i. Charges on Cedi Transactions

Transcription

1 A. SERVICE CHARGES i. Charges on Cedi Transactions Returned Cheques Personal Account Debit Turnover in a month Variable Fee/Charge Returned by us Returned By Us (Insufficient Funds) 0-1, Returned Cheques Local 2,000 -, (Any other reason),500 4, ,500 6, Cheques Returned To Us 7,000 9, Insufficient Nil A 10,000+ Guide to Any Bank other- Business /NGO /Club & Societies / Corporate Debit Turnover Services in a month Variable Fee/Charge & Charges Stopped Cheques 0 -, Cheques Countermand By GHS 7 4,000-9, Customer 10,000 24, Lost Cheque Charge GHS 10 Savings Account No. of Withdrawals in a month 25,000 49, ,000 99, Cheques Requisition Charges 100, Variable Fee/ Charge Cheque Book Normal Fast Track Personal (50) Leaflets GHS 9.00 GHS % of face value of cheque GHS GHp 0.50 borne by the bank Counter Cheques/ Withdrawal Slip Current GHS 5 Savings GHS UMB Withdrawal Slip Savings GHS Bank Draft( Payment Orders) Customers 0.25% of face value: Minimum GHS 5 Maximum GHS 2.5 Business (50) Leaflets GHS GHS Business (100) Leaflets GHS GHS Personal Savings (25) Leaflets GHS 6.00* Statements Request before due date Duplicate Enquiries 1year and above Interim (Screen printed Between months and 1yr.) GHS.00 per sheet GHS 1.50 per sheet (Using A4 sheets) 1

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3 A. SERVICE CHARGES Contents i. Charges on Cedi Transactions Returned Cheques Returned by us Personal A. Account SERVICE CHARGES B. OPERATING BALANCES Returned By Us 10% of face value Debit Turnover in a month Variable Fee/Charge i. Charges on Cedi Transactions (Insufficient UMB Personal Funds) (Current) Account of cheque 6 Personal Account 0-1, UMB Saver (Savings Account) 6 Returned Cheques Local GHS Business 2,000 /NGO /Club -,499 & Societies / Corporate 7.00 UMB Plus Account & MIA 6 (Any other reason) Savings Account UMB Fixed Deposit Account (All Retail FDs) 6,500 4, Cheques Requisition Charges UMB Call Account 6 4,500 6, Cheques Returned To Us Returned Cheques UMB Family Saver (Parent Account) 6 Returned 7,000 by us 9, Insufficient Nil Cheques Returned 10,000+ To Us Any C. other- ELECTRONIC SERVICES GHp 0.50 borne Stopped Cheques by the bank Business /NGO /Club & Societies / Corporate Counter Cheques (Current Account) ATM SERVICES 7 Debit Turnover UMB Withdrawal in a month Slip Variable Fee/Charge INTERNET SERVICES 7 Stopped Cheques Bank Draft( Payment 0 -,999 Orders) SMS ALERT 7 Cheques Countermand By GHS 7 Statements E-ZWICH 7 4,000-9, Customer Certificate of Balance 4 SINGLE TRANSFER (Direct Credit) 7 10,000 24, Lost Cheque Charge GHS 10 Auditors Report 4 BULK TRANSFER/ MULTY BENEFICIARIES (Direct Credit) 7 Standing 25,000 Orders 49, VISA DEBIT CARD SERVICE FEES 8 Salary 50,000 Transfer (Per 99,999 Transaction) Counter Cheques/ Withdrawal Slip i. Transaction Fees for ATM Cash Transactions 8 Salary Processing 4 100, Current ii. Transaction Fees for POS Cash Transactions GHS 5 8 Account Closure Fee 4 Savings Account Savings iii. Transaction Fees for RETAIL Transactions GHS 9 iv. Charges for VISA ATM Acquiring Transactions 9 No. of Withdrawals ii. Charges in a on Forex Variable Transactions Fee/ Charge 4 monthswift Transfers 4 UMB Withdrawal Slip Claiming of charges 60+ from remitting Banks D. TRADE SERVICES Savings GHS Request for Foreign drafts & BOG Transfers SERVICE 10 Outward Telegraphic Transfers 5 Bank Draft( Payment Orders) NEW