Fees and Charges
Please note that the information shown does not include all of our fees and service charges. Requests for additional information on charges can be made at any branch of First Citizens Bank Ltd.
Fees and Charges
Learn more about our Fees and Charges from First Citizens.
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01
- Savings Account 02
- Chequing Account 03
- Debit Cards 04
- Credit Cards 05
- Safety Deposit Box and Safekeeping 06
- Loans and Advances 07
- Local and International Payments 08
- Daily Limits Assigned 09
- Dormant and Escheated Accounts 10
- Central Processing Services 11
- Non-Stop Depository Facilities 12
- Term Deposits
| Savings Account | Fees |
|---|---|
| Interest calculated on the daily balance and paid quarterly in (March, June, September, and December) | |
| Minimum Opening Balance | Youth Account – $50.00 Regular Savings – $300.00 Fifty-Plus – $5,000 Super Saver – $1,000.00 Min. |
| Minimum Balance Fee | (– $3.00) for Balance on regular savings below $300.00 (– $1.00) for Balance on youth savings below $50.00 |
| Accounts closed within 3 months of opening | $35.00 |
| Chequing Account | Fees |
|---|---|
| Available for Personal and Corporate Accounts | Minimum Opening Balance of $500.00 |
| Processing Cheques (per cheque) | Personal (first six (6) cheques free monthly) $1.00 Corporate (first six (6) cheques free monthly) $1.00 |
| Processing Deposits | Personal FREE Corporate $1.00 |
| Minimum Monthly Account Service Fee | Personal $5.00 Corporate $10.00 |
| Debit Cards | Fees |
|---|---|
| (Existing Magstripe Debit Card) | Card Issue (Account opening) FREE Replacement lost/damaged card $20.00 Replacement stolen card (on presentation of Police Report) FREE Usage at First Citizens ATM FREE Usage at other Bank’s ATM $1.50 Point-of-Sale Transactions $.25 Online Banking FREE |
| Visa Debit Card | Debit Card at Local FCB ATM Balance inquiry -FREE Cash withdrawal – FREE Debit Card at other Bank ATM Balance inquiry – $0.00 Cash Withdrawal – $3.00 Cash Withdrawal Decline – $0.00 Debit Card at international ATM Balance Inquiry – $0.00 Cash Withdrawal – $5.00 Cash Withdrawal Declined – $0.00 Debit Card at Local Point of Sale (POS) – FREE Debit Card at international Point of Sale (POS) – FREE Replacement Card – FREE |
| Card Type | Annual Membership Fees | Replacement Fees | Over Limit Fees | Emergency Upload Fees |
|---|---|---|---|---|
| VISA Classic | $50.00 | $25.00 | $55.00 | Credit Card $25.00 |
| VISA Gold | $80.00 | $40.00 | $55.00 | |
| VISA Platinum | $300.00 | $50.00 | $60.00 | |
| VISA Business | $100.00 | $60.00 | $100.00 | |
| MasterCard Standard | $50.00 | $25.00 | $55.00 | |
| Late Payment Fee | $50.00 | |||
| MasterCard Prepaid Card | $50.00 | $25.00 | Prepaid Card $25.00 | |
| MasterCard Prepaid Additional Card | $25.00 | |||
| Master Card Prepaid Initial load | 1% of load amount | |||
| Master Card Prepaid Reload | 1% of load amount |
| Safety Deposit Boxes and Safekeeping | Fees |
|---|---|
| Safety deposit boxes available at Broad Street Fees are charged annually and pro-rated from date of rental | |
| Customers are allowed 2 free visits per month | $5.00 for each additional visit. |
| 1 ½”x 5” | $100.00 + VAT or part thereof |
| 3”x 5” | $150.00 + VAT or part thereof |
| 5”x 5” | $200.00 + VAT or part thereof |
| 10”x 15” | $400.00 + VAT or part thereof |
| Replacement Key | $25.00 + cost |
| Box Drilled open | $200 + cost of drilling, replacing locks etc |
| Listing of contents | $80 + out-of-pocket expenses |
