Schedule of Rates & Charges

* – Special conditions apply

** – Additional charges may apply.

*** – Please request additional information on this charge.

~ – Prices reflect charges for EC$ and US$ accounts

Fees are inclusive of 17% Value Added Tax (VAT) where applicable.

Accounts closed within 6 months	$35.10 – Personal $70.20 – Corporate
Third Party Withdrawals	$17.55
Passbook Update (5 entries free)	$1.50 per item
Cheques returned unpaid by us	$58.50
Cheques returned by other banks	$58.50
Unauthorized Overdrafts	$58.50
Multi-statement Charge	$11.70 per sheet
Interim Sheets	$17.55 each
Overdraft Interest	Agreed Rate
Interest on Unapproved Overdraft	15%
Service Charge (minimum)	EC$11.70
-Business Accounts	EC$23.40
Written Verification of Balances	$29.25
Stop Payments	EC$23.40
Stop Payment Orders (Corr. Banks Drafts)	US$35.10
Transfers with written instructions	EC$23.40
Voucher Search (DDA cheques excluded)	$29.25 per item
Dishonoured Foreign Cheques	US$35.10
Special Clearing of Foreign Cheques	$50.00** (non-taxable)
Holding Statements	$5.85 per month
Audit Confirmation	$58.50
Standing Orders	$29.25
Balance Certification/Bank Statements	$40.95
Replacement Savings Passbook	$29.25
Urgent Transaction Request/ Placing Items on Ferry	$29.25 plus charges

Foreign Cheques Encashed	Enquire within
Foreign Drafts/Manager’s Cheque Sold	$11.70/US$5.85
Replacement Cheque Charge	EC$17.55/US$11.70**
Telex Transfers – Outgoing	EC$58.50/US$40.95*
Telex Transfers – Incoming	US$23.40
Returned Wires	US$35.10
Wire amendments/traces	US$35.10
Foreign Currency Transactions paid for in Foreign Currency	2% plus 17% VAT
Encashment of Travelers Cheques for Foreign Cash	2% plus 17% VAT
Drafts/Wire Transfers for Non-Customers Using our customers’ cheques	2% plus 17% VAT

Commitment Fees	1.5% – 2.5% of loan plus 17% VAT Minimum $150.00***
Overdrafts Renewals	1.5% of amount loaned plus 17% VAT
Undrawn loan after one year approval	0.5% of 1% of sum negotiated plus 17% VAT
Late Payment Fee	EC$58.50 ~
Guarantees/Indemnities	2% of amount plus 17% VAT***

Wallet Rental	$187.20 p.a.
Lost/Damaged Wallets	$117.00 plus cost of bag
Safety Deposit Rental	$146.25 (small) $175.50 (medium) $204.75 (large) $234.00 (Xlarge) $264.25 (Jumbo)
Lost keys	$29.25 – $70.20 plus cost of key
Safekeeping of Security Documents	$17.55 – $35.10 p.a.
Visits re safekeeping	$23.40 per entry***

Photocopy of Documents	$5.85 per sheet
Special Letters (Universities etc.)	$5.00* (non-taxable)
Cheques sent on collection	$58.50
Cheques received on collection	$35.10*
Reference Letters	$40.95

Initial Setup Fee (Business Card only)	US$175.50
Secondary	US76.05
Annual Fee (Classic) Primary	US$46.80/EC$117.00
Annual Fee (Classic) Secondary	US$23.40/EC$58.50
Annual Fee (Gold) Primary	US$70.20
Annual Fee (Gold) Secondary	US$35.10
Annual Fee (Business) Primary	US$87.75
Replacement Card	US$25 plus VAT 17%
Replacement PIN	$10.00~ (non-taxable)
Emergency Card Service	$75.00~ (non-taxable)
Late Payment Fee	$35.00 plus VAT 17%
Cash Advance Fee	2% or minimum $10.00~ plus 17% VAT
Duplicate Statement	$5.00~ ** (non- taxable)
Overlimit Fee	$35.00 plus VAT 17%
Return Cheque Fee	$25.00~ (non-taxable)
Miscellaneous Account Debit ~	2% min. US$10 plus VAT 17%
Account Closure*** ~	$10.00 – $30.00 (non-taxable)
Insufficient Funds re Standing Orders ~	$10.00 (non-taxable)
Transaction Declines for Insufficient Funds	2 free per month and US$1.00 for each decline thereafter (non-taxable)

Replacement Card	$30.00 plus VAT 17%
ATM Transactions done at SKNA	$1.76
ATM Transactions done at non-BON and non-SKNA and all other foreign ATMS for amounts of less than $500.00	$11.70
ATM Transactions done at non BON and non-SKNA and all other foreign ATMS for amounts over $500.00	2% plus 17% VAT

Value Added Tax (VAT) of 17% will be charged on the commission stated below: