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Frequently Asked Questions : Individual Current Account

What is the Minimum Amount Required to Open an Individual Current Account?

N10, 000 only

What is the Maximum Turnover Expected?

There is no maximum turnover

What is the Minimum Threshold Balance Required?

Zero

When are these Charges Taken?

	Charge	Frequency
COT	Free	N/A
COT	N1/mille	Monthly

Can Customers Issue Draft on the Account?

Yes. Account maintenance fee of N1/mille will apply.

Is There a Limit to Which I Can Make Withdrawals on this Account?

There is no restriction on the number of withdrawals for this account.

What Kind of Cheque Book is Issued?

A customized cheque book which is valid for clearing.

As an Account Holder, Can I Get an Overdraft Facility on My Account?

Yes, overdraft facility is available to customers that meet the bank’s Risk Assessment Criteria.

What are the Charges on this Account?

E-channels fee, SMS, and Account maintenance fee.

Can I Run this Account as a Joint Account?

Yes

What is the Segment Market for Individual Current Account?

This is an account developed to suit the needs of individuals, Professionals etc.

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