1 2 Schedule of Charges Particulars Charges / Commission/ Fees Account Maintenance Fee Current Account/ SND Account BDT 500 Half Yearly Regular Savings / Inspire / Ruby / i) No fee up to BDT 5,000 on average Senior / NRB Saving/ Other balance Saving Account ii) BDT 100 on half yearly basis up to BDT (waiver of A/C maintenance fee 25,000 on average balance for Junior, Graduate, Shanchay and Care) iii) BDT 300 on half yearly basis above BDT 25,000 on average balance FCY account Account Closing Charge Current Account / SND Account BDT 300 Savings / Inspire / Senior / Ruby / Other Savings Accounts Deposit Products Account BDT 500 Half Yearly BDT 200 No charge for premature encashment Account Transfer Charge 3 All types of Savings, CD, SND BDT 300 and Deposit Products Account Statement Charge 4 Current / SND Account ( Monthly basis one copy) Current / SND Account BDT 100 per instance ( More than one in month ) Regular Savings / Senior / Inspire/ Ruby / Other Savings Accounts (Half-Yearly basis) Regular Savings / Senior / Inspire/ Ruby / Other Savings BDT 100 per instance Accounts Deposit Products One copy A/C statement every half year : A/C statement to be issued at the request of client on realization of BDT 100 per instance MTB Bank Statement verification (when those are sent to us for BDT 300 per instance verification by embassies, other banks etc) Installment failure Charge 5 Deposit Products Monthly 2% for each defaulted installment 6 Current / SND / Savings / Senior / Inspire Account / Ruby / Other Savings A/Cs Issuance of Cheque Books i) BDT 4.00 per leaf including VAT ii) First 3 (three) cheque books (10 leaves each ) free for Senior Accounts and MTB Care Page 1 of 11
Bangladesh Bank Cheque 7 Issuance of Bangladesh Bank cheque at the request of the client Dormant A/C Activation Charge 8 Dormant A/C Activation Charge BDT 100 9 BDT 200 per cheque On-line Cash Transaction- deposit and withdrawal (Inter City) Up to BDT 100,000 Above BDT 100,000 to BDT 500,000 BDT 150 per transaction Above BDT 500,000 to BDT 1,000,000 BDT 300 per transaction Above BDT 1,000,000 to BDT 2,000,000 BDT 500 per transaction Above BDT 2,000,000 to BDT 5,000,000 BDT 1,500 per transaction Above BDT 5,000,000 BDT 2,500 per transaction On-line Cash Transaction- deposit and withdrawal (Within City) 10 Any amount On-line Transfer - Refund Warrant (IPO) 11 Per Transaction BDT 10.00 12 13 14 15 16 Local Funds Transfer Fee/Commission i) Up to BDT 10,000 : BDT 25 *Pay Order issue- A/C holder ii) BDT 10,001 to BDT 1,00,000 : BDT 50 iii) Above BDT 1,00,000 : BDT 100 *Pay Order issue - Non A/C holder BDT 200 on any amount *Demand Draft (DD) issue - A/C holder 0.15% of the DD amount, min BDT 100, Maximum BDT 1,500 *Demand Draft(DD)issue-Non A/C holder 0.15% of the DD amount min, BDT 200 Issuance of Duplicate instrument Issuance of Duplicate instrument Pay BDT 100 + stamp charges for Order(PO) indemnity bond Issuance of Duplicate instrument BDT 200 + including stamp charges for Demand Draft (DD) indemnity bond Cancellation of Local Funds Transfer Cancellation of DD BDT 200 Cancellation of Pay Order BDT 200 Cancellation of Bangladesh Bank Cheque BDT 100 Stop payment instruction BDT 200 Standing Instruction BDT 100 for execution of each Standing Instruction creation charge instruction. No charge for transfer of fund from any deposit account to scheme account. Standing Instruction Cancellation/ BDT 50 Amendment Cheque for Collection Own Bank's Cheque deposit any amount (one city to another) LCY chq collection within clearing house LCY chq collection where there is no clearing house ( Bank Area) cost, min BDT 50 per case * Bank will charge commission of BDT 10 only for issuing Draft/Pay Order (not exceeding BDT 500) in connection with application by students/unemployed youth for employment. Page 2 of 11