CHARGES 10 Foreign Currency Account 5 Customers GENERAL 10 Cheques Foreign Requisition Exchange Account Charges % TRADE of SERVICES face Minimum GHS 5 10 Cheque Lodgments 5 value: Cheque Book Normal Fast Track Imports LCs 10 Statement Request 6 Collections Maximum GHS Personal Cheque (50) Leaflets Book Request GHS 9.00 GHS Exports LCs 11 Stop Payment 6 Business (50) Leaflets GHS GHS Statements Business We (100) aim Leaflets to provide transparent GHS and easy GHS to understand charges for all our products and services. This is to be read in conjunction with terms Request and conditions, before due product date and Personal service-specific Savings (25) information. GHS 6.00* Duplicate Leaflets Enquiries 1year and above GHS.00 per sheet Updates to this guide will be advised annually via our website ( and/or in writing. Interim (Screen printed GHS 1.50 per sheet Between months and 1yr.) (Using A4 sheets)

4 2 A. SERVICE CHARGES i. Charges Contents Cedi Transactions Personal A. Account SERVICE CHARGES GHS 12 flat per month i. Charges on Cedi Transactions Personal Account Business Business / NGO /NGO / /Club & Societies / Corporate GHS 60 Savings flat per Account month Cheques Requisition Charges Corporate Returned Account Cheques Returned by us Monthly Debit Variable Fee/Charge Cheques Returned To Us Turnover Stopped Cheques Counter Cheques (Current 0 Account) UMB Withdrawal 1 -, Slip Bank Draft( Payment Orders) 4,000-9, Statements 10,000 24, Certificate of Balance 4 25,000 Auditors Report 49, ,000 Standing Orders 99, Salary Transfer (Per Transaction) 4 100, Salary Processing 4 Account Closure Fee 4 Savings Account No. of ii. Withdrawals Charges on in aforex Variable Transactions Fee/Charge4 monthswift Transfers 4 Claiming of charges from remitting Banks Request for Foreign drafts & BOG Transfers Outward Telegraphic Transfers Foreign Currency Account 5 Foreign Exchange Account 5 Cheques Cheque Requisition Lodgments Charges 5 Statement Request 6 Cheque Book Normal Fast Track Cheque Book Request 6 Personal Stop (50) Payment Leaflets GHS GHS Returned Cheques B. OPERATING BALANCES Returned by us UMB Returned Personal By (Current) Us Account 11.75% of face 6 value UMB (Insufficient Saver (Savings Funds) Account) of cheque 6 UMB Plus Account & MIA 6 Returned Cheques Local GHS UMB Fixed Deposit Account (All Retail FDs) 6 (Any other reason) UMB Call Account 6 UMB Cheques Family Saver Returned (Parent To Account) Us 6 Insufficient Nill C. ELECTRONIC SERVICES Any other- GHp 0.59 borne ATM SERVICES by the bank 7 INTERNET SERVICES 7 Stopped Cheques SMS ALERT 7 E-ZWICH Cheques Countermand GHS SINGLE By Customer TRANSFER (Direct Credit) 7 BULK Lost TRANSFER/ Cheque Charge MULTY BENEFICIARIES GHS (Direct Credit) 7 VISA Counter DEBIT CARD Cheques SERVICE / Withdrawal FEES Slip 8 i. Transaction Fees for ATM Cash Transactions 8 Current GHS 5.88 ii. Transaction Fees for POS Cash Transactions 8 iii. Savings Transaction Fees for RETAIL Transactions GHS.5 9 iv. Charges for VISA ATM Acquiring Transactions 9 UMB Withdrawal Slip Savings GHS.5 D. TRADE SERVICES Bank SERVICE Draft (Payment Orders) 10 NEW CHARGES Customers 10 GENERAL 10 TRADE 0.25% SERVICES of face value: Minimum GHS Imports LCs Minimum GHS Collections 10 Exports LCs 11 Statements Business (50) Leaflets GHS GHS 2.50 We aim to provide transparent and easy to understand charges for all our products Business and (100) services. Leaflets This is to GHS be read 2.50 in conjunction GHS 47.00with terms Request and conditions, before due product date and GHS 1.18 per sheet service-specific information. Personal Savings (25) GHS 7.05* Duplicate GHS 1.18 per sheet Leaflets Enquiries 1year and above Updates to this guide will be advised annually via our website GHS.5 per sheet ( and/or in writing. Interim (Screen printed GHS 1.76 per sheet Between months and 1yr.) (Using A4 sheets)

