As at June 30th, 2019

Credit Related Fees Frequency Value
Application fees:
Retail accounts – $0.00 – $499,999.00 Per facility $3,000
Retail accounts – $500,000.00 – 9,999,999.00 Per facility $4,000
Retail accounts – $10,000,000.00 and above Per facility $5,000
Commercial accounts – $0.00 – $5,000,000.00 Per facility $5,000
Commercial accounts -$5,000,001 – $20,000,000.00 Per facility $10,000
Commercial accounts -$20,000,001 – $50,000,000.00 Per facility $15,000
Commercial accounts -$50,000,001 and above Per facility $20,000
Processing fee:
$0.00 – $499,999.00 Per facility $1,500
$500,000.00 – 9,999,999.00 Per facility $3,000
$10,000,000.00 and above Per facility $3,500
Commitment fees:
Retail & Commercial Per facility 0.25% – 1.0%
Low income loans Per facility 0.50%
Minimum charge Per facility $2,000
Late fees:
Retail Loans Per facility $2000
Commercial Loans Per facility $3500
Low income mortgages Per facility $500
Others Per facility $2,000
Interim / temporary Overdraft: (new / increased) Per facility 1.00%
Temporary on expired lines (documentary deficiency) Per facility $30,000
Re – negotiation / restructure fee Per transaction $5,000
Collection fee Bailiff’s fee
Issuance (Bonds / Guarantees) Per transaction 0.25% to 1.0% of the sum
Collateral / appraisal visits Per visit $2,000
Overdraft facility in excess of approved limit 3% additional to the rate charge
Non submission of financials (6 months after ending of fiscal year) 3% additional to the rate charge
Facilities drawn down before security is perfected – Commercial facilities Of unsecured amount being disbursed 0.50%
Minimum charge $10,000
Maximum charge $200,000
Mortage Interest Relief $2,000
Insurance payment fee Per transaction $5,000
Anticipatory interest if payoff is done within 1 year 6 months
if payoff is done after 1 year 3 months
Savings Accounts (Jackpot, Excell, Money Market) Frequency Value
Minimum balance threshold $1,000
Duplicate statement for current period Per page $300
Duplicate statement for over 1 year Per page $500
Voucher search Per unit $500
Accounts closed within 30 days: $1,500
Accounts closed within 90 days: $1,000
Accounts closed within 180 days: $500
Standing order Per transaction $700
Standing order – NSF Cancellation after 3 months $1,000
Hold mail fee Monthly $200
Hold mails (over 90 days) Monthly $1,500
Dormant account charges Monthly $300
Power of Attorney Authorisation Per transaction $5,000
Third party withdrawal Per transaction $1,000
Below Minimum balance Monthly $300
Foreign Currency Accounts Frequency Value
Duplicate statement for current period Per page USD 5
Duplicate statement for over 1 year Per page USD 5
Voucher search Per hour USD 5
Accounts closed within 90 days – Personal USD 15
Accounts closed within 90 days – Corporate USD 25
Standing order Per transaction USD 5
Standing order – NSF Cancellation after 3 months USD 5
Transfer between accounts to cover cheques Per transaction USD 5
Hold mails (over 90 days) Monthly USD 10
Dormant account charges Monthly USD 5
Power of Attorney Authorisation Per transaction USD 25
Third party withdrawal Per transaction USD 5
SERVICE FEES 2018
Current Accounts (DDA & NOW) Frequency Value
Minimum balance threshold
Minimum balance violation fee Monthly $500
Minimum interest on an overdrawn account Monthly $2,500
Cheque book fee – personal 30 leaves $4,700
60 leaves $9,400
90 leaves $14,000
Cheque book fee – corporate 50 leaves $5,500
100 leaves $11,000
200 leaves $22,000
Returned cheques – “Refer to Drawer” Per unit $2,000
Temporary cheque leaf Per unit $500
Use of uncollected funds Per transaction $2,000
Duplicate statement for current period Per page $300
Duplicate statement for over 1 year Per page $500
Reprint of cheque Per unit $300
Voucher search Per unit $500
Account closed within 1 month $1,500
Account closed within 3 months $1,000
Account closed within 6 months $500
“STOP” payment order Per transaction $1,500
Debit to account via Debit Advice Per transaction $1,000
Standing order Per transaction $700
Standing order – NSF Cancellation after 3 months $1,000
Transfer between accounts Per transaction $1,000
Sweep charges Per transaction $700
Hold mail fee Monthly $200
Hold mails (over 90 days) Monthly $1,500
Dormant account charges Monthly $300
Power of Attorney authorisation Per transaction $5,000
Encashment of third party cheques Per transaction $500
Encashment of other commercial bank cheques Per transaction $500
Safe deposit boxes Frequency Value
Rental of boxes – 3 x 5 x 24 Per annum $8,000
Rental of boxes – 5 x 5 x 24 Per annum $9,000
Rental of boxes – 3 x 10 x 24 Per annum $11,000
Rental of boxes – 5 x 10 x 24 Per annum $14,000
Rental of boxes – 10 x 10 x 24 Per annum $25,000
Non – residents opening requirements – 2 years must be prepaid Per annum Same as respective boxes