Outstation chq collection 0.10%, min BDT 100, maxi BDT 1,000 commission (within Bank branches clearing zone) Outstation chq collection 0.15%, min BDT 150, maxi BDT 1,500 commission-(outside bank branches clearing zone) 17 Cheque Return Unpaid Bounced / Unpaid Cheque drawn BDT 100 on us (cash/ clearing / transfer) Outward clearing cheque return for No charge any reason * 18 BACH Below BDT 50,000 No charge BDT 50,000 to below 5,00,000 BDT 10 ( BB 8 + presenting bank 2) BDT 5,00,000 and above- high value clearing BDT 60 ( BB 50 + presenting bank 10) BDT 5,00,000 and above- regular BDT 25 ( BB 20 + presenting bank 5) value clearing All types of G2P ( Government to Person) cheque No charge Cheques, utility bills of any amount received against all types of Government receipts and all cheques received against the No charge claims of City Corporation/ Pourashava. BEFTN 19 EFT transactions ( Any amount) No charge Other Services Locker Service 20 Fees - Small BDT 2,000 + Insurance Premium Fees - Medium BDT 2,500 + Insurance Premium Fees - Large BDT 3,000 + Insurance Premium Security Deposit (Refundable) Small BDT 2,000 Medium BDT 3,000 Large BDT 5,000 21 Replacement of key ( Lost / Damage) Actual cost for lock replacement + BDT 1,000 Certificates / Reports Half yearly balance confirmation certificate Additional balance confirmation BDT 200 certificate Balance certificate for Loan BDT 200 Duplicate balance certificate for BDT 200 Loan - following day Issuance of solvency certificate BDT 500 Certificate for inward remittance BDT 200 Certificate of encashment of BDT 100 Bonds/Securities * BACH and BEFTN charge will be changed as per instruction of BB from time to time. Page 3 of 11
22 23 Bank certificate required by BO BDT 100 account holders Duplicate savings certificate/ BDT 300 per instance declaration in lieu Obtaining credit report on behalf of BDT 200 local customer Duplicate statement through call BDT 100 + Additional BDT 200 per centre, by direct mail, 3 W days previous year required-current year Bank Statement Verification (Request BDT 200 by other banks and embassies) Credit Card Certificate Fee BDT 200 Telex/ SWIFT/ FAX Within Country: Telex BDT 75 Fax per page BDT 25 Courier / Postage Outside Country: Telex SWIFT Fax per page BDT 50 Postage / Mail / Telephone Registered postage Courier- outside the country Telephone charge, min BDT 50 Parcel, min BDT 50 Corporate Employee Privilege Program (CEPP) Account maintenance fee Nil Debit card fee 0 to BDT 350 Credit card fee Up to Processing fee MTB Personal Loan- 50% waiver on prevailing fee MTB Auto Loan- 50% waiver on prevailing fee MTB Home Loan & Home Equity Loan- 50% waiver on prevailing fee SMS Banking 24 Annual Fee BDT 300 Internet Banking 25 Annual Fee Loan and Advance MTB Personal Loan 26 Loan processing fee 1.50% of loan amount Pre payment fee (minimum 30% of outstanding) 2% of loan outstanding Allowed after 6 months. At least minimum 30% of the loan outstanding to be paid by customer while making advance / prepayments. Fees 2% of the prepaid amount Page 4 of 11
27 28 29 Installment Failure charge Loan re-schedulement Fees for loan closure certificate 3% on arrear amount 1% of loan outstanding No fees. For duplicate certificate charge BDT 200 CIB Charge BDT 200 Contact Point Verification BDT 500 MTB Auto Loan Loan processing fee Pre payment fee 1% of loan amount. 2% of loan outstanding Allowed after 6 months. At least minimum 30% of the loan outstanding to be paid by customer while making advance / prepayments. Fees 2% of the prepaid amount Installment failure Charge 3% on arrear amount Loan re-schedulement 1% of outstanding amount No fees. Fees for loan closure certificate For duplicate certificate charge BDT 200 Change of Car Quotation BDT 500 per quotation CIB Charge BDT 200 Contact Point Verification BDT 500 Notarization Fee BDT 50 MTB Home Loan / MTB Home Equity Loan Loan processing fee 1.25% of loan amount. 