All fees listed are only applicable to Antigua & Barbuda. Please see the Schedule of Fees for Grenada here.

Account Fees

Account Fees

CHEQUING ACCOUNTS (EC$ & US$)
(BUSINESS & PERSONAL)

Minimum To Open

$500

Monthly Service Charge

$20

Per Item charge (whether debit or
credit to account)

$1.50 per item

Deposit books (personalized)

$10 + Cost

Cheque Books

$5 + Cost + Stamp Duty

Unauthorized Overdraft Interest

16% min $35

Overdraft Administration Fee

$30.00 per cheque

Dishonoured Cheque

$30 per Cheque

NSF Returned Cheque

$100

Overdraft Protection - Excess Fee

5% or minimum
$100


* Charges for USD accounts will be applied in USD currency.
SAVINGS ACCOUNT

Minimum To Open

$100

Interest Rate

2% p.a.

Minimum Balance to Avoid Fees and Earn Interest

$100

Charge For Minimum Balance Violation (Per Month)

$10

Third-Party Transactions

$15

Closure of Dormant Account

$25

In-branch transactions

2 Free $5 thereafter

JUNIOR SAVINGS
ESTABLISH STRONG SAVING HABITS EARLY

Minimum Opening Balance

$100

Minimum Balance to Avoid Fees and Earn Interest

$100

Interest Rate

2.25% p.a.

GOLDEN SAVINGS
SAVE TOWARDS THAT SPECIAL GOAL

Minimum Opening Balance

$100

Monthly Deposits Must be in Multiples of

$100

Interest Rate

2.25% p.a.

Minimum Balance to Avoid Fees and Earn Interest

$100

Early Withdrawal Penalty

$50 or Interest Earned
(whichever is higher)


* WITHDRAWALS ONLY AFTER 12 CONSECUTIVE MONTHLY DEPOSITS
FREEDOM 55

Minimum To Open

$10,000

Interest Rate

2.1%

Minimum Balance to Avoid Fees and Earn Interest

$10,000

Charge For Minimum Balance Violation (Per Month)

If the balance falls below the minimum, the account will be treated as a regular savings account and all benefits paused. 

Closure of Dormant Account

$25

In-branch transactions

2 Free $5 thereafter

Deposit Fees

Deposit Fees

Small Boxes

$200 per year

Medium Boxes

$300 per year

Large Boxes

$350 per year

Extra Large Boxes

$400 per year

Number of visits free per month

2

Additional charge per visit exceeding 2 per month

$20

Night Deposit Services (Annual Fee)

$200

Night Deposit Disposable Bags:
- Small
- Medium
- Large


$150
$250
$275

Night Deposit Wallet Fees:
- First Wallet
- Additional Key
- Additional Wallet


$250
$75
$150

Replacement of Lost/Stolen/Broken Keys

$75 + Cost

Lost/Damaged Wallets

$250

Night Deposit Cancellation

Non-refundable

Minimum Opening Balance

$5,000

Interest Rate

1.0% - 1.4%

Term

1 Year

Early Termination

Interest Paid on months completed over 90 days.
Interest forfeited if terminated before 90 days

Document Fees

Document Fees

Statement

$10 per page, per month

Duplicate Statement

$10 per page, per month

Certification of balance/Reference letter

(including letters to embassies)

$50

E-Statements

Free

Statement of interest Paid for Income Tax Purposes

$50

Set-up Fee

$5

Insurance Premiums, Club Dues etc.

$30 + Stamp Duty

Cash Management

$5

Amendment

$10

Electronic Internal Transfer Request

$20

Current Year

$50

1 Year prior to Current Year

$60

2 Years prior to Current Year

$75

3 Years prior to Current Year

$100

4 Years prior to Current Year

$200

5 Years Prior to Current Year

$200

In excess of 5 Years prior to Current Year

$250

Credit Bureau / Overseas Bank

$50 + Airmail/ Telex

Credit Reports

$50

Transfer Fees

Transfer Fees

Local/ Managers Draft

$30.20

Issuing replacement Local Draft/ Managers Cheques

$50

International Money Orders Drafts

- Foreign Drafts Purchased in any currency
- Replacement of Foreign Drafts


$30.20 + Correspondent Bank Charges

$120.20 + Correspondent Bank Charges

Payments for Collection, etc. paid for in cash, cheque etc. of same currency

1% Commission + Correspondent Bank Charges

Tracers on Drafts/ Money Orders

$100 + Correspondent Bank Chargers

Forward Exchange Contracts

$100 per contract, 0.5% Loading on rate

Cashing / Negotiating / Foreign Cheques / Drafts

Min $20.20 + 1%

Travelers Cheques cashed in USD

USD $20.20 per item

Cheques drawn outside of Correspondent Bank Network

Min US$50 / EC$135 + Other Bank Charges

Transfer between Accounts

Free

Check Balances

Free

Bill Payment (per transaction Vendor)

