| |
Type of Charges |
Charge (RM) |
| Family First Account |
| Family First - Everyday Account (EA) |
Service Fee: |
| Fee |
24.00 annually (12.00 to be debited half-yearly)
Waived for consistent deposit of minimum RM1,500 monthly |
Transaction: |
| Over-the-counter, ATM and other channels (Internet Banking/Contact Centre/Mobile Banking) |
Free (unlimited transactions) |
| Interbranch (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of 0.50 and maximum of 500.00) |
Interbank GIRO (IBG): |
| Over-the-counter & Internet Banking (charges per month) |
1st & 2nd transactions - 0.50 per transaction.
3rd transaction onwards – 2.00 per transaction. |
Standing Instructions: |
Service Charge to effect payment:
• Internal
• External |
Free
2.00 (plus cost of remittance instrument and postage) |
| Reminder for SI payable to external parties (if insufficient funds in account at time of debiting) |
5.00 |
Cheque Related: |
| Cheque book |
0.15 stamp duty per cheque leaf |
| Charges on overdrawn account (Due to insufficient fund and covered before the cut-off time for returned cheque) |
25.00 per cheque |
| Returned cheque (Insufficient balance) |
100.00 |
| Stop payment instruction |
10.00 |
| Uncollected cheque book (Cheque book uncollected after 30 days of cheque book issuance) |
20.00 per cheque book |
| Encashment by 3rd parties |
2.00 |
| Encashment by account holder |
Free |
ATM: |
| Issuance of PMPC |
Free |
| Annual PMPC |
Free |
| Replacement of PMPC card (Due to lost, stolen or damaged) |
12.00 |
| Cash withdrawal at other FI ATM |
1.00 |
ATM Regional Link Service:
• Withdrawal via NETS ATM @ Singapore
• Withdrawal via Arta Jasa ATM @ Indonesia |
10.00 |
| Inter-Bank Fund Transfer (IBFT) |
1.00 |
| Reimbursement of MEPS cash fund (e-Purse) |
Free |
| Loading of MEPS e-Purse |
1.00 |
| Reload of Touch n' Go |
0.50 |
| Electronic Share Application |
1.00 |
Transaction Record: |
| Quarterly Transaction Statement |
Free |
| Ad-hoc printed statement request |
20.00 per statement |
Others: |
| Account Closure (within 3 months of opening) |
20.00 |
| Dormant Account Annual Fee |
10.00 |
Appointment of mandatee to operate an account
• Stamp Duty
• Service Charge |
10.00
10.00 |
| |
| Family First -Special Savings Account (SSA) |
Transaction: |
| Over-the-counter, ATM and other channels (Internet Banking/Contact Centre/Mobile Banking) |
Free (unlimited transactions) |
| Interbranch (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of 0.50 and maximum of 500.00) |
Interbank GIRO (IBG): |
| Over-the-counter & Internet Banking (charges per month) |
1st & 2nd transactions - 0.50 per transaction.
3rd transaction onwards – 2.00 per transaction |
Standing Instructions: |
Service Charge to effect payment:
• Internal
• External |
Free
2.00 (plus cost of remittance instrument and postage) |
| Reminder for SI payable to external parties (if insufficient funds in account at time of debiting) |
5.00 |
ATM: |
| Cash withdrawal at other FI ATM |
1.00 |
ATM Regional Link Service:
• Withdrawal via NETS ATM @ Singapore
• Withdrawal via Arta Jasa ATM @ Indonesia |
10.00 |
| Inter-Bank Fund Transfer (IBFT) |
1.00 |
| Reimbursement of MEPS cash fund (e-Purse) |
Free |
| Loading of MEPS e-Purse |
1.00 |
| Reload of Touch n' Go |
0.50 |
| Electronic Share Application |
1.00 |
Transaction Record: |
| Quarterly Transaction Statement |
Free |
| Ad-hoc printed statement request |
20.00 per statement |
Others: |
| Account Closure (within 3 months of opening) |
20.00 |
| Dormant Account Annual Fee |
10.00 |
| |
| Deposit Products |
| Basic Savings Account |
Annual Fee: |
| • Fee Account |
8.00 |
| • Non-Fee Account |
Nil |
| Over-the-counter transactions (per month) |
| • Fee Account |
Free (unlimited transaction) |
• Non-Fee Account
- Deposit transactions
- Withdrawal transactions (per month)
• 1st - 6th transactions
• 7th transaction onwards
|
Free
Free
1.00 per transaction
|
| Replacement for lost/stolen/damaged passbook |
15.00 |
| Account Closure (within 3 months of opening) |
20.00 |
| Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500) |
| Statement Request from ATM |
Free |
| Dormant Account Annual Fee |
10.00 |
| |
| Other Savings Account |
Replacement for lost/stolen/damaged passbook |
15.00 |
| Account Closure (within 3 months of opening)
