retail deposit products of mtb

IntroducingMTB Deposit Products

Mujahidul KhanCustomer Service Executive

MTB Regular Savings Account

MTB Graduate Savings Account MTB Junior Savings Account

MTB Senior Savings Account

MTB Ruby Savings Account

MTB Inspire Savings Account

MTB Current Savings Account

MTB Privilege Savings Account

MTB Shanchay Savings Account

MTB Care Savings Account

MTB Ankur Savings Account

MTB NRB Savings Account

Savings Account(s)

Saving for the arrival of your baby, a new car, a well-deserved holiday, or simply for emergencies? Let our Savings Account meet all your saving needs through monthly and flexible savings. An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through Internet Banking and SMS banking.

Eligibility: Must be a citizen of Bangladesh Age should be 18 years or above

Features & Benefits: Wide network of branches Access to largest ATM fleet of the country Issue Debit Card Internet Banking and SMS Banking Cheque-book facility Opportunity to apply for safe deposit locker facility Collect foreign remittance in both T.C. & Taka draft. Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Account Maintenance Fee: No fees up to BDT 5000 on average balance BDT 100 on half yearly basis up to BDT 25,000 on average balance BDT 300 on half yearly basis above BDT 25,000 on average balance

Debit Card Features : For joint account debit card will be issued in case of either or survivor (any one can operate). Maximum two (2) debit card will be issued in case of Joint Account. If it needs two or more persons signature to withdrawal cash then Debit Card will not be issued.

Regular Savings Account

Account Particulars:

Required Documents: Bank’s prescribed AOF (signed by the applicant). 3 (Three PP size photographs of applicant(s) attested by bank official / any person acceptable to MTB. Copy of valid photo ID like; Passport/NID/Driving License etc. One PP size photograph of nominee attested by account holder.

Attributes SpecificationsMinimum A/C Opening Amount BDT 1,000Interest Rate 3.00%Interest Calculation Half yearlyInterest Payment Half yearly (Interest accrued less than BDT 200 will not be credited)Minimum Balance Required for Interest Not ApplicableMaximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 (Ten) TransactionsAccount Maintenance Fee BDT 300 (Half yearly)Debit Card Fee BDT 500+15%VATMinimum Balance Fee NilAccount Closing Fee BDT 200+15%VATCheque Book YesTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Regular Savings Account

A Current account is ideal for carrying out day-to-day business transactions. With the MTB Regular Current Account, you can access your account anytime, anywhere, pay using payable at par cheques or deposit cheque at any MTB bank branch.


Features & Benifits: Wide network of branches Access to largest ATM fleet of the country Issue Debit Card Internet Banking and SMS Banking Cheque-book facility Opportunity to apply for safe deposit locker facility Collect foreign remittance in both T.C. & Taka draft. Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Debit Card Features: Debit card will be issued only against proprietorship & partnership business. For joint account debit card will be issued in case of either or survivor (any one can operate). Maximum two (2) debit card will be issued in case of Joint Account. If it needs two or more persons signature to withdrawal cash then Debit Card will not be issued.

Current Savings Account


Required Documents:Individual’s Name: Bank’s prescribed AOF (signed by the applicant). 3 (Three PP size photographs of applicant(s) attested by bank official / any person acceptable to MTB. Copy of valid photo ID like; Passport/NID/Driving License etc. One PP size photograph of nominee attested by account holder.

Business Name: Valid Trade License TIN Certificate Partnership deed (In case of partnership business) Memorandum of articles (In case of limited company) By loge (In case of non profitable organization; like- Mosque, Madrasah etc.)

Attributes SpecificationsMinimum A/C Opening Amount BDT 1,500Account Maintenance Fee BDT 500 (Half yearly)Debit Card Fee BDT 500+15%VATMinimum Balance Fee NilAccount Closing Fee BDT 300+15%VATCheque Book YesTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Current Savings Account

NRB Savings Account

A Current account is ideal for carrying out day-to-day business transactions. With the MTB Regular Current Account, you can access your account anytime, anywhere, pay using payable at par cheques or deposit cheque at any MTB bank branch.