Rental rebates No rebates
Cost of forcing box and replacing lock $10,000
Access fee Per visit $500
Night Depository Frequency Value
Rental of bags Per annum $10,000
Lost / damaged bags Per item $5,000
Replacement trap door key Per key $3,000
Canister / box deposits Monthly $5,000
Disposable deposit bag Per item $250
Funds Transfer Frequency Value
Outward EFT Per transaction $100
Manager’s cheque Per unit $1,500
Incoming wire transfer Per transaction USD 18
Outgoing wire transfer Per transaction $5,500
Foreign drafts Per unit $2,500
RTGS Transactions Frequency Value
Outward RTFS Per transaction $500
Debit cards (Local) Frequency Value
ATM transactions Per transaction $60
Enquiry
ATM Card Per unit $600
Cardholder (wallet) Per item $125
Utility payments Frequency Value
Guyana Telephone & Telegraph Per transaction $42
Guyana Power & Light Per transaction $45
U Mobile Per transaction $45
Guyana Water Inc. Per transaction $45
Other services Frequency Value
Credit reports – Same day On first account + $500 for each additional account $4,000
Credit reports – Next day On first account + $500 for each additional account $3,000
Embassy statements – Same Date On first account + $500 for each additional account $4,000
Embassy statements – Next day On first account + $500 for each additional account $3,000
Bank reference letters – Same day On first account + $500 for each additional account $4,000
Bank reference letters – Next day On first account + $500 for each additional account $3,000
Auditors’ confirmation – Current Year Per confirmation letter $3,000
Auditors’ confirmation – Previous Years Per confirmation letter $4,000
Special letters – Same day On first account + $500 for each additional account $4,000
Special letters – Next day On first account + $500 for each additional account $3,000
Certificate of interest earned / paid for Income tax purposes – Current period Per certificate issue $3,000
Certificate of interest earned / paid for Income tax purposes – Prior period Per certificate issue $4,000
Letter of undertaking Per annum $2,000
Payroll and dividend payments Per transaction $100
Breaking time deposit before maturity Per certifcate of deposit $2,000
Debit / credit advice Per transaction $1,000
Charges for investigations Per investigation $2,000
POS cash advances Per transaction $2,000
Merchant Charge Monthly $3,000
Credit
Credit Related Fees Frequency Value
Application fees:
Retail accounts – $0.00 – $499,999.00 Per facility $3,000
Retail accounts – $500,000.00 – 9,999,999.00 Per facility $4,000
Retail accounts – $10,000,000.00 and above Per facility $5,000
Commercial accounts – $0.00 – $5,000,000.00 Per facility $5,000
Commercial accounts -$5,000,001 – $20,000,000.00 Per facility $10,000
Commercial accounts -$20,000,001 – $50,000,000.00 Per facility $15,000
Commercial accounts -$50,000,001 and above Per facility $20,000
Processing fee:
$0.00 – $499,999.00 Per facility $1,500
$500,000.00 – 9,999,999.00 Per facility $3,000
$10,000,000.00 and above Per facility $3,500
Commitment fees:
Retail & Commercial Per facility 0.25% – 1.0%
Low income loans Per facility 0.50%
Minimum charge Per facility $2,000
Late fees:
Retail Loans Per facility $2000
Commercial Loans Per facility $3500
Low income mortgages Per facility $500
Others Per facility $2,000
Interim / temporary Overdraft: (new / increased) Per facility 1.00%
Temporary on expired lines (documentary deficiency) Per facility $30,000
Re – negotiation / restructure fee Per transaction $5,000
Collection fee Bailiff’s fee
Issuance (Bonds / Guarantees) Per transaction 0.25% to 1.0% of the sum
Collateral / appraisal visits Per visit $2,000
Overdraft facility in excess of approved limit 3% additional to the rate charge
Non submission of financials (6 months after ending of fiscal year) 3% additional to the rate charge
Facilities drawn down before security is perfected – Commercial facilities Of unsecured amount being disbursed 0.50%
Minimum charge $10,000
Maximum charge $200,000
Mortage Interest Relief $2,000
Insurance payment fee Per transaction $5,000
Anticipatory interest if payoff is done within 1 year 6 months
if payoff is done after 1 year 3 months
Savings
Savings Accounts (Jackpot, Excell, Money Market) Frequency Value
Minimum balance threshold $1,000
Duplicate statement for current period Per page $300
Duplicate statement for over 1 year Per page $500
Voucher search Per unit $500
Accounts closed within 30 days: $1,500
Accounts closed within 90 days: $1,000
Accounts closed within 180 days: $500
Standing order Per transaction $700
Standing order – NSF Cancellation after 3 months $1,000
Hold mail fee Monthly $200
Hold mails (over 90 days) Monthly $1,500
Dormant account charges Monthly $300
Power of Attorney Authorisation Per transaction $5,000
