- الخميس، 07 آذار/مارس 2013
Investrust Bank Plc is committed to providing outstanding value for money, cost effective and efficient products and services to its customers.
Our major strengths lie in our ability to provide quick and efficient products and services, enhanced security for cash handling for staff, flexible business hours and available special arrangements for extended banking hours for some customers on request.
The Bank is geared to give your institution personalized and efficient products and services. Some of the products and services we offer throughout our branch network are:
TYPES OF ACCOUNTS
This is an account designed for individuals and corporate entities with no minimum balance requirements. Charges on this account are fixed, allowing the client to budget ahead of time for their banking costs.
CHEQUE SAVERS ACCOUNTS (ZMW)
1. This is a special current account which allows unrestricted operations. 2. The minimum balance on the account is K1, 000,000 for corporate entities and K500, 000 for individuals. 3. The Bank issues a chequebook for this account. 4. The account is an interest bearing account, paid per annum on balances above the minimum balance. 5. A free monthly statement is provided. 6. Free withdrawals through any of our branches and free transfers between our branches.
FOREIGN CURRENCY ACCOUNTS
The Bank offers Foreign Currency Call and Fixed deposit accounts in the following currencies; US-Dollar, British Pounds (GBP), South African Rand (ZAR) and the Euro (EUR). Unlike most banks in the market we offer competitive interest rates on these accounts. The minimum balance for a foreign currency account is US$500 or equivalent. The bank charges an account maintenance fee every month. For current accounts the Bank will issue the customer with a cheque book.
FIXED DEPOSIT ACCOUNT
The minimum balance for these accounts is K1, 000. The Bank offers competitive market interest rates on all deposit accounts. Interest rates can be negotiated for larger amounts with a minimum investment period ranging from 30 days to 365 days.
SOLE PROPRIETOR ACCOUNT
1. No minimum balance. 2. K200 opening balance only. 3. It comes with a Cheque book. 4. ATM card is also available for sole traders. 5. Accessible across branch network.
Quick access to loans
SME KANTEMBA USD ACCOUNT
1. No minimum balance. 2. Opening balance USD 300.00 balance only. 3. It comes with a Cheque book. 4. ATM card is also available for sole traders. 5. Accessible across branch network. 6. Access to credit facilities. 7. Maintenance fee- USD 10 or equivalent.
1. Minimum balance of K30.00 only. 2. K20 monthly maintenance fees. 3. Competitive interest accrued on daily balance payable monthly. 4. Visa Green Card. 5. Accessible at any of our branches. 6. Used as a salary account as well as for ordinary savings.
This product has been targeting famers from all parts of the country. This product has made possible affordable banking to all our farmers for whom main stream banking is expensive. Features:
1. K10.00 opening balance. 2. No Maintenance fee. 3. No Debit transaction fee. 4. No Cheque book. 5. K10 Minimum Balance. 6. Free Monthly statement. 7. VISA Green Card is available. 8. Farmer ID card . 9. Mobile Alerts. 10.Exempt from going dormant.
CHEQUE ACCOUNT PERSONAL
1. K25 ledger fees charged . 2. A minimum balance of K500.00 for individuals. 3. Flexible business hour structure. 4. No restrictions on number of withdrawals. 6. Has a cheque book. 7. Interest paid on balances of K500 and above. 8. Goes with an ATM card as well.
CURRENT ACCOUNT PERSONAL
1. No minimum balance required 2. Opening balance of K 500 only 3. Access to loan facilities 4. Has a cheque book 5. Goes with an ATM card as well. 6. No restrictions on number of withdraws. 7. No charge on cheque book usage.
INVESTRUST PREMIUM ACCOUNT1. Minimum balances for K500.00. 2. Competitive interest at 7% p.a. 3. The higher the account balance the more you earn. 4. Interest accrued daily and credited monthly. 5. No limit on withdrawals . 6. No monthly service fee on balances of K300.00 and above . 7. Account accessible at any of our branches. Instant access to cash through the debit card.
INVESTRUST WEALTH BUILDER1. Minimum balance of K2,000.00. 2. Attractive interest rate currently at 8% p.a. 3. The higher the account balance the more you earn. 4. Interest accrued daily and paid at the end of the month. 5. 2% annual bonus will apply on balance above K2,000 if maintained for one year. 6. Account accessible at any of our branches . 7. One withdrawal per month . 8. No account closure within 12 months of opening.
EAZE SAVEThe EazeSave account targets Individuals. The account opening procedures for EazeSave will include the standard KYC requirements for Individual accounts. The EazeSave account will help individuals grow their deposits monthly. 1 K100.00 minimum balance. 2 No monthly account management fee. 3 One free Withdrawal every 90 days. 4 Fee for withdrawing more than once in 90 days pegged at 1% of the withdrawn amount. Minimum fee K50.00 maximum K100.00. 5 No over the counter withdrawal fee. 6 No debit card available. 7 8% per annum interest paid on deposit amounts below K10,000.00, 10% paid on amounts of K10,000.00 and over. 8 Monthly payment of interest. 9 No monthly account statements fee.
EAZE BUSINESSThe EazeBusiness account is targeted at the less informal sector, such as market traders. The EazeBusiness account will help those in the informal sector, such as marketeers to access affordable banking services in an environment where such services are costly. 1. K50.00 minimum balance. 2. K10.00 monthly account management fee. 3. K10 fee for over the counter withdrawal . 4. No debit card available . 5. No overdraft facility. 6. No monthly account statements fee.