5 A. SERVICE CHARGES i. Charges on Cedi Transactions Returned Cheques ii. Charges on Forex Withdrawals Returned by us Personal Account Certificate of Balance Returned By Us 10% of face value Debit Turnover in a month Variable Fee/Charge Request by Customer GHS 5.88 per sheet FCA (Insufficient Funds) CHARGE of cheque 0-1, % Returned of face Cheques value; Local Minimum GHS $17.6, 2,000 -, (Any other reason) 17.6, 17.6 Auditors Report,500 4, FEA Confirmation 4,500 to Auditors 6,999 GHS 2.50 per sheet Funded Cheques with Returned cheques/ To UsMinimum $17.6, and reference Letters 7,000 9, transfers Insufficient 17.6, Nil , % of face value; Any other- GHp 0.50 borne High Value Transfer GHS Funded with cash No charges by the bank Business /NGO /Club & Societies / Corporate Debit Turnover in a month Variable Fee/Charge Forex (FCA/FEA) No charges Stopped Cheques 0 -, converted to cedis Safe Custody - Account GHS Cheques Countermand By GHS 7 4,000-9, Customer Holders only SWIFT Transfers 10,000 24, Lost Cheque Charge GHS 10 Inward Telegraphic Minimum Standing Orders 25,000 49, Transfers (FEA Only) USD17.6, EUR 50,000 99, Counter Cheques/ Withdrawal Slip Penalty for Insufficient GHS 5.25 % of face value; 14.10, GBP11.75 Funds (Unpaid) 100, Transfers Current to beneficiaries Minimum GHS 5 $58.75, Savings Account Savings other banks 5.25, GHS 0.25% of face value; 47(Payment in Salary No. of Withdrawals Transfer (Per in a Transaction) Variable Fee/ Charge foreign currency) month Customers UMB Withdrawal Slip NB: This charge does not apply to FCA & GHS Non-Customers GHS 2.5 Accounts. Savings GHS Salary Processing Bank Draft( Payment Orders) Claiming of charges Customers from remitting Cheques Requisition Charges Banks External Customers GHS % of face Minimum GHS 5 value: Cheque Book (per Normal payment Fast Track 0.25% of face value; $58.75, 5.25, instruction) Minimum - Maximum 47 GHS 2.5 Personal (50) Leaflets GHS 9.00 GHS Maximum - $587.50, 52.50, Individual Business (50) Leaflets GHS GHS Statements Money Transfer No charges Remittances (Payment in Cedis Business (100) Leaflets GHS GHS Account Closure Request before due date - NIL) Personal Savings (25) GHS 6.00* Duplicate Leaflets Enquiries 1year and above GHS.00 per sheet Interim (Screen printed Between months and 1yr.) GHS 1.50 per sheet (Using A4 sheets) 5

6 Contents Request for Foreign drafts & BOG Transfers Offshore Draft ; 0.88% of face value (Min $29.8, Max $1,175.00),(Min Foreign Currency Account (FCA) , Max ),(Min 21.15, Max ) A. SERVICE CHARGES B. OPERATING BALANCES Foreign Exchange Account (FEA) % of face value (Min $29.8, Max $1,175.00),(Min i. Charges on Cedi Transactions 17.6, Max UMB ) Personal (Current),(Min 21.15, Account Max ) 6 Personal Account UMB Saver (Savings Account) 6 BOG Transfer 1.47% equivalent Business /NGO /Club & Societies / Corporate UMB Plus Account (Min GHS88.1, & MIA Max GHS,525.00) 6 Savings Account UMB Fixed Deposit Account (All Retail FDs) 6 Cheques Requisition