$1

E-Statements

Free

To the Caribbean

$55-online or via app/ $65 - in branch + Correspondent Bank Charges

To the United States

$100-online or via app / $120 - in branch + Correspondent Bank Charges

To Canada

$100 + 0.75%-online or via app / $120 + 0.75%  -in branch of Transaction Amount + Correspondent Bank Charges

To the Rest of the World

$100-online or via app / $120 in branch + Correspondent Bank Charges

Incoming:

To own account
To pay another account


$25

$30

Early Account Closure:

Within 30 days
Within 90 days
Within 180 days
After 180 days

$60

$50

$40

No Charge

Third-party Fee Payments made over-the-counter that require the third-party triplicate voucher (payable by vendor)

$5

Stop Payments (on customers accounts)

$50

Voucher / Other Search

$50 per hour, subject to minimum $50

Transfer within Territory

$15

Large cash deposits / withdrawals (In-Branch)

0.2% on accounts of $5,000 or more per day

Coins supplied

1.25%

Notice for Inactive / Dormant Accounts

$15 p.a

Incoming Telephone / Email / Fax request

$20

Reactivation of Dormant Account Deposit

$10

Fax / Email message at Customers request

$50

Cheque Cashing Fee (Non-Account holder)

$3 per cheque

Returned Cheques Charge

$50 + Foreign Bank Charge

Immediate credit of cheque proceeds

$15

Photocopy per page or duplicate receipt

$5

Business Services Fees

Business Services Fees

Late transmission of payroll file

$100

Electronic Option:
- Operational Charge (per payroll run)

$15 + $1.00 per employee paid for ACB Caribbean Customers.

Cash Payroll

0.1% subject to Minimum of $30

Discount Fee

Negotiable

Additional Training at Customers request

$150 per one-hour session

Rental of Machine

1)$30 monthly rent for Dial & Internet
2)$60 monthly rent for GPRS Terminals (there is an additional fee to the service providers $48 -$50 monthly for the sim. )

Card Fees

Card Fees


CLASSIC

GOLD

Annual Fee

$0

$0

Replacement Card

$35

$50

Emergency Card

$35

$50

Additional Card

$35

$50

Monthly Maintenance Fee

N/A

N/A

Transaction Fee (ACB ATMs)

$0

$0

Transactions Fee (Other Banks ATMs)

2% Minimum $10

2% Minimum $10

Transaction Fee (POS Terminals)

$0

$0

Cash Advances (Other Banks)

2% Minimum $10

2% Minimum $10

ATM Denial Fee (Other Banks)

$1.50

$1.50

ATM Balance Enquiry

$1.50

$1.50

Currency Conversion Fee

1%

1%

PayPal Credits

$15

$15

ATM withdrawals

+ $1 for all offsite ATMs

+ $1 for all offsite ATMs

CLASSIC CREDIT CARDS

VISA CLASSIC (XCD)

VISA GOLD & MASTERCARD (XCD)

Membership Annual Fee (Primary)

$100

$150

Membership Annual (Additional)

$50

$75

Replacement Card 

$25

$25

Emergency Card Fee

$50

$50

Cash Advance Fee

2% Minimum $10

2% Minimum $10

Over Limit Fee

$50

$50

Immediate Credit

$15

$15

Late Payment Fee

$45

$45

Minimum Payment

5% Minimum $20

5% Minimum $20

Statement Reprint (Only One)

$15

$15

Statement History (More Than One)

$25

$25

Change of Currency of Account

$25

$25

Annual Interest Rates

19.50%

annually without rewards; 21% annually with rewards.

19.50% 

annually without rewards; 21% annually with rewards. 

Insurance (optional)

$0.41 per thousand ($) of
Balance per month

$0.41 per thousand ($) of
Balance per month


PLATINUM CREDIT CARDS

PLATINUM

PLATINUM BUSINESS

Membership Annual Fee (Primary)

$200

$200

Membership Annual (Additional)

$80

$165

Replacement Card 

$25

$25

Emergency Card Fee 

$50

$50

Cash Advance Fee

2% Minimum $10

2% Minimum $10

Over Limit Fee

$75

$75

Immediate Credit

$15

$15

Late Payment Fee

$100

$75

Statement Reprint (Only One)

$15

$15

Statement History (More Than One)

$25

$25

Change of Currency of Account

$25

$25

Minimum Payment

5% Minimum $20

5% Minimum $20

Annual Interest Rates

19.50 %

Annually without rewards; 21% annually with rewards.

19.50%

Annually without rewards; 21% annually with rewards. 

Insurance (optional)

$0.41 per thousand
($) of Balance per
month

$0.41 per thousand
($) of Balance per
month


¬ 1% CASH BACK / REWARDS POINTS

How to Apply?

ACB Caribbean Fees

Phone

Mon - Fri (8am - 4pm)
1-268-481-4200

ACB Caribbean Fees

In Person

Visit a local branch

Book Appointment