Effective MAY 2, Customer Fee Guide

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1 Effective MAY 2, 2016 Customer Fee Guide

2 Customer Fee Guide Business Services Contents Day-to-Day Banking Services Business Services Current Accounts Payroll Services Bills for Collection Letter of Credit Loan Foreign Exchange e-financial Services NCB Stored Value Card NCB Midas Debit Card See What You Save With Electronic Banking Customer Service & Business Support 2

3 Day-to-Day Banking Services CONTENTS LOCAL Auditor s Confirmation Balance Enquiry Via Branch (Telephone request) Balance Enquiry Via Branch and/or Customer Care Centre (Telephone request) Certification of Balance of Account (Including certificate to Embassies) Manager s Cheque (Purchased from NCB Account) Manager s Cheque (Purchased with cash) Pre-Authorized Payment (Manual) Setup Fee $3,378.5 per confirmation plus $1, per hour for listing securities $ per request Personal Customers $1, per request Business Customers J$ per certificate $ per item $ per item $ per item Facsimile Sent/Received for Customer Transfer To Third Party Accounts (In-branch) Transfer To Other Banks (In-branch) (Online) RTGS RTGS Return Fee ACH ACH Return Fee Standing Order Setup Fee Transaction Fee (Success) Transaction Fee (Failure) Sweep Facility (Retail Accounts) Transfer Between Own NCB Accounts (In-branch) Voucher Search (At customer s request) Utility Bill Payments Processed in Branches (Only applicable to JPS, NWC and C&W bill payment transactions) $ per page (local) $1, per request $2, per request [Effective March 21, 2016] $ per request $ per request $20.00 per request $20.00 per request $ per item $ per item $ per item J$85.37 per sweep US$1.25 per sweep CAN$1.35 per sweep GBP 0.79 per sweep EUR 0.93 per sweep $1, per request $1, per item per hour or part thereof Minimum $1, per item $ per bill Dormant Fees $ Cheque Encashment Fee $

4 [ Day-to-Day Banking Services Cont d ] CONTENTS FOREIGN Certification of Balance of Account (including Certificate to Embassies) Facsimile Sent/Received for Customer Special Letter (e.g. Colleges, Mortgage Companies abroad etc.) Processing of Cheque drawn in US$0 on a European Bank Foreign Cheque (BN) (Excluding Travellers Cheques) Foreign Currency (Cash) Presented in Exchange for Draft / Wire Transfer US$16.86 per Certificate CAN$18.12 per Certificate GBP per Certificate EUR per Certificate $ per page (foreign) $2, per letter $1, per item plus stamp duty on each cheque $68.71 per item plus stamp duty on each cheque 2.97% commission plus cost of draft/wire transfer Minimum US$29.78 CAN$32.00 GBP EUR Foreign Draft (Sold) $ Locally Negotiated Foreign Currency Manager s Cheques International Wire Transfer Inward Outward Transfer Between Own NCB Accounts (In-branch) Voucher Search (At customer s request) US$5.83 CAN$6.03 GBP 3.75 EUR 4.42 $3, In-Branch $3, Online $1, Plus Cost of Telex - $ US$10.31 per request CAN11.81 per request GBP6.80 request EUR8.76 per request US$25.20 per item per hour or part thereof Minimum US$25.20 per item 4

5 Business Services CONTENTS CURRENT ACCOUNTS LOCAL Cheque Books (Courier Delivered) Each set of 600 leaves $10, Cheque Books (Branch Pick-up) Each set of 600 leaves $13, Specially Printed Deposit Book Cost plus 24.79% Specially Printed Cheque Leaves Cost plus 24.79% Service Charge Cheques Paid Over Limit/Balance Debit Against Uncleared Funds Cheque Returned by Other Banks/NCB Branches and Subsequently Charged Back to Customer s Accounts No charge if minimum monthly credit balance is $200, and above. $93.65 per entry if minimum monthly credit balance falls below $200, Minimum charge per month - $ $2, per item $ per item $ per item - NCB A/C $1, per item - Other bank per item Insurance Companies Foreign Cheques - US$26.25 per item CAN$26.25 per item GBP per item EUR per item Cheque Returned by Account Holding Branch/Bank Refer to Drawer Uncleared Effects Technical Reasons Duplicate/Interim Statement Overdraft Interest Stop Payment/Cancellation J$ Cash Deposits in Excess of $1,000, Per Day $1, per item $1, per item $1, per item $ per request Agreed rate of interest Minimum per month - $3, $ per item Contact your Branch Manager 5

6 [ Business Services Cont d ] CONTENTS CURRENT ACCOUNTS Cont d Corporate Banking Charges Service Charge High Volume Cheque processing charge Large Item Charge Manual transfer between accounts Processing Managers Cheques greater than or equal to J$2M Minimum charge per month - $ plus J$80.00 per entry on Jamaican dollar Current Accounts. You will benefit from 1 free entry for every J$30,000 credit balance maintained. J$200 per entry if 500 or more cheques are issued per month. $5,825 per cheque for cheques valued at J$2M and over $1,165 per item $5,825 FOREIGN Service Charge Accounts with cheque books Duplicate/Interim Statements No charge if minimum monthly credit balance is US$5, and above. US$3.93 per entry, if balance falls below US$5, Minimum charge per month - US$13.74 US$7.34 per request Cheque Books (Courier Delivered) Each set of 600 leaves (for new accounts) US$ Cheque Books (Branch Pick-up) Each set of 600 leaves (for new accounts) Deposit of Foreign Currency Cash In excess of US$2,500 per day In excess of CAN$2,500 per day In excess of GBP 2,500 per day In excess of EUR 2,500 per day Deposit of Foreign Cheques US$ CAN$ GBP EUR US$ % of amount in excess of US$2, % of amount in excess of CAN$2, % of amount in excess of GBP 2, % of amount in excess of EUR 2,500 US$1.04 per item CAN$1.04 per item GBP 1.04 per item EUR 1.04 per item Plus stamp duty on each cheque 6

7 [ Business Services Cont d ] CONTENTS CURRENT ACCOUNTS Cont d FOREIGN Cont d Unpaid Cheque Stop Payment Debit Against Uncleared Funds US$25.19 per item US$45.80 per item US$5.15 per item CAN$5.55 per item GBP 3.26 per item EUR 3.84 per item PAYROLL SERVICES Deposit to Employees Accounts (List/Deposit Slips Provided by Employer) Making Cash Payments from List Supplied by Employer $500.00* per transaction to NCB account $600.00* per transaction to non-ncb account *Increased fees are applicable for listings received late. $ per name Preparing Pay Packets Where Names and Amounts are Recorded by Employer Preparing Pay Packets Where Names and Amounts are Recorded by NCB Payroll Cashing Credit Establishing/Renewing Cashing Credit Amending Cashing Credit $495.74per name $ per name $ per item $4, per annum $4, per annum BILLS FOR COLLECTION Clean Bills Collection Commission (Documentary Inward & Outward) Holding Charge 1.75% commission Minimum $2, % commission Minimum $5, $1, per month Payment of Agent s Commission $1,

8 [ Business Services Cont d ] CONTENTS LETTER OF CREDIT Advising or Amending Credit $5,000 Inward Acceptance Commission Confirmation Outward Establishment Fee 1-59 days days days 180 days & over Cancellation/Non-Utilization of less than 80% of value of Letter of Credit Drawings Under Credit Standby Letter of Credit 0.64% per month Minimum $2, % of amount Minimum $2, % of amount 1.78% of amount 2.38% of amount 3.56% of amount Minimum $2, plus foreign bank charge $5, plus out of pocket expenses plus foreign bank charge. Establishment Fee retained. 0.64% of amount. Minimum $10,000 plus foreign bank charge. Interest is applied from date payment effected by foreign bank to date foreign currency is allocated. 2.28% per annum Minimum $10,000 plus foreign bank charge. LOAN Commitment & Re-Negotiation Fee General Personal Business Letter of Undertaking for Motor Vehicle, Land, Dwelling Purchase, etc. Minimum commitment fee $12, Cash Secured 1.49% Unsecured Facilities 3.50% Secured Facilities 3.50% NCB Motor Vehicle Loan 3.50% NCB Mortgages 3.50% Secured Facilities 3.50% NCB Motor Vehicle Loan 3.50% Personal $5, per letter Corporate $5, per letter 8