Eligibility: Any NRB who is between 18 to 65 years of old, residing abroad and engaged in any profession can open this account. The beneficiaries/nominees of NRBs will be also eligible to open NRB Savings A/C. The NRB must have valid residence visa/work permit.

Features & Benifits: - An interest bearing Taka account in which interest is paid twice a year. - No initial deposit is required for opening this account - 0.25% more interest than our Normal Savings Account - The intended persons not necessarily have to appear personally at the bank premises to open an Account. MTB with their own

initiative collect the necessary papers from the interested clients and arrange open the account. - Cheque Book and ATM Card are available for this account. - Free internet banking - Online banking facility across MTB Branches and access to largest ATM network

Debit Card Features: Debit card will be issued only against proprietorship & partnership business. For joint account debit card will be issued in case of either or survivor (any one can operate). Maximum two (2) debit card will be issued in case of Joint Account. If it needs two or more persons signature to withdrawal cash then Debit Card will not be issued.

NRB Savings Account


Attributes SpecificationsMinimum A/C Opening Amount NilInterest Rate 3.25%Interest Calculation Half yearlyInterest Payment Half yearly (Interest accrued less than BDT 200 will not be credited)Minimum Balance Required for Interest BDT 5,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 (Ten) TransactionsAccount Maintenance Fee BDT 300 (Half yearly)Debit Card Fee BDT 500+VAT p.a. (1st year free)Minimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book YesTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Required Documents for Account Opening Photo : 2 passport size •Nominee Photo : 1 pp size attested by account holder attestation on the reverse side.• Identification : Photocopy of Valid passport (6 pages) with due attestation. In case of foreign passport attested photocopy of ‘no visa required for travel to Bangladesh’ page required.-•Valid Visa : Entry VISA with due attestation. If it is in any other language other than English, no translation is required.•Address Proof : (If Any) - Resident Permit/ Work ID

We understand that starting college or university can be both exciting and challenging. That's why MTB Graduate, a contemporary savings account, is packed with everything you need to meet all your banking needs, offering monthly income while helping you save for future financial emergencies.

Eligibility: MTB Graduate is a savings account for college and university students who are 18 years and above.

Features & Benefits: Wide network of branches Access to largest ATM fleet of the country Issue Free Debit Card Internet Banking and SMS Banking Minimum Account Opening Balance is BDT 500 Opportunity to apply for safe deposit locker facility No Account Maintenance Fee Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Required Documents: Bank’s prescribed AOF (Signed by the Applicant). ID Card of the University/College. 3 (Three) PP size photographs of applicant(s) attested by the institution Authority / Bank Official / any person acceptable to MTB. Copy of valid photo ID like: Passport/NID/Driving License etc of Applicant. One PP size photograph of nominee attested by Applicant.

Graduate Savings Account


Attributes SpecificationMinimum A/C Opening Amount BDT 500

Interest Rates

Day End Balance Interest RateUp to BDT 20,000 3.25%Above BDT 20,000 & Up to BDT 50,000 3.35%Above BDT 50,000 3.50%

Interest Calculation Daily Basis on EOD Account BalanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 1,000Maximum Allowed Debit Transaction(s) Per Month to Qualify For Interest 4 (Four) Transaction(s)Account Maintenance Fee No FeeDebit Card Fee No FeeMinimum Balance Fee NilAccount Closing Fee BDT 200 + 15% VatCheque Book No Cheque Book will Be IssuedTAX Deduction on Interest As per Income TAX (IT) RulesExcise Duty & Vat As per National Board of Revenue (NBR) Rules

Operation Mode Single or Joint (In case of Joint Account Both A/C Holder's age should be Under 18 Years

Graduate Savings Account

We know how important it is to plan for your child's financial security. MTB has the solution to help you do that while showing the virtue of saving, in your child. MTB Junior is a savings account for minors that offer the opportunity to save for today and the future.

Eligibility: MTB Junior is a savings account for school and college students below 18 years.

