Fee Schedule

Fees on this schedule are not VAT inclusive

At National, we offer some of the most attractive rates in the Federation. Our friendly and reliable staff are always eager to help you satisfy all your business and personal needs. We know that your time is precious, and therefore we have provided a copy of our fee schedule to help you effectively plan your affairs in advance. To access the schedule of fees, simply click on the link below.

ADVANCES & LOANS

Personal Overdrafts

Application Fee	NA
Commission/ Commitment	1% Min $150
Exceeding limit fee (per item)	$30.00
Overdraft fee monthly	Min $25 or 13% Overdrawn Bal

Commercial Overdrafts

Application Fee	NA
Commission/ Commitment	1% Min $150
Exceeding limit fee (per item)	$30.00
Overdraft fee monthly	Min $25 or 13% Overdrawn Bal
Overdraft Renewal Fee	1% Min $100 / plus service charge $50 for personal and $100 for commercial

Personal Loans

Commission	1% Min $250
Service Charge	$2 per month Min $50
Late Payment Fee – Consumer Loans Only	5% of outstanding /$40.00
Renewal Fee	NA

Mortgage Loans Personal

Commitment fees / Application Fee	1% Min $250
Service Charge	$2 per month Min $50
Late Payment Fee	NA
Construction Phase Interest	NA
Renewal Fee	NA
Inspection Fee	NA

Mortgage Loans Commercial

Commitment fees	1% Min 500
Service Charge	$5 per month Min $100

Issue of Guarantee

1% first $50,000 ( Min $500)

.75% on Excess ( Min $500)

.25% per 30 days or part thereof

ATM

Daily ATM Withdrawall Limits	$2,000.00
ATM Withdrawal (5 free debits per month)	$1.50

BANK CARDS

Debit Cards

ATM withdrawal (local) using other Bank’s AT	2% over $500.00; $10.00 Minimum
ATM withdrawal International	2% over $500.00; $10.00 Minimum
ATM withdrawal decline ( On Us)	$0.00
ATM withdrawal decline – Local bank	$2.50
ATM withdrawal decline – Over seas	$2.50
Fast Card Fees (Courier)	$20 + Cost
Miscellaneous over seas calls	$45.00
POS use International	$0.00
POS decline International	$2.50
Replacement of Lost Card	$55 Cost +$5

Prepaid

ATM withdrawal (local)	US $1.50
ATM withdrawal (international)	Min US$3.00 or % amr>$500
ATM withdrawal decline	US $1.00
Dormancy Fee	US$2.50 (every six (6)months
Activation Fee (one-time)	US$9.00
Load Fee	US$2.00
Daily Prepaid ATM with Limits	US$800.00

Gift Cards

Purchase price	NA
Daily Prepaid ATM with Limits	10.00

Classic EC Credit Card

	EC
Annual Fee – Primary Applicant	$125.00
Annual Fee – Co-Applicant	$75.00
Annual Fee – Staff	Free
Annual Fee – Co-Applicant	Free
Replacement of Lost Card	$35.00
Rush on Replacement of Lost Card	$55 Cost +$5
Late Payment Fee	$25.00
Over Limit Fee	$50.00
Duplicate Statement	$15.00
Return Cheque Fee (NSF)	$75.00

Classic US Credit Card

	US
Annual Fee – Primary Applicant	$50.00
Annual Fee – Co-Applicant	$30.00
Annual Fee – Staff	Free
Annual Fee – Co-Applicant	Free
Replacement Fee	$30.00
Change of Currency Fee	$20.00
Emergency Card Fee	$25.00
Late Payment Fee	$25.00
Over Limit Fee	$50.00
Statement	$15.00
Return Cheque Fee – NSF	$30.00