9 [ Business Services Cont d ] CONTENTS LOAN Cont d Guarantee issued to Other Financial Institutions (Local) Cash Secured Non-cash Secured Guarantee Issued to Other Financial Institutions (Foreign) Cash Secured Non-cash Secured Guarantee issued to Service Provider Cash Secured Non-cash Secured Guarantee Commercial Paper Credit Bureau Credit Reports (CRIFNM & Credit Info) Personal $5, per letter Corporate $5, per letter 2.97% % per annum depending on the amount, nature of security provided, risk involved, etc. Minimum $5, % per annum Minimum US$ % % per annum depending on the amount, nature of security provided, risk involved, etc. Minimum US$ % per annum Minimum $5, % % per annum depending on the amount, nature of security provided, risk involved, etc. Minimum $5, % % per annum depending on amount, nature of security provided, risk involved, etc. Minimum $5, Personal - $1, Business - $ Credit Report $3, US$44.62 FOREIGN EXCHANGE SERVICES Cash Holdings (Cash held for Cambio) $3.65 per $1, Deposit to Bank of Jamaica Foreign Currency Account Cash Cheque US$2.40 per US$1, US$1.88 per cheque lodged CAN$1.88 per cheque lodged GBP 1.88 per cheque lodged 9

10 e-financial Services CONTENTS NCB STORED VALUE CARD Annual Primary JOINING Fees Keycard Cash Annual Supplementary JOINING Fees Keycard Cash Replacement Card Fees Keycard Cash $ NCB MIDAS DEBIT CARD Automated Banking Machine - USING NCB ABM Withdrawal Deposit Transfer between own NCB Accounts Balance Enquiry Declined Bill Payment - USING MULTILINK Withdrawal Balance Enquiry Declined Point-of-Sale Purchase (NCB Machine) Declined (NCB Machine) Purchases (MultiLink) Declined (MultiLink) Tele-Banking Transaction Fee Transfer between own NCB Accounts $30.00 $12.10 $60.34 $31.35 $31.35 $12.10 $10.08 $14.13 $12.10 Replacement (Midas) Debit Card $ debit card transactions (using NCB ABMs and POS machines) per month. NCB Online Personal Internet Banking ( access Bill Payment - Account Transfer - [ e-financial Services Cont d ] CONTENTS 10

11 NCB MIDAS DEBIT CARD Cont d NCB Online Business Internet Banking NCB Online Business Internet Banking (Full Access) NCB Customer Care (Read Only Access) Installation - Monthly Access ( for Retail SMEs & $2, for Treasury & Corporate customers). Bill Payment - Payroll Services - $10.14 per transaction Electronic PAP - $17.71 per transaction ($10.14 paid by insured) Account Transfers - *Sign up for NCB Midas Plus and get unlimited free transactions via NCB electronic banking channels (Telephone Banking, Point-of-Sale (POS), Internet or ABM). With your NCB Midas Card you can bank securely and quickly from the convenience of your home, office or while on-the-go, by using a suite of electronic banking channels at any time! Internet Banking and Telephone Banking services are available for you to transact business between accounts, check balances and to pay bills. NCB Automated Banking Machines (ABMs) and Point-of-Sale (POS) terminals islandwide allow you to get cash and make purchases directly from your account. 11

12 Customer Service & Business Support CONTENTS Call NCB-FIRST ( ) or NCB (622) 24/7 at our Customer Care Centre An NCB Customer Care Agent will gladly assist you with your service requests, which may include: Checking balances on your NCB Credit Cards, Savings, Current and Loan Accounts Requesting statements Ordering cheque books Getting information on our products and services Authorization and Merchant Services for debit and credit card transactions The rates and details herein are subject to change without notice. Charges include General Consumption Tax (GCT). This Fee Guide lists the fees applicable to the new and more frequently used financial services. All fees are quoted in Jamaican dollars unless otherwise stated. 12

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