| Personal | Frequency | Value |
|---|---|---|
|
Minimum balance threshold |
Monthly |
No Minimum |
|
Minimum balance violation fee |
Quarterly |
NIL |
|
Maintenance fee |
Monthly |
Free |
|
In-branch deposit transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch deposit transactions per period |
Monthly |
NIL |
|
In-branch withdrawal transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch withdrawal transactions per period |
Monthly |
NIL |
|
Dormant account fee |
Not Applicable |
Free |
| Personal | Frequency | Value |
|---|---|---|
|
Minimum balance threshold |
Quarterly |
NIL |
|
Minimum balance violation fee |
Not Applicable |
NIL |
|
Maintenance fee |
Monthly |
Free |
|
In-branch deposit transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch deposit transactions per period |
Other |
NIL |
|
In-branch withdrawal transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch withdrawal transactions per period |
Monthly |
NIL |
|
Cheque book fee |
Annually |
(SB-50,CA-100)leaves free in one FY. $1 per leaf thereafter |
|
Cheque return fee |
Per transaction |
$25 |
|
Cheque stop payment fee |
Per unit |
$25 |
|
Dormant account fee |
Not Applicable |
Free |
|
Overdraft fee (initial) |
Per transaction |
1.5% of principal value, minimum of $1,000 |
|
Overdraft renewal fee |
Annually |
1.5% of principal value, minimum of $1,000 |
|
Overdraft excess limit fee |
Monthly |
Fixed annual rate of 15%. Accrued daily on overdrawn balance. Charged monthly (end of month). |
| Personal | Frequency | Value |
|---|---|---|
|
Minimum balance threshold |
Quarterly |
Quarterly Average Balance (QAB)-$1000 |
|
Minimum balance violation fee |
Quarterly |
$25.00 |
|
Maintenance fee |
Not Applicable |
Free |
|
In-branch deposit transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch deposit transactions per period |
Quarterly |
NIL |
|
In-branch withdrawal transaction (teller) fee |
Per transaction |
NIL |
|
Number of free in-branch withdrawal transactions per period |
Per transaction |
NIL |
|
Cheque book fee |
Annually |
100 leaves free in one FY. $ 1 per leaf thereafter |
|
Cheque return fee |
Per transaction |
$25 |
|
Cheque stop payment fee |
Per unit |
$25 |
|
Dormant account fee |
Other |
Free |
|
Overdraft fee (initial) |
Annually |
1.5% of principal value, minimum of $1,000 |
|
Overdraft renewal fee |
Annually |
1.5% of principal value, minimum of $1,000 |
|
Overdraft excess limit fee |
Monthly |
Fixed annual rate of 15%. Accrued daily on overdrawn balance. Charged monthly (end of month) |
| Instalment Loans | Frequency | Value |
|---|---|---|
|
Application fee |
Per transaction |
N/A |
|
Credit report fee |
Per unit |
On actual cost basis ( No fee levied by bank) |
|
Acceptance/Commitment fee |
Other |
1.5% on all loans, minimum $1,000 |
|
Late payment fee |
Monthly |
2% on overdue amount |
|
Refinancing fee |
Per transaction |
same as acceptance fee on additional funds (Application Fee) |
|
Early settlement fee (for full outstanding balance) |
Per transaction |
Free |
|
Prepayment fee (for partial repayment of principal) |
Per transaction |
Free |
| Residential Mortgage | Frequency | Value |
|---|---|---|
|
Application fee |
Per transaction |
N/A |
|
Credit report fee |
Per unit |
On actual cost basis ( No fee levied by bank) |
|
Acceptance/Commitment fee |
Per transaction |
1.5% on all loans, minimum $1,000 |
|
Late payment fee |
Monthly |
2% on overdue amount |
|
Refinancing fee |
Per transaction |
same as acceptance fee on additional funds (Application Fee) |
|
Early settlement fee (for full outstanding balance) |
% of value |
Fee waived with 3 months notice |
|
Prepayment fee (for partial repayment of principal) |
% of value |
2% Fee in excess of 2 pre-payments annually |
| Commercial Mortgage | Frequency | Value |
|---|---|---|
|
Application fee |
Per transaction |
N/A |
|
Credit report fee |
Per unit |
On actual cost basis ( No fee levied by bank) |
|
Acceptance/Commitment fee |
Per transaction |
1.5% on all loans, minimum $1,000 |
|
Late payment fee |
Monthly |
2% on overdue amount |
|
Refinancing fee |
Per transaction |
same as acceptance fee on additional funds |
|
Early settlement fee (for full outstanding balance) |
% of value |
Fee waived with 3 months notice |
|
Prepayment fee (for partial repayment of principal) |
% of value |
2% Fee in excess of 2 pre-payments annually |
| On-us ATM transaction fees | Frequency | Value |
|---|---|---|
|
ATM enquiry |
Other |
Free |
|
ATM withdrawal (TT$) |
Other |
Free |
|
ATM withdrawal declined |
Other |
Free |
| Local Off-us ATM transaction fees LINX | Frequency | Value |
|---|---|---|
|
ATM enquiry |
Per transaction |
Free |
|
ATM withdrawal (TT$) |
Per transaction |
Free |
|
ATM withdrawal declined |
Per transaction |
Free |
| Card Issuance fees | Frequency | Value |
|---|---|---|
|
1st issue fee |
Per unit |
Free |
|
Replacement fee |
Per unit |
$25.00 |
| Point of sale fees | Frequency | Value |
|---|---|---|
|
Usage fee for approved local transaction |
Per transaction |
Free |
|
Usage fee for declined local transaction |
Per transaction |
Free |
| Wire Transfers | Frequency | Value |
|---|---|---|
|
Wire transfer fee outgoing |
Per transaction |
<USD15000 = USD10 USD15001-USD50000 = USD15 >USD50001 = USD25 |
|
Wire transfer fee incoming |
Other |
Free |
| RTGS Transactions | Frequency | Value |
|---|---|---|
|
RTGS outgoing transaction fee |
Per transaction |
<USD15000 = USD10 USD15001-USD50000 = USD15 >USD50001 = USD25 |
|
RTGS incoming transaction fee |
Other |
Free |
| ACH Transactions - Personal | Frequency | Value |
|---|---|---|
|
ACH fee per transaction |
Other |
Free |
|
ACH sundry query fee |
Other |
Free |
| ACH Transactions - Business | Frequency | Value |
|---|---|---|
|
Maintenance fee |
Other |
Free |
|
ACH fee per transaction |
Other |
Free |
|
ACH direct fee (processed by originator) |
Not Applicable |
- |
|
ACH indirect fee (processed by bank obo originator) |
Not Applicable |
- |
|
ACH credit return fee |
Not Applicable |
- |
|
ACH debit return fee |
Not Applicable |
- |
|
ACH sundry query fee |
Other |
Free |
| Misc. services | Frequency | Value |
|---|---|---|
|
Bank reference letter |
Per unit |
$25.00 |
|
Embassy statement |
Per unit |
$25.00 |
|
Manager's cheques - bank customer (local draft) |
Per unit |
$25.00 |