Features & Benefits: Wide network of branches Access to largest ATM fleet of the country Issue a Free Debit Card in the Name of Account Holder’s Guardian Internet Banking and SMS Banking Minimum Account Opening Balance is BDT 100 Opportunity to apply for safe deposit locker facility No Account Maintenance Fee Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Required Documents: Bank’s prescribed AOF (Signed by the Applicant). ID Card of the School/College. 3 (Three) PP size photographs of applicant(s) attested by the institution Authority / Bank Official / any person acceptable to MTB. Intimation of Guardian as per bank’s prescribed AOF (Individual information form duly signed by guardian). 3 (Three) copies PP size photographs of the guardian. Copy of valid photo ID like: Passport/NID/Driving License etc of Guardian. One PP size photograph of nominee attested by Guardian.

Junior Savings Account


Attributes SpecificationMinimum A/C Opening Amount BDT 100Interest Rates 4.00%Interest Calculation Daily Basis on EOD Account BalanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 1,000 Per Day BalanceMaximum Allowed Debit Transaction(s) Per Month to Qualify For Interest 4 (Four) Transaction(s)

Account Maintenance Fee No FeeDebit Card Fee No FeeMinimum Balance Fee NilAccount Closing Fee BDT 200 + 15% VatCheque Book No Cheque Book will Be IssuedTAX Deduction on Interest As per Income TAX (IT) RulesExcise Duty & Vat As per National Board of Revenue (NBR) Rules

Operation Mode Single or Joint (In case of Joint Account Both A/C Holder's age should be Under 18 Years Note: whenever the A/H become Major (18 Years Old) the Account will be Terminated or Converted to Regular Savings A/C Upon Customer's Request

Junior Savings Account

Care Savings Account

MTB Care, a unique proposition of MTB, is a savings product for children with special needs. Through this product, special needs children will get assistance from branches in opening and maintaining the account at a lower cost compared to other savings products. This is also MTB’s commitment towards helping special children to have access to banking services.

Eligibility: Any Bangladeshi with photo ID document as applicable for savings account. The account will always require a guardian who will operate the account along with

the account holder, when he/she has no mental capacity to sign

Required Documents: Bank’s prescribed AOF (signed by the applicant) Two PP size photographs of applicant(s) attested by bank official / any person acceptable to MTB Copy of valid photo ID like, Passport, NID, Driving License, school ID etc (any one of the ID will be sufficient along with ID of the Guardian) One PP size photograph of nominee attested by Applicant. Separate Individual Information Form duly fill up by legal guardian & joint account holder One PP size photograph of legal guardian

Features & Benefits: Wide network of branches Access to largest ATM fleet of the country No Debit Card will be Issued Internet Banking and SMS Banking Free cheque books** (**First 3 (three) cheque books will be free of cost (FOC)) No Account Maintenance Fee Online banking service Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer


Attributes SpecificationsMinimum A/C Opening Amount BDT 500Interest Rate 3.75.00%Interest Calculation On Monthly Average BalanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 5,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 TransactionsAccount Maintenance Fee No Account Maintenance FeeDebit Card Fee No Debit Card will be IssuedMinimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book Cheque Book will be IssuedTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint Names with Parent

(NB: One person can be nominated by the guardian for each account. Guardian, with written instruction, may change the nominee any time.)

Care Savings Account

Today, when all savings accounts are offering similar services, how would you choose the one that is right for you? Is there a savings account that adds more value to your money and convenience to your daily banking needs? Sure, there is one that meets your expectations.

MTB Inspire provides a range of enhanced services, while letting you enjoy unique benefits of getting return on your deposit monthly instead of traditional half yearly. With extra access and convenience of banking, enjoy the full convenience of a savings account and access your savings anytime.


Required Documents: Bank’s prescribed AOF (Signed by the Applicant). 3 (Three) PP size photographs of applicant(s) attested by the institution Authority / Bank Official / any person acceptable to MTB. Copy of valid photo ID like: Passport/NID/Driving License etc of Applicant. One PP size photograph of nominee attested by Applicant.

