KEY FACT STATEMENT JS Bank Limited, _______ Branch, _______City. Date DD-MM-YYYY Key Fact Statement for Deposit Accounts IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks You have the right to receive KFS from other banks for comparison. Account Types & Salient Features : This information is accurate as of the date above. Services, fees and mark up rates may change. For updated fees/charges, you may visit our website or visit our branches. Particulars LCY Current Accounts (Individual) Currency Minimum Balance for Account To open To keep Average Min Balance to Avail FOC services as per product features JS Premium Current Account 1.00/- 100,000/- 150,000/- 100,000/- 50,000/- 25,000/- 0 0 100/- 0 1.00/- 1,000/- JS Asaan Current Account JS Premier Raabta Current Account JS Elite Plus Current Account JS Elite Current Account JS Rupee Current Account JS Rupee Basic Banking Account JS Freelanc- ers Current Account PKR Account Maintenance Fee Free for all accounts Benefits With Average Balance Without Average Balance Titanium MasterCard Debit Card Annual Fee 4 Free Pay orders MasterCard Gold Debit Card Annual Fee 4 Free cheque book each year of up to 100 leaves Free Return Cheque Demand Draft and Pay Order Issuance Counter Cheques Collection Cheque (Local) Telex / Postage Small Locker N/A Waiver on Online Ecommerce Transaction s (up to 5000) N/A No Account Maintenanc e Charges 2 free deposit transactions 2 free checking withdrawals per month Electronic Proceeds Realization Certificate (EPRC) 2 Free Pay Orders 4 Cheque Books per year (25 pages) Titanium MasterCard Debit card Annual Fee Non JS Bank ATM - Cash Withdrawal Fee SMS Alerts Pay Orders 1st Cheque Book Free Non JS Bank ATM - Cash Withdrawal Fee Free SMS Alerts for first 3 months MasterCard Gold Debit Card Annual Fee N/A First Cheque Book Free Internet Banking Fee Waiver on Online Purchases Free E-Statement Free Wallet and Mobile snatching, Cash Withdrawal and Personal Accidental/Perma nent Total Disability Insurance to all Elite and Elite Plus customers on maintenance of a monthly period end balance of Rs. 25,000/-
Transcript
KEY FACT STATEMENT
JS Bank Limited, _______
Branch, _______City.
Date DD-MM-YYYY
Key Fact Statement for Deposit Accounts
IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks You have the right to receive KFS from other banks for comparison.
Account Types & Salient Features :This information is accurate as of the date above. Services, fees and mark up rates may change. For updated fees/charges, you may visit our website or visit our branches.
Particulars
LCY Current Accounts (Individual)
Currency
Minimum Balancefor Account
To openTo keep
Average Min Balance to Avail FOCservices as per product features
Free Return ChequeDemand Draft and Pay Order IssuanceCounter ChequesCollection Cheque (Local)Telex /
PostageSmall Locker
N/A
Waiver on Online
Ecommerce Transaction
s (up to 5000)
N/A
No AccountMaintenanc
eCharges2 free deposit
transactions2 free
checkingwithdrawalsper month
Electronic Proceeds
Realization Certi�cate
(EPRC)
2 Free Pay Orders
4 Cheque Books per year (25 pages)
Titanium MasterCard Debit card Annual Fee
Non JS Bank ATM -
Cash Withdrawal
FeeSMS AlertsPay Orders
1st Cheque Book Free
Non JS Bank ATM -
Cash Withdrawal
FeeFree SMS Alerts for
�rst 3 months
MasterCard Gold Debit
Card Annual Fee
N/A
First Cheque
Book Free
Internet Banking
Fee Waiver onOnline
PurchasesFree
E-Statement
Free Wallet and Mobile snatching, Cash Withdrawal
and Personal Accidental/Perma
nentTotal Disability Insurance to all
Elite and Elite Plus customers on
maintenance of a monthly period
end balance of Rs. 25,000/-
KEY FACT STATEMENT
JS Bank Limited, _______
Branch, _______City.
Date DD-MM-YYYY
Key Fact Statement for Deposit Accounts
IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks You have the right to receive KFS from other banks for comparison.
Account Types & Salient Features :This information is accurate as of the date above. Services, fees and mark up rates may change. For updated fees/charges, you may visit our website or visit our branches.