Third party withdrawal Per transaction $1,000
Below Minimum balance Monthly $300
FX Accounts
Foreign Currency Accounts Frequency Value
Duplicate statement for current period Per page USD 5
Duplicate statement for over 1 year Per page USD 5
Voucher search Per hour USD 5
Accounts closed within 90 days – Personal USD 15
Accounts closed within 90 days – Corporate USD 25
Standing order Per transaction USD 5
Standing order – NSF Cancellation after 3 months USD 5
Transfer between accounts to cover cheques Per transaction USD 5
Hold mails (over 90 days) Monthly USD 10
Dormant account charges Monthly USD 5
Power of Attorney Authorisation Per transaction USD 25
Third party withdrawal Per transaction USD 5
DDA
SERVICE FEES 2018
Current Accounts (DDA & NOW) Frequency Value
Minimum balance threshold
Minimum balance violation fee Monthly $500
Minimum interest on an overdrawn account Monthly $2,500
Cheque book fee – personal 30 leaves $4,700
60 leaves $9,400
90 leaves $14,000
Cheque book fee – corporate 50 leaves $5,500
100 leaves $11,000
200 leaves $22,000
Returned cheques – “Refer to Drawer” Per unit $2,000
Temporary cheque leaf Per unit $500
Use of uncollected funds Per transaction $2,000
Duplicate statement for current period Per page $300
Duplicate statement for over 1 year Per page $500
Reprint of cheque Per unit $300
Voucher search Per unit $500
Account closed within 1 month $1,500
Account closed within 3 months $1,000
Account closed within 6 months $500
“STOP” payment order Per transaction $1,500
Debit to account via Debit Advice Per transaction $1,000
Standing order Per transaction $700
Standing order – NSF Cancellation after 3 months $1,000
Transfer between accounts Per transaction $1,000
Sweep charges Per transaction $700
Hold mail fee Monthly $200
Hold mails (over 90 days) Monthly $1,500
Dormant account charges Monthly $300
Power of Attorney authorisation Per transaction $5,000
Encashment of third party cheques Per transaction $500
Encashment of other commercial bank cheques Per transaction $500
Others
Safe deposit boxes Frequency Value
Rental of boxes – 3 x 5 x 24 Per annum $8,000
Rental of boxes – 5 x 5 x 24 Per annum $9,000
Rental of boxes – 3 x 10 x 24 Per annum $11,000
Rental of boxes – 5 x 10 x 24 Per annum $14,000
Rental of boxes – 10 x 10 x 24 Per annum $25,000
Non – residents opening requirements – 2 years must be prepaid Per annum Same as respective boxes
Rental rebates No rebates
Cost of forcing box and replacing lock $10,000
Access fee Per visit $500
Night Depository Frequency Value
Rental of bags Per annum $10,000
Lost / damaged bags Per item $5,000
Replacement trap door key Per key $3,000
Canister / box deposits Monthly $5,000
Disposable deposit bag Per item $250
Funds Transfer Frequency Value
Outward EFT Per transaction $100
Manager’s cheque Per unit $1,500
Incoming wire transfer Per transaction USD 18
Outgoing wire transfer Per transaction $5,500
Foreign drafts Per unit $2,500
RTGS Transactions Frequency Value
Outward RTFS Per transaction $500
Debit cards (Local) Frequency Value
ATM transactions Per transaction $60
Enquiry
ATM Card Per unit $600
Cardholder (wallet) Per item $125
Utility payments Frequency Value
Guyana Telephone & Telegraph Per transaction $42
Guyana Power & Light Per transaction $45
U Mobile Per transaction $45
Guyana Water Inc. Per transaction $45
Other services Frequency Value
Credit reports – Same day On first account + $500 for each additional account $4,000
Credit reports – Next day On first account + $500 for each additional account $3,000
Embassy statements – Same Date On first account + $500 for each additional account $4,000
Embassy statements – Next day On first account + $500 for each additional account $3,000
Bank reference letters – Same day On first account + $500 for each additional account $4,000
Bank reference letters – Next day On first account + $500 for each additional account $3,000
Auditors’ confirmation – Current Year Per confirmation letter $3,000
Auditors’ confirmation – Previous Years Per confirmation letter $4,000
Special letters – Same day On first account + $500 for each additional account $4,000
Special letters – Next day On first account + $500 for each additional account $3,000
Certificate of interest earned / paid for Income tax purposes – Current period Per certificate issue $3,000
Certificate of interest earned / paid for Income tax purposes – Prior period Per certificate issue $4,000
Letter of undertaking Per annum $2,000
Payroll and dividend payments Per transaction $100
Breaking time deposit before maturity Per certifcate of deposit $2,000
Debit / credit advice Per transaction $1,000
Charges for investigations Per investigation $2,000
POS cash advances Per transaction $2,000
Merchant Charge Monthly $3,000