Features & Benefits: Wide network of branches Access to largest ATM fleet of the country Issue Free Debit Card for First Year Internet Banking and SMS Banking Cheque-book facility Opportunity to apply for safe deposit locker facility Collect foreign remittance in both T.C. & Taka draft. Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Inspire Savings Account


Attributes SpecificationsMinimum A/C Opening Amount BDT 10,000

Interest Rate

Day End Balance Interest RateBelow BDT 0.1 million 3.25%BDT 0.1 million to below BDT 0.5 million 3.50%BDT 0.5 million to below BDT 1.0 million 3.75%BDT 1.0 million and above 4.00%

Interest Calculation Day basis on EOD account balanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 15,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 (Ten) TransactionsAccount Maintenance Fee BDT 300 (Half yearly)Debit Card Fee BDT 500 + VAT (Free for 1st year)Minimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book YesTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Inspire Savings Account

Are you seeking a banking style that complements your status?

MTB Senior has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and deserve special attention. We like to empower our senior citizens, so that they can carry out their day-to-day banking transactions independently, and with dignity and confidence. Now the true pleasure of seniority in your grip!

Eligibility: Must be a citizen of Bangladesh Age should be 60 years or Above


Features & Benifits: Wide network of branches Access to largest ATM fleet of the country Life Time Free Debit Card Internet Banking and SMS Banking Free cheque books** (**First 3 (three) cheque books will be free of cost (FOC)) Opportunity to apply for safe deposit Discount Locker facility Collect foreign remittance in both T.C. & Taka draft. Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Senior Savings Account



Interest Rate

Day End Balance Interest RateBelow BDT 0.1 million 3.50%BDT 0.1 million to below BDT 0.5 million 3.75%BDT 0.5 million to below BDT 1.0 million 4.00%BDT 1.0 million and above 4.00%

Interest Calculation Day basis on account balanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 15,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest UnlimitedAccount Maintenance Fee BDT 300 (Half yearly)Debit Card Fee Lifetime freeMinimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book Yes (First 3 (three) cheque books will be free of cost )Tax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Senior Savings Account

MTB Shanchay, a savings product for the “Base of the Pyramid”. Low income group who don’t manage their finance due to the lack of available banking facilities; opening the product would help minimize their financial risks.

Eligibility: Any Bangladeshi Citizen Age should be 18 years or above


Features & Benefits: Wide network of branches Access to largest ATM fleet of the country Issue Debit Card Internet Banking and SMS Banking No Cheque book Facility No Account Maintenance Fee Cash withdrawal option: Only through withdrawal slip and Debit Card. Online banking service Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer

Shanchay Savings Account


Attributes SpecificationsMinimum A/C Opening Amount BDT 10Interest Rate 4.00%Interest Calculation On Monthly Average BalanceInterest Payment Half yearlyMinimum Balance Required for Interest BDT 5,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 Transactions

Account Maintenance Fee No Account Maintenance FeeDebit Card Fee BDT 500+VATMinimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book No Cheque Book will be IssuedTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Shanchay Savings Account

MTB Ruby enables today’s independent women to enjoy hassle-free banking services. Besides the core MTB banking advantage, MTB Ruby, an exclusive savings account for women, is packed with special benefits for our women customers. Enjoy your present and plan for the future, with this rewarding savings account.

Eligibility: Any Bangladeshi female citizen Age should be 18 years or above


Features & Benifits: Wide network of branches Access to largest ATM fleet of the country Issue Free Debit Card for the 1st year Internet Banking and SMS Banking Cheque book Facility Opportunity to apply for safe deposit Locker facility Collect foreign remittance in both T.C. & Taka draft. Transfer of fund from one branch to another by Demand Draft /Telegraphic Transfer Online banking service

Rubi Savings Account


Attributes SpecificationMinimum A/C Opening Amount BDT 10,000

Interest Rates

Day End Balance Interest RateUp to BDT 5 Lac 3.25%Above BDT 5 Lac & Up to BDT 20 Lac 3.50%Above BDT 20 Lac 3.75%