1.5% of loan outstanding Allowed after 6 months. At least minimum 20% per 1 lac whichever is Pre payment fee lower of the loan outstanding to be paid by customer while making advance / prepayments. Fees 1.5% of the prepaid amount Installment Failure charge 3% on arrear amount Loan re-schedulement 1% of outstanding amount No fees. Fees for loan closure certificate For duplicate certificate charge BTD 200 CIB charge BDT 200 Legal charge Property Valuation charge Contact Point Verification BDT 500 MTB Professional s Loan Loan processing fee 1.25% of loan amount. 2% of the outstanding loan amount Allowed after six months. Minimum 30% Advance / Partial prepayment of the loan outstanding to be paid by customer. Fees 2% of the prepaid amount. Installment failure charge 3% on the dues amount. Page 5 of 11
30 CIB charge BDT 200 Contact Point Verification BDT 500 Lien Mark & Security Encashment Other Bank's instrument kept under lien in our Bank BDT 250 Our Bank's instrument kept under lien in other Bank BDT 250 Other Bank's instrument BDT 500 encashment Issuance of Guarantee 31 Commission 0.50% - 0.75% per quarter or part thereof Minimum BDT 1,000. In case of 100% cash margin BDT 500 SOD (FO) 32 Loan processing fee i) Up to BDT 10 lac: BDT 500 ii) BDT 10 lac to 100 lac: BDT 1,000 iii) above BDT 100 lac: BDT 2,000 33 Loan processing fee 34 35 Other than SOD (FO) i) Up to BDT 50 lac: BDT 3,000 BDT 5,000 ii) BDT 50 lac to BDT 100 lac: BDT 5,000- BDT10,000 iii) BDT 100 lac to BDT 500 lac: BDT 10,000 - BDT15,000 iv) BDT 500 lac & above: BDT15,000 BDT 20,000 Management Fee / Early Adjustment / Commitment Fee For fresh sanction / Enhancement / 0.25% -2.50% EOL / validity Extension Early Adjustment (Term 1% - 2% (on present O/S) Loan, HBCRL,CHB) Commitment Fee As per negotiation determined on the basis of bankers customers relationship BDT 1,000 per Month (Minimum) Temporary Extension of Group Limited Processing Fees For Special Sanction i) Change of Directors ii) Change of Security BDT 2,000 iii) Issuance of NOC for Pari- passu Security Documentation Deferral BDT 5,000 (For First 2 Months) Then BDT 3,000 per Month Loan Statement 36 Loan A/C Statement per month 1(one) Loan Statement more than one per month BDT 200 per instance Cards Credit Card (VISA) 37 Annual Fee( Primary Card) Classic- BDT 1,000, Gold- BDT 1,800, Dual- BDT 2,000 Page 6 of 11
38 Annual Fee- Supplementary Card Annual Fee- Supplementary Card - 2nd to 4th card Classic- BDT 500, Gold- BDT 750, Dual- BDT 1,000 Card Replacement Fee Classic- BDT 300, Gold- BDT 400, Dual- BDT 500 Late Payment Fee Classic- BDT 200, Gold- BDT 300, Dual- BDT 700 Excess Limit Fee Classic- BDT 200, Gold- BDT 300, Dual- BDT 700 Cash Advance Fee- on us ATM and BDT 50 Off us ATM BDT 150 (Local) / 2% whichever is higher or $2 (Foreign) Balance Transfer Fee 1% Statement Retrieval Fee N/A Voucher Retrieval Fee Classic- BDT 100, Gold- BDT 100, Out of Town Cheque Collection Fee Dual- BDT 140 Classic- BDT 50, Gold- BDT 50, Dual- BDT 140 Cheque Return Fee Classic- BDT 100, Gold- BDT 200, Dual- BDT 350 Certificate BDT 150 PIN Replacement Fee Classic- BDT 200, Gold- BDT 300, Dual- BDT 400 Duplicate Statement Fee Classic- BDT 50, Gold- BDT 50, Dual- BDT 140 / USD 2 Card Cheque Book Fee- First Book (10 leaves) Card Cheque Book Fee- 15 Leaves BDT 150 Card Cheque Book Fee- 25 leaves BDT 200 Card Cheque Processing Fee 1.25% Debit Card Annual fee Card replacement fee PIN replacement fee Cash withdrawal at MTB ATM's BDT 500 per annum BDT 300 per replacement BDT 200 per replacement N/A Cash withdrawal at off us ATM BDT 35 Prepaid International (Primary Card) $ 20 Prepaid International $ 10 (Supplementary Card) Prepaid Gift Card BDT 500 Charges of Privilege Customers Maintenance Fee 1 All types of accounts Charges for Transfer of A/C 2 All types of accounts Cheque book issue Fee 3 All types of accounts A/C Statement Charge 4 All types of accounts Page 7 of 11
