Foreign Currency accounts	USD 40.00
Transfers via RTGS	Per transfer	Outgoing $1,536.15
Transfers via RTGS	Per transfer	Incoming $472.02

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT)& Rates
Holding Statements	Personal Accounts	$1,412.52
- Local Currency Cheque, including insurance payments Cheques dishonoured and charged back to customer’s accounts	Flat charge per local cheque	$1,725.00
- Foreign Currency Cheques Cheques dishonoured and charged back to customer’s accounts	Charge per foreign cheque	USD 57.50 / CAD 57.50 / EUR 57.50 plus foreign bank charge
Cash Deposits to Foreign Currency Accounts	Cash lodgements in excess of $500.00	2.30% of amount deposited.
	All Cash lodgements
	NB. Charged to total amount lodged
Cheque Leaves	Order Personal Accounts - per set of 100 leaves	$2,817.50

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT) & Rates
Internal Processing Fee	% of loan amount inclusive of GCT	3.71%
Internal Processing Fee	Minimum Fee	$14,125.75
One time Pre-Approved/Pre-Qualified Processing Fee - in lieu of Application Fee		>=US$5,000: 1.5% of the loan amount (includes GCT)
		<US$5,000: 2.5% of the loan amount (includes GCT)
Late Payment Fees	% of unpaid amount	6.471%
Late Payment Fees	Minimum payment	$1,828.50

Description of Charge	Details of Cost	Final Fees (Inclusive of GCT)& Rates
CreditInfo Jamaica Limited	Credit Report (Retail & Business)	$1,380.00
CreditInfo Jamaica Limited	$1,200.00 + $180.00 (GCT)	$1,380.00
CRIF NM Assure Limited	Credit Report (Retail & Business)	$1,319.63
CRIF NM Assure Limited	$1,147.50 + $172.13 (GCT)	$1,319.63
Cost for both Credit Bureau Reports	$2,347.50 + $352.13 (GCT)	$2,699.63