Charges UMB Call Account 6 Outward Telegraphic Transfers (SWIFT/TELEX) Returned Cheques UMB Family Saver (Parent Account) 6 Foreign Currency Account (FCA) Returned by us Foreign Cheques Currency Returned Account To Us USD29.8, C. GBP17.6, ELECTRONIC EUR2.50 SERVICES 0.88% of face value; USD1,175, GBP716.75, EUR Stopped Cheques Minimum - Counter Cheques (Current Account) ATM SERVICES 7 Maximum - UMB Withdrawal Slip INTERNET SERVICES 7 (Plus cable/telex Chg of USD0, GBP20 and EUR25) Bank Draft( Payment Orders) SMS ALERT 7 Foreign Exchange Account (FEA) Statements E-ZWICH % Certificate of face of Balance value; USD58.75, 4 SINGLE GBP5.25, TRANSFER EUR47 (Direct Credit) 7 Minimum Auditors Report - (No 4 Upper BULK Limit) TRANSFER/ MULTY BENEFICIARIES Maximum - (Direct Credit) 7 Standing Orders 4 (Plus cable/telex VISA DEBIT Chg CARD of SERVICE USD5.25, FEES GBP2.50 and 8 Salary Transfer (Per Transaction) 4 EUR29.8) i. Transaction Fees for ATM Cash Transactions 8 Salary Processing 4 ii. Transaction Fees for POS Cash Transactions 8 Account Closure Fee 4 iii. Transaction Fees for RETAIL Transactions 9 Encashment of T Cheques/Drafts for No Charge Cedis - iv. Charges for VISA ATM Acquiring Transactions 9 ii. Charges on Forex Transactions 4 SWIFT Transfers 4 Cheque Lodgments Claiming of charges from remitting Banks 4 D. TRADE SERVICES Local Request Cheques for Foreign - drafts & BOG Transfers No 5 Charge SERVICE 10 Outward Telegraphic Transfers 5 Offshore Cheques NEW CHARGES 10 Foreign Currency Account 5 2% of face value; GENERAL 10 Minimum Foreign Exchange - Account $29.8, , TRADE SERVICES 21.15, 10 Maximum Cheque Lodgments - $1175, 5 705, (For Dollar, Pound and Euro) Imports LCs 10 Statement Request 6 Stop Cheque (For Collections Dollar, Pound and Euro) 10 Cheque Book Request 6 Exports LCs 11 Standing Stop Payment Order- Charges 6 to which the transactions relate Return Cheque Local- We aim to provide transparent and easy to understand 17.6 charges for all our products Foreign and services. - This is to be read in conjunction 29.8 with (For terms Dollar, and conditions, Pound and product Euro plus and all other charges) Statement service-specific Request information. Updates to this guide will be advised annually via our website ( and/or in writing. 2 6

7 A. SERVICE CHARGES i. Charges on Cedi Transactions Statement Request- $ 1.18 or 0.88 Returned or 1.18 Cheques (per sheet within one yr) $ 1.76 or 1.18 or 1.76(per sheet more than a yr) Returned by us Personal Cheque Account Book Request Returned By Us 10% of face value Debit Turnover in a month Variable Fee/Charge 25 leaves $.5 or 2.5 (Insufficient or.5funds) of cheque 50 leaves 0-1,999 $ or 4.70 or 7.05 Returned Cheques Local Auditor Certificate $5.88 or 4.70 or ,000 -, (Any other reason) GHS Stop Payment,500 4, Customer Request 4,500 6,999 $2.50 or or Cheques Returned To Us 7,000 9, Insufficient Nil 10, Any other- GHp 0.50 borne by the bank Business /NGO /Club & Societies / Corporate B. Debit OPERATING Turnover in a month Variable BALANCES Fee/Charge Stopped Cheques 0 -, Cheques Countermand By GHS 7 UMB Personal 4,000 (Current) - 9,999 Account UMB Customer Personal (Current) Account Opening Balance 10,000 24,999 GHS Opening Lost Cheque Balance Charge GHS 10 GHS 100 Operating Balance 25,000 49,999 GHS Nil Operating Balance GHS 50 UMB Saver 50,000 (Savings 99,999 Account) Standing Instruction (per junior account) Counter Cheques/ Withdrawal Slip GHS 5 Opening Balance 100,000+ GHS Current GHS 5 Savings Operating Account Balance GHS 20 UMB Savings GHS No. of Withdrawals in a Variable Fee/ Charge FEA FCA FEA FCA UMB Plus Account & MIA month UMB Withdrawal Slip Opening Balance GHS 200 Opening $200 $200 $200 $ Savings GHS Operating Balance GHS 200 Balance Bank Draft( Payment Orders) UMB Fixed Deposit Account 1-4 (All Retail Customers FDs) Operating $50 $50 $50 $50 Cheques Requisition Charges 0.25% of face Minimum GHS 5 Opening/operating balance GHS 500 Balance value: Cheque Book Normal Fast Track **Treasury tier rates will apply Maximum GHS Personal (50) Leaflets GHS 9.00 GHS UMB Plus Account & MIA Monthly $4.7 $ Business (50) Leaflets GHS GHS Statements Opening/Operating Balance GHS Service Charge Business (100) Leaflets **Treasury GHS tier rates will GHS apply Request before due date Personal Savings (25) GHS 6.00* Duplicate Leaflets Enquiries 1year and above GHS.00 per sheet Interim (Screen printed Between months and 1yr.) GHS 1.50 per sheet (Using A4 sheets) 7

8 Contents C. ELECTRONIC SERVICES Personal A. SERVICE Account CHARGES ATM SERVICES i. Charges on Cedi Transactions Personal Account Application Business Initial /NGO Card /Club Issuance & Societies / Corporate GHS 5.88 (Manual) GHS 0.5 Savings Account (Successful Cheques Requisition Withdrawal Charges Fee withdrawals) (Per Transaction) Returned Cheques Returned Monthly/Annual by us Fee Cheques Card Returned Replacement To Us GHS 9.40 Stopped Cheques (Manual) INTERNET Counter SERVICES Cheques (Current Account) UMB Withdrawal Slip Application Bank Draft( Payment Orders) Initial Setup; Individual Statements Corporate Transaction Certificate Fee of Balance 4 Monthly/Annual Auditors Report Fee 4 PIN Replacement Standing Orders (Manual) GHS 42.5 SMS Salary ALERT Transfer (Per Transaction) 4 Salary Processing 4 Application Account Closure Fee 4 Initial Setup Monthly Fee (local cell nos.) GHS 1.76, $1, 1, 1 International ii. Charges Mobile on nos. Forex Transactions GHS2.5, $2, 2, 4 2 Business SWIFT or Transfers SME Accounts GHS2.94, 4 Claiming of charges from remitting Banks $2.5, 2.5, E-ZWICH Request for Foreign drafts & BOG Transfers 5 Outward Telegraphic Transfers 5 Application Initial Foreign Card Currency Issuance Account 5 Card Foreign Replacement Exchange Account GHS (Transactional Cheque Lodgments Charges Apply) 5 7,000 Statement 9,999 Request Cheque Book Request 6 Stop Payment 6 B. OPERATING BALANCES UMB 10,000+ Personal (Current) Account UMB Saver (Savings Account) 6 UMB Plus Account & MIA 6 ACH Charges UMB Fixed Deposit Account (All Retail FDs) 6 UMB SINGLE Call Account TRANSFER (Direct Credit) 6 UMB Family Saver (Parent Account) 6 Amount Charge C. ELECTRONIC SERVICES 1-9, ,000-29, ATM SERVICES 7 INTERNET 0,000 SERVICES - 99, SMS ALERT 7 E-ZWICH 100, , SINGLE 200,000 TRANSFER - (Direct 499,999 Credit) BULK TRANSFER/ MULTY BENEFICIARIES (Direct 500,000 Credit) - 999, VISA DEBIT CARD SERVICE FEES 8 i. Transaction Fees for ATM Cash Transactions 8 ii. Transaction Fees for POS Cash Transactions 8 Cheques iii. Transaction Fees for RETAIL Transactions 9 iv. Charges for VISA ATM Acquiring Transactions 9 BULK TRANSFER/ MULTY BENEFICIARIES (Direct Credit) D. TRADE SERVICES Account Type Charge for Transfer SERVICE (per transaction) 10 NEW Customer CHARGES 0.29% of each transaction 10 GENERAL Non-Customer amt. min GHS max TRADE SERVICES GHS Imports LCs 10 Collections 10 Exports LCs 11 We aim to provide transparent and easy to understand charges for all our products and services. This is to be read in conjunction with terms and conditions, product and service-specific information. Updates to this guide will be advised annually via our website ( and/or in writing. 2 8