| Late fees | $5.00 per month or part thereof |
| Estate opening of box | $100.00 |
| SafeKeeping: | Please contact us with your specific requirements. |
| LOANS and ADVANCES | Fees |
|---|---|
| Excess Overdraft Fee: | |
| $100 – $999.99 | $25.00 |
| $1,000 – $9,999.99 | $200.00 |
| $10,000 – $19,999.99 | $350.00 |
| Over $20,000 | $500.00 |
| Overdraft: | |
| Returned Cheque (NSF/Irregularity) | $40.00 |
| MISCELLANEOUS: (Statements and Confidential Reports) | |
| Duplicate Statement | $20.00 + VAT |
| Interim Statement (screen history) | $5.00 per page |
| Confidential Reports | $30.00 + VAT |
| Special Letters (Non-Standard) | $35.00 + VAT |
| Sundry: | |
| Audit Confirmations & Voucher Search: | |
| Current Year | $50.00 |
| 1-2 Year | $75.00 |
| 3-5 Years | $150.00 |
| 6 Years and over | $300.00 |
| Faxes – (FCBB customers only): | |
| Local | $10.00 |
| C’bean | 25.00 |
| USA including Canada & P.R. | $40.00 |
| Europe | $50.00 |
| Middle/East | $70.00 |
| Transaction under Advice | $5.00 |
| Photocopies | $5.00 |
| Coin Handling | 2% Minimum $5.00 |
| Stop payment (personal/corporate FCBB cheques only) | $20.00 |
| Information on Accounts | $20.00 |
| Cheques Printer’s charge stamp duty/commission | |
| Third Party Withdrawals | $10.00 |
| Over the counter transactions | Youth – Free Others – $3.00 |
| Local and International Payments | Fees |
|---|---|
| Local Drafts: | |
| Local Drafts | $15.00 + stamp duty |
| Stop Payment | $20.00 + stamp duty |
| Replacement Draft | Stop payment charge + sale charge + stamp duty |
| International Drafts: | |
| International Drafts | $15.00 + stamp duty |
| Stop Payment | $50.00 + stamp duty |
| Replacement Draft | Stop payment charge + sale charge +stamp duty |
| RTGS and Telegraphic Transfers: | |
| RTGS transfers | $15.00 |
| Outgoing telegraphic transfer CARICOM (Wire fee +commission | $70.00 |
| Outgoing telegraphic transfer – Other | $95.00 |
| Outgoing telgraphic transfer (at remitter’s request)* | $35.00 |
| Incoming telegraphic transfer fee* | $5.00 |
| Incoming telegraphic transfer returned | $50.00 |
| DAILY LIMITS ASSIGNED (In Domestic Currency Equivalent) BBDs | Fees |
|---|---|
| Maximum Domestic ATM | $3,000.00 |
| Maximum Domestic Point of Sale (POS) | $5,000.00 |
| Maximum ATM Deposit | N/A |
| Online transfer between same First Citizens Account Holder | N/A |
| Online transfer between different First Citizens Account Holders | $10,000.00 |
| Online transfer to accounts at other Financial Institutes and Sure Pay | $15,000.00 |
| Maximum Bill Pay | N/A |
| Dormant and Escheated Accounts | Fees |
|---|---|
| Dormant Activation fee | Free |
| Inactive Notices | $1$10 per year per account |
| Escheatment | $20 per year per account |
| CENTRAL PROCESSING SERVICES | Fees |
|---|---|
| Standing Orders | Set-Up (valid for one (1) year only) $30.00 |
| Processing Standing Orders | Loan Credit FREE All Others (per order plus costs) $10.00 |
| Direct Debits | Set-Up (valid for one (1) year only) $30.00 Service Charge $1.00 per debit |
| Non-Stop Depository Facilities | Fees |
|---|---|
| Annual fee | $250.00 + VAT |
| Disposable bags | $50.00 for 50 bags |
| Damaged bags | $5.00 |
| Short term rentals | $50.00 |
| Term Deposits | Fees |
|---|---|
| Please ask one of our Financial Service Representatives about our interest rates. |
Disclaimer:
Please note that the information shown does not include all of our fees and service charges. Requests for additional information on charges can be made at any branch of First Citizens Bank Ltd.
