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Tarrif Guide 2014

Fees on Savings Accounts
Regular Savings
1st Step Savings 
Bonus Savings 
1st Heritage Savings

Fees on ATM Cards
1st Cashpoint ATM Card

Fees on Current Account
Personal Chequing 
Business Chequing

Fees on Card Services
Visa Classic 1st Credit Card
Visa Gold Classic 1st Credit Card
Visa Business 1st Credit Card


Fees on International Debit Cards
Visa International 1st Debit Card

 

                          Pricing at the Bureau de Change G.F.L. Charles Airport
                                            Commission Rates

All local transactions will be charged EC$5.00 (Per transaction)

Savings withdrawals(Maximum $1500.00)
Savings deposits
Chequing  account deposits
Cheque encashments

Foreign Currency Transactions:

EC Dollar Equivalent                        Commission

  • $1.00 - $135.00                       3.75% or EC$2.00 (Minimum)
  • $135.01 - $999.00                    EC $5.00
  • $1000.00 - $1500.00 (Max.)      0.5%

 
Charges to take effect as of February 01, 2016

  • Minimum charge of $250.00 for processing Bank Guarantee.      
  • Premature closure – 1% reduction on existing rate being paid.

  • Bonds, guarantees & indemnities without full cash collateral   
    • Up to $25,000.00- 1.5% or minimum $250.00
    • Over $25,000.00 - 0.75% or minimum $250.00

  • Bonds, guarantees & indemnities with full cash collateral
    • Up to $50,000 - $250.00 per annum
    • over $50,000.00 - $500.00 per annum

  • Customs Bonds on Personal Effects      -   1% or minimum $250.00
  • Performance Bonds  -                           -   1.5% p.a. or Mininum $250.00

                                  Pricing at the Marigot Bay Branch
                                            Commission Rates

The following local transactions will be charged EC$5.00

  • Daily cash withdrawals totalling $5, 000.00 and above
  • Daily cash deposits totalling $10, 000.00

(Every $1000.00 above the $10, 000 cash deposit will attract an additional $5.00 charge)

Foreign Currency Transactions:

EC Dollar Equivalent                        Commission
  • $1.00 - $135.00                        3.75% or EC$2.00 (Minimum)
  • $135.01 - $999.00                    EC $5.00
  • $1000.00 and above                 0.5%


Citizen by Investment Program – enhances Due Diligence Charge                    

½% or 1% on value of CIP application or funds transferred.

Regular Savings Account

Interest rate

2% paid quarterly

Withdrawals and Deposits at the branch

Free

Withdrawals and Deposits at the ATM

Free

Minimum opening value

$20.00

Monthly Service Charge

$2.00

   


1st Step Savings Account

Interest rate

2.25% paid monthly

Withdrawals and Deposits at the branch

Free

Withdrawals and Deposits at the ATM

Free

Minimum monthly balance to avoid service charge

N/A

Minimum opening value

$20.00

Monthly service charge fee if account falls below minimum

N/A

Account is for use of minors up to the age of 18 years. Thereafter account will be converted to regular savings account where standard features will apply.



Bonus Savings Account

Interest rate

2.75% paid monthly

Withdrawals and Deposits at the branch

Free

Withdrawals and Deposits at the ATM

Free

Minimum monthly balance to avoid service charge

$5,000.00

Minimum opening value

$5,000.00

Monthly service charge fee if account falls below minimum $5.00

If balance falls below minimum, interest rate for Regular Savings Account will apply



1st Heritage Account

Interest rate

2.75% paid monthly

Withdrawals and Deposits at the branch

Free

Withdrawals and Deposits at the ATM

Free

Minimum monthly balance to avoid service charge

N/A

Minimum opening value

$1,000.00

Monthly service charge fee if account falls below minimum

N/A

An account for the use of citizens of legal retirement age (65 years and over)


Other Fees Applicable to Savings Account

Early closure of account (within six months of opening date)

$25.00, 1% reduction on existing rate being paid.

Charge for certifying balance of savings account

$25.00

Replacement of passbook (Alpha and Heritage Gold exempted)

$30.00

No passbook transaction

$10.00

Use of ATM – all transactions

Free

Mobile banking

Free

Internet banking

Free

Statement (printout) of account

$5.00 per sheet

Third party withdrawals (Heritage Gold exempted)

$5.00

Bill payments at the branch

Free

Letters to Embassies, Consulates, Credit Confirmations etc.