Interest Calculation Daily Basis on EOD Account BalanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 10,000 Per DayMaximum Allowed Debit Transaction(s) Per Month to Qualify For Interest 5 (Five) Transaction(s)Account Maintanance Fee BDT 300 (Half Yearly)Debit Card Fee First Year FreeMinimum Balance Fee NilAccount Closing Fee BDT 200 + 15% VatCheque Book Cheque Book will Be IssuedTAX Deduction on Interest As per Income TAX (IT) RulesExcise Duty & Vat As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint

Rubi Savings Account

Privilege Savings Account

Benefits: Prioritized & specialized services at Exclusive Privilege Banking Lounge Dedicated Relationship Manager Customized Debit card & Cheque Book Personalized Banking services Pre Approved Credit Card Greater Cash Access Limits at ATM/POS terminals Discount on locker Service Free SMS Banking, Internet Banking and Phone Banking Waive of fees on various products & service 24/7 Dedicated Call Center Service

Services: Complimentary Access to Airport Lounge Complimentary Airport Limousine Service Complimentary Airport Meet & Greet from terminal to immigration or vice versa Customized Health care privileges in Appollo Hospitals, Square Hospitals. Special Recognition on Birthday, Anniversary or any other special day. Get Special Discount with our partners (Restaurants, Word class Hotels, Resorts, Health club etc.)

Becoming a Member:Eligibility: Any Bangladeshi Citizen maintaining a minimum balance of deposit of BDT 40 lac and above. Individual's Current account, Savings Account and FD will be considered.

Joint Account: Joint account in privilege banking are encouraged to open with two members; if the joint account is of three or above, and then maximum two

accountholders will get the privilege benefits.

Privilege Savings Account


Interest Rate

Day End Balance Interest RateUp to BDT 0.5 million 3.25%Above BDT 0.5 million and up to BDT 1.5 million 3.50%Above BDT 1.5 million and up to BDT 2.5 million 3.75%Above BDT 2.5 million 4.00%

Interest Calculation Day basis on account balanceInterest Payment MonthlyMinimum Balance Required for Interest BDT 50,000Maximum Allowed Debit Transaction(s) per Month to Qualify for Interest 10 (Ten) transactions

Account Maintenance Fee No feeDebit Card Fee No feeMinimum Balance Fee NilAccount Closing Fee BDT 300+VATCheque Book Yes, Privilege cheque book will be issuedTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR) RulesOperation Mode Single or Joint


Required Documents: Bank’s prescribed AOF (signed by the applicant). 3 (Three PP size photographs of applicant(s) attested by bank official / any person acceptable to MTB. Copy of valid photo ID like; Passport/NID/Driving License etc. One PP size photograph of nominee attested by account holder.

MTB Ankur

MTB ANKUR” a savings account for Street Urchin and Working Children which will be operated by designated official of associated NGOs (Custodial Account)

Eligibility: Street Urchin and Working Children age below 18 years Referred by NGO’s those are affiliated with MTB

Required Documents: Bank’s prescribed AOF (signed by the applicant) � Two PP size photographs of applicant(s) attested by NGO official � Copy of valid birth certificate of the applicant � One PP size photograph of account operators � Individual information form duly fill up by NGO officials � Special instruction form duly fill up �

Features & Benifits: Minimum account opening balance: Tk 10 � Interest on daily balance � Interest payment: half yearly � No account maintenance fee� Free cheque book� No Debit Card will be Issued Account will be operated by designated officials of associated NGOs (Custodial Account)�

MTB Ankur Account

Attributes SpecificationsMinimum A/C Opening Amount BDT 10Interest Rate 4.00%Interest Calculation On Daily Average BalanceInterest Payment Half yearlyMaximum Allowed Debit Transaction(s) per Month to Qualify for Interest 04 TransactionsAccount Maintenance Fee No Account Maintenance FeeMinimum Balance Fee NilAccount Closing Fee BDT 200+VATCheque Book Cheque Book will be IssuedTax Deduction on Interest As per Income Tax (IT) RulesExcise Duty & VAT As per National Board of Revenue (NBR)

Rules


MTB Ankur Account

Thank You Happy Customer Service

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