Tariff Guide

Tariff Guide

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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 Accounts
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 Int’l 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
$135.01 – $999.00
$1000.00 – $1500.00 (max.)
3.75% or EC$2.00 (minimum)
EC $5.00
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 totaling $5,000.00 and above
Daily cash deposits totaling $10,000.00
(Every $1,000.00 above the $10,000 cash deposit will attract an additional $5.00 charge)

Foreign Currency Transactions:

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

Citizen by Investment Program – enhanced Due Diligence Charge
½% or 1% on value of CIP application or funds transferred

REGULAR SAVINGS ACCOUNT
Interest rate 2% paid quarterly (amended)
Withdrawals and Deposits at the branch Free
Withdrawals and Deposits at the ATM Free
Minimum monthly balance to avoid service charge $500.00
Minimum Opening Value $20.00
Monthly Service Charge $2.00
1st STEP SAVINGS ACCOUNT
Interest rate 2.25% paid monthly (amended)
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 (INDIVIDUALS)
Interest rate 2.75% paid monthly (amended)
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 SENIOR CITIZENS ACCOUNT
Interest rate 2.25% paid monthly (amended)
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)

No overdrawn balances permitted on all savings accounts.

OTHER FEES APPLICABLE TO SAVINGS ACCOUNTS
Early closure of account (within six months of opening date) $25.00
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 1-5 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
Debit/withdrawal/cheque entries to account $1.00 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
200 pages – cost
OTHER FEES APPLICABLE TO CHEQUING ACCOUNTS
Early closure of account (within six months of opening date) $25.00
Charge for certifying balance of savings 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 1-5 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
VISA BUSINESS CREDIT CARD
Interest rate 19.5% per annum
Cash advance fees 2% minimum $8.00
Annual fee $400.00 first year
$200.00 subsequent years
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 – Heritage Gold account holders Free
ATM fees – 1st National Bank ATMs Free
ATM fees – other bank ATMs (local and overseas) $5.00 plus network fees
Point of sale merchants – locally Free
Point of sale merchants – regional and international 2% of transaction amount
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 – Savings & Chequing account holders Free
Annual Fee – Alpha & Heritage Gold 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

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