Cash Advance Fee

Cash Advance Fee for $500 and under	$10.00
Cash Advance Fee for over $500	2.00%

Business EC Credit Cards

	EC
Annual Fee – Primary Applicant	$175.00
Annual Fee – Co-Applicant	$75.00
Replacement Fee	$30.00
Change of Currency Fee	$30.00
Emergency Card Fee	$65.00
Late Payment Fee	$25.00
Over Limit Fee	$50.00
Duplicate Statement Fee	$15.00
Return Cheque Fee – NSF	$75.00

Business US Credit Cards

	US
Annual Fee – Primary Applicant	$70.00
Annual Fee – Co-Applicant	$30.00
Replacement Fee	$11.00
Change of Currency Fee	$11.00
Emergency Card Fee	$20.00
Late Payment Fee	$25.00
Over Limit Fee	$50.00
Statement Fee	$15.00
Return Cheque Fee	$30.00
Daily ATM Limit	US $2,000.00/EC $5,400

CHEQUING & RELATED CHARGES

Personal Cheque Books (24) -stamp duty $2.40 +s/charge $37.60	$40.00
Personal Cheque Books (48) -stamp duty $4.80 +s/charge $70.20	$75.00
Commercial Cheque Books (51) -stamp duty $4.80+ s/charge $70.20	$75.00
Commercial Cheque Books (102) -stamp duty$10.20 + s/charge $117.30	$127.50
Commercial Cheque Books (150) -stamp duty$15.00 + s/charge $172.50	$187.50
Commercial Chequing Account Service Charg	$24.30 min Includes 10 Free
Commercial ChqTransaction Fees – Debits	$1.15 per debit
Sale of Counter Cheques – Stamp duty $0.10,	$1.60
Commission	$1.50
Stop Payment / Local	$30.00
Stop Payment / Foreign Cheque	$193.18
Return Item Charge	$30.00
Return Item Charge (NSF)	$75.00
Excess Overdraft fee	Min $25 or 13% Overdrawn Bal
Overdrawing Chequing Account	Min $25 or 13% Overdrawn Bal
Overdrawing Chequing Account – Per Item	$30.00

COLLECTIONS

Bill For Collection Inward

Clean Collection (local cheque presented Bankoverseas)	$25 plus cost
Sight Draft (Payment Immediate)	$50 Min; ,$25,000 1%>$25,000.75%
Mature Bills (Payment according to terms)	$50 Min; ,$25,000 1%>$25,000.75%

Letter of Credit - Outward

Handling Fee – Sight & Tenor	1% up to $25M min $50 +3/4% on excess
(Opening Commission) Sight and up to 32 days sight – for the first 3 months or part thereof	1% for first $50,000 & 3/4% on excess (min$100.00)
In excess of 90 days	1/4% per 30 days or part thereof of tenor or acceptance or term of acceptance
Term – Opening Commission	1% + .25% for each month after 3 months 1/4% per month or part thereof min $75, max 1 yr from date credit originally established
Amendments – Extension	1/2 percentage commission to be based
Increase in amounts during validity	on that charge on establishment min $60
Other amendments	$60 + expenses
Processing commission	.625% ($50 Min)
Establishment	$25.00
Drawings	1% ($5 Min $25 Max)
Interest on Drawings	Cust.rate applied (min.12%)
Refund of cash cover	Buying rate of currency
Branch or correspondent Bank Charges	All related charges
Cancellation of L/C	$75.00

Letter of Credit - Inward

Confirming of Irrevocable Letter of Credit established by Correspondents/Banks	.5% ($75 min)
Advising of Inward Credits and amendments to inward credits	$50 / advice
Negotiating Charges – Sight Bills	Up to $25,000 -1% min $75 over 25m 3/4% min $100
Tenor drawing under Credits	discounting drawings otherwise instructed

DRAFTS

Managers Cheque – Commission	$10.00
Regional Currency Drafts	$20.00
US Drafts	$20.00
Other Foreign Currency Drafts	$20.00
Stop payments on foreign drafts	$225.68 EC
Instructions to prepare and mail drafts overseasA37 (fee does not include the cost of the cheque)	$20 + Cost
Instructions to prepare and mail drafts locally(charge levied in currency of account) ( fee does notinclude the cost of the cheque)	$10 + Cost