9 A. SERVICE CHARGES D. TRADE SERVICES i. Charges on Cedi Transactions SERVICE Personal GENERAL Account Returned Cheques NEW CHARGES Returned by us Returned By Us 10% of face value Debit Turnover in a month Variable Fee/Charge0.88% of face value (Min $29.8, 17.6 or 2.50) Swift Tranysfer (Foreign Acct) depending (Insufficient on FCA type Funds) of cheque 0-1, Swift Fee $5.25, 2.50, Returned 29.8 Cheques - FEA and Local FCA types GHS ,000 -, (Any other reason) Swift Transfer Amendment $ Flat,500 4, Recall of Funds - Customer s Request 4,500 6,999 $ 5.25 Flat Cheques Returned To Us Tracers 7,000 9,999 $ 29.8 Flat Insufficient Nil TRADE SERVICES 10, Any other- GHp 0.50 borne Increase in Amount 1.47% by the bank Business /NGO /Club & Societies / Corporate Expired and Unutilised L/C $ Flat Debit Turnover in a month Variable Fee/Charge Extension of Expiry Period 0.59% per Stopped quarter Cheques 0 -, Imports LCs Cheques Countermand By GHS 7 4,000-9, Customer Letters of Credit 2.06% per quarter 10,000 24,999 Establishment Commission Lost Cheque Charge 2.06% per quarter GHS 10 25,000 49, Sight - Establishment 2.06% per quarter 50,000 99, Counter Cheques/ Withdrawal Slip Swift Fee $ , Current GHS 5 LC Deferred Days 2.06% per quarter Savings Account Savings GHS Deferred - Sight 180 Days 2.06% per quarter No. of Withdrawals in a Variable Fee/ Charge Discrepancies $ per Drawings month UMB Withdrawal Slip L/C Cancellation $ Flat Savings GHS L/C Ammendment $58.75 Bank Draft( Payment Orders) Drawing Under L/C % 0 Customers Collections Cheques Requisition Charges 0.25% of face Advising/Handling $58.75 value: Cheque Book Normal Fast Track Minimum GHS 5 Payment Commission - Cedi/Forex 0.88% of face value Maximum GHS 2.5 Personal (50) Leaflets GHS 9.00 GHS Holding Charges of Overdue Bills (per $58.75 quarter) Business (50) Leaflets GHS GHS Statements Return of documents to remitting bank $ Business outside (100) Ghana Leaflets - CourierGHS GHS Request before due date Transfer of Collection Document to other $88.1 Personal Savings (25) Banks in Ghana GHS 6.00* Duplicate Leaflets Fully Cash Covered L/C 2.06% per Enquiries quarter 1year and above GHS.00 per sheet Swift Fee $29.8 Interim (Screen printed Between months and 1yr.) GHS 1.50 per sheet (Using A4 sheets) 9

10 Contents Exports LCs A. SERVICE CHARGES Negotiation Courier i. Charges on Cedi Transactions $88.1 Personal Account UMB Saver (Savings Account) 6 Document Examination Fee 0.18% Business /NGO /Club & Societies / Corporate UMB Plus Account & MIA 6 Advising Commission $ Savings Account UMB Fixed Deposit Account (All Retail FDs) 6 Tranfer of L/C GHS Cheques Requisition Charges UMB Call Account 6 Confirmation Returned Cheques 2.06% per UMB quarter Family Saver (Parent Account) 6 Cancellation Returned by Commission us $ Flat Cheques Returned To Us C. ELECTRONIC SERVICES Commission on Export Collection 0.88% Flat Stopped Cheques Inward Counter Cheques Cheques for (Current Collection Account) $17.6 ATM SERVICES 7 (Settlement By Transfer) UMB Withdrawal Slip INTERNET SERVICES 7 Bank Draft( Payment Orders) SMS ALERT 7 Statements