$25.00

Search for vouchers:

Dated within 1 year

Dated within 1 year but less than 5 years

Dated over 5 years

 

$15.00 per item

$25.00 per item

$50.00 per item



Personal Chequing Accounts

Monthly Service Charge

Minimum - $5.00

Withdrawals at the branch

$0.75 per entry plus stamp duty.

Deposits at the branch

Free

Internet Banking

Free

Mobile Banking

Free

Minimum monthly balance to avoid service charge

N/A

Minimum opening value

$100.00

Overdraft Facility

Applicable to account

Cheque books

25 pages    -       Cost

50 pages    -       Cost

100 pages  -       Cost



Business Chequing Accounts

Monthly Service Charge

Minimum - $7.50

Withdrawals at the branch

$1.00 per entry plus stamp duty

Deposit at the branch

Free

Internet Banking

Free

Mobile Banking

Free

Minimum monthly balance to avoid service charge

N/A

Minimum opening value

$100.00

Overdraft Facility

Applicable to account

Cheque books

25 pages    -       Cost

50 pages    -       Cost

100 pages  -       Cost

200 pages  -       Cost



Other Fees applicable:

Early closure of account (within six months of opening date)

$25.00

Charge for certifying balance of chequing account

$25.00

NSF Charge

$50.00

Stop payments

$25.00 per item

Withdrawal of instructions letter

$10.00

Duplicate or additional statements

$15.00 per month requested

Banker’s Report or Audit Confirmation

$50.00

Statement (printout) of account

$5.00 per sheet

Credit Reports to other businesses, banks etc

$50.00

Bill payments at the branch

Free

Letters to Embassies, Consulates, Credit Confirmations etc.

$25.00

Search for vouchers:

Dated within 1 year

Dated within 1 year but less than 5 years

Dated over 5 years

 

$15.00 per item

$25.00 per item

$50.00 per item  



Visa Classic Credit Card

Interest rate

19.5% per annum 

Cash Advance Fees

2% minimum $8.00

Annual Fee

$100.00

Additional Card (co-applicant)

$50.00

Replacement Card

$25.00

Late payment fee

$50.00

Over the limit fee

$50.00

Gold  Classic Credit Card

Interest rate

19.5% per annum 

Cash Advance Fees

2% minimum $8.00

Annual Fee

$150.00

Additional Card (co-applicant)

$75.00

Replacement Card

$25.00

Late payment fee

$50.00

Over the limit fee

$50.00



Visa Business Credit Card

Interest rate

19.5% per annum 

Cash Advance Fees

2% minimum $8.00

Annual Fee – 1st year

$400.00

Annual Fee – subsequent years

$200.00

Additional Card

$165.00

Replacement Card

$25.00

Late payment fee

$50.00

Over the limit fee

$50.00



Other Credit Card Fees

Emergency Card

$50.00

Return Cheque Fee

$80.00

Limit Increase Fee

$35.00

Immediate Payment

$20.00

Statement History Request (minimum)

$25.00

Decline for Insufficient Funds

$2.50



International Debit Card -VISA Debit Card

Annual Fee  

$20.00

Annual Fee – 1st Heritage account holders

Free

ATM Fees – 1st National Bank ATMs

Free

ATM Fees – At ATMs of other banks (local and overseas)

$5.00 plus network fees

Point Of Sale Merchants - Locally

Free

Point Of Sale Merchants - Regionally, International and online

2% of transaction amount minimum $2.00

Replacement Card

$25.00

Stolen Card

Free

Point Of Sale or ATM Decline Insufficient Funds
outside St. Lucia

$2.50

International Debit Cards are not issued on 1st Step Savings and Business Accounts


ATM Card

Interest rate

N/A

Annual Fee – 1st Step and 1st Heritage account holders

Free

ATM Fees – 1st National Bank ATMs only

Free

Replacement Card

$25.00

 

Transfers Outward - Telegraphic Transfers / SWIFT

SWIFT/Cable/Telex Charge

(Caribbean Region and USA) ……… $75.00
Other Countries        ………………...$100.00

© 2012. 1st National Bank, St. Lucia. All Rights Reserved.