Local Funds Transfer Fee/Commission 5 Pay Order issue- Customer/ Demand Draft (DD) issue Customer/ Bangladesh Bank cheque issuance Issuance of Duplicate instrument 6 Issuance of Duplicate instrument (PO/DD/SDR) 7 Cancellation of Local Funds Transfer Cancellation of PO/ DD/ Bangladesh Bank cheque Stop payment on Clearing Cheque/ Cash Cheque / Entire Cheque Book (per instruction) 8 Standing Instruction (SI) Standing Instruction (SI) creation charge (any transaction) Cancellation of SI Foreign remittances (Inward) 9 Payment of any taka drafts issued by exchange house/foreign bank in abroad which are drawn on our bank.(this shall include payment in cash, through account, transfer or by clearing) Encashment of any foreign TT in taka at our counter. Issue of Travelers Cheque (TC) / FCY Notes 10 Endorsement fee Customer 11 FCY (Cash) Encashment Cash FCY encashment 12 13 Encashment certificate Customer Cheque for Collection - Local Currency (LCY) Outstation chq collection. commission (within Bank branches clearing zone) Outstation chq collection. commission-(outside bank branches clearing zone) Bounced / Unpaid Cheque Drawn on us Lien Mark & Security Encashment Other Bank's instrument kept under lien in our Bank Our Bank's instrument kept under lien in other Bank Other Bank's instrument encashment Annual Fee SMS Banking Page 8 of 11
14 Loans & Advance (Privilege) MTB Personal Loan Loan processing fee 1.00 % of loan amount 1.00 % of loan amount MTB Auto Loan 15 Loan processing fee 0.50% 1.00% MTB Home Loan / Home Equity Loan 16 Loan processing fee 0.75% 1.00% MTB Professional s Loan 17 Loan processing fee 1.00 % of loan amount 1.00 % of loan amount Cash Transaction- deposit and withdrawal (Inter City) 18 Up to BDT 5,00,000 Above BDT 5,00,000 to BDT 15,00,000 Above BDT 15,00,000 Cash Transaction- deposit and withdrawal (Within city) 19 20 21 22 CARDS (Privilege) Credit Card Annual Fee( Primary Card) Annual Fee- Supplementary Card Annual Fee- Supplementary Card 2 nd to 4 th card Card Replacement Fee Voucher Retrieval Fee Out of Town Cheque Collection Fee Cheque Return Fee Certificate PIN Replacement Fee Duplicate Statement Fee Card Cheque Book Fee- 10 Leaves Card Cheque processing fee 50 % discount on prevailing fee Debit Card Annual fee Card replacement fee PIN replacement fee Prepaid International (Primary Card) Prepaid International (Supplementary Card) Prepaid Gift Card Other Services( Privilege) Student File For SAARC countries - Customer Renewal (SAARC) Page 9 of 11
23 24 For other than SAARC countries Customer Renewal (other than SAARC) Lockers Fees - Small Fees Medium Fees Large Replacement of lost keys Actual cost for lock replacement + Refundable Security Deposit Small BDT 1,000 Medium BDT 1,500 Large BDT 2,500 Certificates / Reports Half yearly balance confirmation certificates Additional balance confirmation certificates Balance Certificate for Loan Duplicate Balance Certificate for Loan- Same Day Duplicate Balance Certificate for Loan - Following Day Certificate for AIT Issuance of solvency certificate Credit/Solvency information (International) Certificate for inward remittance Certificate of encashment of Bonds/Securities Bank certificate required by BO account holders Application/Confirmation of test(applicable for other banks only) Duplicate savings certificate/ declaration in lieu Duplicate advice more than 6 months old (per advice) Obtaining credit report on behalf of local customer Duplicate Statement through call centre, by direct mail, 3 W days required Current year Bank Statement Verification (Request by other banks and embassies) Credit Card Certificate Fee Fees for loan closure certificate Page 10 of 11
i) VAT will be realized on charges, fees and commission as per government rules. ii) Bank reserves the right to change/amend this Schedule of Charge as per Bangladesh Bank guideline which would be updated on www.mutualtrustbank.com Note: Managing Director & CEO will have the discretion to change (enhance/reduce/waive) the charges, fee and commission according to Banker-Customer relationship. Page 11 of 11