AB স্বাচ্ছন্দ্য is a current account with deposit slab-based interest facility. This account also provides Unsecured Overdraft Facility (for Salaried Customers only).
Features
Any individual Bangladeshi Citizen aged above 18 years can open this account. Joint Account is also allowed
Initial Deposit for Account Opening – Minimum 1,000 Taka
Balance Requirement for earning Interest – Minimum 25,000 Taka
Attractive Interest Rate for Deposit Balance with slab-based interest
Higher interest for higher slab deposit balance
Interest calculated daily and applied quarterly
Free Internet Banking
Additional Features
Dual Currency Debit Card
Free Debit Card and SMS Service for 1st Year (if initial deposit for Account Opening is Tk. 25,000 or above)
ATM transaction limit max Tk. 2,00,000 per day
Overdraft Facility
Eligibility : Service Holders/Salaried Persons only with Indivdual AB স্বাচ্ছন্দ্য Account and Salary Account holders of any bank. (Bankers, Employees of Govt. & autonomous body, Employees of NBFI, Employees of Local Corporate bodies, Multinational Companies, NGOs, Airlines, Private Universities, Schools and Colleges, International Aid Agencies, Telecommunication, RMG and UN bodies)
Collateral : Not Required
Maximum Limit : Up to 60% of the monthly net receivable salary amount (Maximum 5 Lacs Taka)
Tenure : Maximum one year. (renewable)
Interest frequency : Interest calculated daily and applied quarterly
Pre-conditions for Overdraft
Minimum net receivable salary should be BDT 20,000 per month
Last 3 months Bank statement of Payroll/Salary Account in any Bank with reflection of 03 salaries
* Other terms and conditions applied
Govt. Tax and Excise Duty
Tax at Source and Excise duty at the end of every year will be applicable
Income Tax shall be applicable from the date of Tax Return Receipt submission
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