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

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

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

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

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

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. )

	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