Particulars
LCY Current Acount(Business)
FCY SavingsAccounts and TDRLCY Savings Accounts and TDR FCY
Current Account
Currency
Minimum Balancefor Account
To openTo keep
Average Min Balance to Avail FOCservices as per product features
Is Pro�t Paid on account?Subject to the applicable tax rate
MonthlyHalf Yearly Quarterly
5.50% 5.50-6.0% 0.10% 0.10%Yes Yes Yes Yes
Pro�t Payment Frequency (PLS Saving, pro�t is paid outon 6 monthly basis, for Rupee Plus, the same is calculateddaily but paid out monthly)
Example (For every PKR 1,000/-)(Rupee Plus calculations are based on 5.50%)
Premature/Early Encashment/Withdrawal Fee
Indicative Pro�t Rate. (%)
N/A
Nill
Nill
N/A
2 Counter Cheques
per month2 Collection
Cheque (Local) per
monthRetained
Mail Stop
PaymentIssuance of
P.O/D.DCheque Book
2 Counter Cheques
per month2 Collection
Cheque (Local) per
monthRetained
Mail Stop
PaymentIssuance of
P.O/D.DCheque Book
Yes5.50%
7/15 Days, 1/3/6 Months,1/2/3/5
Years
Rs. 1.05 (7 days),Rs. 2.26 (15
days),Rs. 4.52 (1
month),Rs. 12.32 (3
moths),Rs. 24.66 (6
months),Rs. 47 (1 year),Rs. 92 (2 years),
Penalty is applicable on
early encashment for Deposits 1
year and beyond
USD 0.41 (1 month), USD
1.60 (3 months),
USD 4.19 (6 months),
USD 9.50 (1 year)
Rs. 4.52/- USD 0.25/-Rs. 27.12/-
1/3/6 Months &
1 Year
KEY FACT STATEMENT
You Must Know
I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENTCustomer Name:Product Chosen:Mandate of account:
Address
Contact No:
Customer Signature
Single/Joint/Either or Survivor
Mobile:
Date
Email:
Signature veri�ed
Requirements to open an account: To open the account you will need to satisfy some identi�cation requirements as per regulatory instructions and banks' internal policies. These may include providing documents and information to verify your identity. Such information may be required on a periodic basis. Please ask us for more details.
Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan. Accordingly, you should be writing cheques with utmost prudence. Bank shall charge return cheque charges as per SOC.
Safe Custody: Safe custody of access tools to your account like ATM cards, PINs, Cheques, e-banking usernames, passwords; other personal information, etc. is your responsibility. Bank cannot be held responsible in case of a security lapse at the customer’s end. JS Bank will never call you to inquire about you personal and �nancial information.
Record updation: Always keep pro�les/records updated with the bank to avoid missing any signi�cant communication. You can contact (021/051) 111-654-321 to update your information.
What happens if you do not use this account for a long period? If your account remains inoperative for 12 months, it will be treated as dormant. If your account becomes dormant, kindly visit your nearest JS Bank branch with original CNIC to reactivate your account. Charges applicablefor previously active services as per SOC.
Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962 all deposits which have not been operated during the period of last ten years, except deposits in the name of a minor or a Government or a court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions as per provisions of law. The surrendered deposits can be claimed through the respective banks. For further information, please contact . [Provide relevant contact points of the bank].
Closing this account: In order to close your account, please submit a written application and surrender any unused chequebooks and ATM card at the Bank.
How can you get assistance or make a complaint?JS Bank Limited, Shaheen Commercial Complex, Dr. Ziauddin Ahmed RoadP.O. Box 4847, Karachi-74200 Sindh, PakistanTel : 021 111 654 321Helpline: 021 111 654 321Email: [email protected]: www.jsbl.com
Service Charges:
Services Modes
Intercity
Intra-city
Own ATM withdrawal
Other Bank ATM
ADC/Digital
Clearing
For other transactions
Paypak
Gold
Titanium
Platinum
Issuance
Stop payment
Banker Cheque
Foreign Demand
Wire Transfer
Annual
Half Yearly
Duplicate
ADC/Digital Channels
Others
Internet Banking
Mobile Banking
Normal
Intercity
Same day
Customer request
CashTransaction
SMS Alerts
Debit Cards
ChequeBook
Statementof Account
FundTransfer
DigitalBanking
Clearing
Closure ofAccount
Remittance(Local)
Remittance(Foreign)
Free for all accounts
Rs. 500/- per transaction if average balance is below Rs.50,000/- (Excluding all LCY Current Accounts)
Free on JS Bank ATMs
Rs. 18.75/- (Non JS Bank ATM - Cash Withdrawal Fee) unless waived as per product features
Free
Free
Rs. 1800/- unless waived off as per product features
Free
Free
Free
Rs. 1200/- unless waived off as per product features
Rs. 1600/- unless waived as per product features
Rs. 2500/- unless waived as per product features
Rs. 5000/- unless waived as per product features
Rs. 30 per leaf (if average balance is below Rs. 50,000/-) Rs. 15 per leaf (for �rst cheque book or if average balance is above Rs. 50,000/-) unless free to avail as per product features
Rs. 650/- for one cheque Rs. 1,000/- for multiple cheques in a cheque book/entire cheque book For LCY, USD 5/- per cheque
Rs. 350/- against account. Rs. 1500/- against cash
USD 10/- equivalent plus additional 0.50 % (minimum USD 20/-)
USD 8/- or Rs. 1,000/- whichever is higher
0.1% or Rs. 200, whichever is lower through Mobile and Internet Banking
Rs. 35 per statement
Over the Counter: Rs. 200/- for amount up to Rs. 500,000/- Rs. 300/- for amount between Rs. 500,001/- to 1,000,000/- Rs. 1,000/- for amount more than Rs. 1,000,000/-
Rs. 500 per transaction if average balance is below Rs.50,000/- (Excluding all LCY Current Accounts)
Rs. 500/- per cheque unless free to avail as part of product features
