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Retail Banking Fee Guide
Retail Fees
Effective August 1, 2022
All fees are in JMD unless otherwise stated
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT)& Rates |
| Withdrawal - Transactional Accounts | Approved | $25.00 |
| Declined | $0.00 | |
| Withdrawal - Savings Accounts | Approved | $50.00 |
| Declined | $0.00 | |
| Deposits | - | FREE |
| Enquiry | - | FREE |
| Mini-Statement | Flat Charge - Proprietary | FREE |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT)& Rates |
| Withdrawal - Transactional Accounts | Approved | $60.00 |
| Declined | $0.00 | |
| Withdrawal - Savings Accounts | Approved | $60.00 |
| Declined | $0.00 |
|
| Account Balance enquiry | Per enquiry | $34.00 |
| 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 |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT)& Rates |
| Withdrawal | Per Item Fee | US$2.97 |
| Enquiry | Per Item Fee | US$0.49 |
| Declined Transactions | Per Item Fee | US$0.39 |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT)& Rates |
| Fee per transaction | Transactional Accounts | FREE |
| Enquiry | Per Item Fee | FREE |
| 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 (No charge for defective cards or retained by ATM) |
$873.61 |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT) & Rates |
| Internet Banking & Mobile Banking | Transfers between accounts, 3rd Party transfers. Account enquiry, Bill Payments, Mobile Top Up | FREE |
| 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) | ||
| Manager’s Cheque less than $1 Mil. | Flat Charge | BNS Customers $402.85 |
| 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 |
| 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 |
| Flat charge for proceeds to Foreign Currency accounts | USD 40.00 | |
| Transfers via RTGS | Per transfer | Outgoing $1,536.15 |
| Incoming $472.02 |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT)& Rates |
| Cheque Encashment Fee | Per cheque fee | JMD 427.02 |
| (Fee waived for PATH, Accountant General Pension | USD/CAD 1.30 | |
| NIS and Poor Relief and petty cash cheques) | GBP/EUR 1.05 | |
| 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 | $1,569.52 |
| - Foreign Currency Cheques Cheques dishonoured and charged back to customer’s accounts |
Charge per foreign cheque | USD 41.85 / CAD 41.85 / EUR 36.63 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 | $2,051.90 |
| New accounts - first supply of 50 cheque leaves | FREE |
| Description of Charge |
Details of Cost |
Final Fees (Inclusive of GCT) & Rates |
| Internal Processing Fee | % of loan amount inclusive of GCT | 3.71% |
| Minimum Fee | $14,125.75 | |
| One time Pre-Approved/Pre-Qualified Processing Fee - in lieu of Application Fee | >=USD 5,000: 1.5% of the loan amount up to a maximum of USD 200.00 (includes GCT) |
|
| <USD 5,000: 2.5% of the loan amount up to a maximum of USD 100.00 (includes GCT) |
||
| Late Payment Fees | % of unpaid amount | 6.471% |
| 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 |
| $1,200.00 + $180.00 (GCT) | ||
| CRIF NM Assure Limited | Credit Report (Retail & Business) | $1,319.63 |
| $1,147.50 + $172.13 (GCT) | ||
| Cost for both Credit Bureau Reports |
$2,347.50 + $352.13 (GCT) |
$2,699.63 |