E-ZWICH 7 Fees Certificate / handling of Balance of Export Prepaid Docs GHC SINGLE TRANSFER (Direct Credit) 7 Auditors Report 4 BULK TRANSFER/ MULTY BENEFICIARIES Guarantees Processing Fee 1.18% Flat (Direct Credit) 7 Standing Orders 4 Bill of Lading Indemnity 1.18% per VISA quarter DEBIT CARD SERVICE FEES 8 Salary Transfer (Per Transaction) 4 i. Transaction Fees for ATM Cash Transactions 8 Minimum Salary Processing LC Est. Charge GHC ii. Transaction Fees for POS Cash Transactions 8 Minimum Account Charge Closure Fee LC Amendments GHC iii. Transaction Fees for RETAIL Transactions 9 Minimum Import Collection Pmt. Comm. 1.47% iv. Charges for VISA ATM Acquiring Transactions 9 ii. Charges on Forex Transactions 4 Minimum SWIFT Transfers -Export Txns GHC Guarantee minimum charge GHC117.50D. TRADE SERVICES Claiming of charges from remitting Banks 4 B. OPERATING BALANCES 0.88% (For values in Excess of $200K) and 1.18%( Below $200k) UMB Personal (Current) Account 6 Commission Request for on Foreign guarantees drafts & BOG Transfers 1.18% 5 per SERVICE quarter 10 Outward Telegraphic Transfers 5 NEW CHARGES 10 Foreign Currency Account 5 GENERAL 10 Foreign Exchange Account 5 TRADE SERVICES 10 Cheque Lodgments 5 Imports LCs 10 Statement Request 6 Collections 10 Cheque Book Request 6 Exports LCs 11 Stop Payment 6 We aim to provide transparent and easy to understand charges for all our products and services. This is to be read in conjunction with terms and conditions, product and service-specific information. Updates to this guide will be advised annually via our website ( and/or in writing. 2 10

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12 Contents A. SERVICE CHARGES i. Charges on Cedi Transactions Personal Account Business /NGO /Club & Societies / Corporate Savings Account Cheques Requisition Charges Returned Cheques Returned by us Cheques Returned To Us Stopped Cheques Counter Cheques (Current Account) UMB Withdrawal Slip Bank Draft( Payment Orders) Statements Certificate of Balance 4 Auditors Report 4 Standing Orders 4 Salary Transfer (Per Transaction) 4 Salary Processing 4 Account Closure Fee 4 ii. Charges on Forex Transactions 4 SWIFT Transfers 4 Claiming of charges from remitting Banks 4 Request for Foreign drafts & BOG Transfers 5 Outward Telegraphic Transfers 5 Foreign Currency Account 5 Foreign Exchange Account 5 Cheque Lodgments 5 Statement Request 6 Cheque Book Request 6 Stop Payment 6 B. OPERATING BALANCES UMB Personal (Current) Account 6 UMB Saver (Savings Account) 6 UMB Plus Account & MIA 6 UMB Fixed Deposit Account (All Retail FDs) 6 UMB Call Account 6 UMB Family Saver (Parent Account) 6 C. ELECTRONIC SERVICES ATM SERVICES 7 INTERNET SERVICES 7 SMS ALERT 7 E-ZWICH 7 SINGLE TRANSFER (Direct Credit) 7 BULK TRANSFER/ MULTY BENEFICIARIES (Direct Credit) 7 VISA DEBIT CARD SERVICE FEES 8 i. Transaction Fees for ATM Cash Transactions 8 ii. Transaction Fees for POS Cash Transactions 8 iii. Transaction Fees for RETAIL Transactions 9 iv. Charges for VISA ATM Acquiring Transactions 9 D. TRADE SERVICES SERVICE 10 NEW CHARGES 10 GENERAL 10 TRADE SERVICES 10 Imports LCs 10 Collections 10 Exports LCs 11 We aim to provide transparent and easy to understand charges for all our products and services. This is to be read in conjunction with terms and conditions, product and service-specific information. Updates to this guide will be advised annually via our website ( and/or in writing