MERCHANT SERVICES

Set up Fee – POS	EC/US $150
Set up Fee – CenPos	$150.00
Monthly Rental	$50.00
Option to purchase terminal	US $550.00
Supplies( Paper)	$10.00
Discount Rates	2.95%-7%

MISCELLANEOUS SERVICES

Instructions to transfers of funds between accounts	$15.00
Rush Payment (Credit Card)	$10.00
Search for Vouchers	$50.00
Audit Confirmations	<5 Accounts $75; >5<10 $100; >10 $150
Certification of Balance of Account	$30.00
Statement of Interest Paid	$30.00
Letter / form (at customer’s request)	$30.00
Attorney-at-law queries – re estate accounts	$30.00
Attorney-at-law Letters – Delinquency	$50.00
Credit Reports at Request of Customer	$30.00
Credit Reports – Overseas	$30.00
Screen Print/Photocopy per page	$10.00
Photocopying	$5.00 per page
Coin Handling (Exchange for bills)	1% min $5 ( No account held)

NIGHT DEPOSITORY

Annual Rental
Short Term
Replacement/Additional Bags
Lost/ Broken head door key
Replacement Key

SAVINGS ACCOUNTS

Branch Withdrawals (Horizon 55 Free) (5 FreeDebit any Channel)	$2.00
Account closed within 3 months	$30.00
Account closed within 6 months	$30.00
Replacement of lost Pass book	$50.00
Request for Passbook	$50.00
Withdrawals without Passbook	$20.00
Third Party withdrawals (where allowed)	$20.00
Updating passbook from archives (after 6 months)	$20.00

SAFE KEEPING

Sealed Envelope / pk

$100.00

Sealed Packages

Small	NA
Large	NA
Locked Boxes trunks	$250.00

Safe Deposit Boxes

Small	$150.00
Medium	$175.00
Large	$300.00

STATEMENTS

Mailed Regularly	Free
Duplicate Statements (Chequing Accounts)	$15.00
Request to Hold Statements	$10.00
Activity Statement	$15.00 per sheet

STANDING ORDERS

Set up	$10.00
Internal	$10.00
External	$15.00

Wire Transfers (Outgoing)

Regional	$50.00
USD	$80.00
Europe	$80.00
Other	$100.00

Wire Transfers (Incoming)

To credit branch accounts	$23.08
To credit account at another local bank	$29.92
Returned wire payments incoming and outgoin	Cost
Tracers on wire transfers	$10 + Cost

PAYROLL CHARGES

Manual Processing not on us	$100.00 plus VAT
Manual Processing on us with cheque presented	$15.00 plus VAT (Per payroll run)
Manual processing on us with debit instructions	$25.00 plus VAT (per payroll) $29.25 to credit account within another bank (perbank)

EFT PROCESSING

File fee	$5.00 plus VAT per file
Batch fee	$2.50 Plus VAT per batch
up to 50 transactions	$1.00 Plus VAT per item
50 to 200 transactions	$0.80 Plus VAT per item
200 to 499 transactions	$0.50 Plus VAT per item
500+ transactions	$0.30 Plus VAT per item
Monthly payroll service charge	$ 30.00 Plus VAT monthly
Multifactor Authorization	$ 100.00 Plus VAT per user
Token Authorization	$ 300.00 Plus Vat per user (valid for 3 years)
Any salary recalls	$50.00 Plus VAT per recall
EFT Payroll Cancellation Fee	$ 75.00 Plus VAT per file cancellation
Late Payroll with Rush processing Service (manual)	$50.00 Plus VAT per payroll
Late Payroll with rush processing (Electronic)	$35.00 Plus VAT per payroll