* Not applicable for AmGenius Account |
20.00 |
| Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500) |
| Statement Request from ATM |
Free |
| Dormant Account Annual Fee |
10.00 |
| |
| Basic Current Account |
Annual Fee: |
| • Fee Account |
8.00 |
| • Non-Fee Account |
Nil |
| Audit Confirmation |
20.00 per account |
| Over-the-counter transaction |
| • Fee Account |
Free (unlimited transactions) |
• Non-Fee Account
- Deposit transctions
- Withdrawal transctions (per month)
• 1st - 6th transactions
• 7th transaction onwards
|
Free
Free
1.00 per transaction
|
| Account Closure (within 3 months of opening) |
20.00 |
| Stop payment instruction |
10.00 |
Returned cheque:
• Insufficient balance
|
100.00
|
| Half yearly service charge, if average balance less than RM1,000 |
10.00 |
| Duplicate Statement/Ad-hoc Statement Request |
Free |
| Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500) |
| Encashment by 3rd parties |
2.00 |
| Encashment by account holder
|
Free |
| Chequebook |
0.15 stamp duty per cheque leaf (Exempted for government bodies, schools and co-op societies) |
Charges on overdrawn Current Account
(Due to insufficient fund and covered before the cut-off time for returned cheque) |
25.00 per cheque |
Uncollected chequebook
(Cheque book uncollected after 30 days of cheque book issuance) |
20.00 per chequebook |
Appointment of mandatee to operate an account
• Stamp Duty
• Service Charge
|
10.00
10.00 |
| Dormant Account Annual Fee |
10.00 |
| Endorsement on company account and authorised signatories. |
20.00 per request |
| |
Other Current Account
|
Account Closure (within 3 months of opening) |
20.00 |
| Audit Confirmation |
20.00 per account |
| Stop payment instruction |
10.00 |
Returned cheque:
• Insufficient balance
|
100.00
|
| Half yearly service charge, if average balance less than RM1,000 |
10.00 |
| Duplicate Statement/Ad-hoc Statement Request |
20.00 |
| Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500) |
| Encashment by 3rd parties |
2.00 |
| Encashment by account holder |
Free |
| Chequebook |
0.15 stamp duty per cheque leaf (Exempted for government bodies, schools and co-op societies) |
Charges on overdrawn Current Account
(Due to insufficient fund and covered before the cut-off time for returned cheque) |
25.00 per cheque |
Uncollected chequebook
(Cheque book uncollected after 30 days of cheque book issuance) |
20.00 per chequebook |
Appointment of mandatee to operate an account
• Stamp Duty
• Service Charge |
10.00
10.00 |
| Dormant Account Annual Fee |
10.00 |
| Endorsement on company account and authorised signatories. |
20.00 per request |
| |
| AmStar & AmStar Extreme
(e-AmStar) (Cheque Writing Facility) Current Account |
Account Closure (within 3 months of opening) |
20.00 |
Stop payment instruction |
10.00 |
Returned cheque:
• Insufficient balance
|
100.00
|
Duplicate statement |
20.00 |
Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area) |
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500) |
|
|
|
Average balance less than RM3000 - RM5.00. Average balance of RM3000 and more - no charge |
• AmStar Extreme (e-AmStar)
|
Average balance less than RM1000 - RM5.00 |
Encashment by 3rd parties (only for AmStar)
|
2.00 |
Encashment by account holder
• AmStar
• AmStar Extreme (e-AmStar)
- Encashment amount RM3000 and below
- Encashment amount above RM3000
|
Free
5.00 per transaction
Free
|
Charges on overdrawn Current Account
(Due to insufficient fund and covered before the cut-off time for returned cheque)
|
25.00 per cheque |
|
|
0.15 stamp duty per leaf (Exempted for government bodies, schools and co-op societies) |
Uncollected Chequebook
(Cheque book uncollected after 30 days of cheque book issuance)
|
20.00 per chequebook |
|
Appointment of mandatee to operate an account
• Stamp Duty
• Service Charge |
10.00
10.00 |
|
Dormant Account Annual Fee |
10.00 |
| |
| Fixed Deposit |
Replacement of FD receipt
(Due to lost, badly handled or mutilated) |
5.00 per FD receipt |
| Ad-hoc statement request |
5.00 per request |
| |
| Remittance
Instruments |
| Ordinary
Cashier's Order |
Application: |
• By debiting of account
(For Current Account, the account holder must issue house cheque) |
Commission @ RM2.00
Stamp duty @ RM0.15
For CMA account holder
Commission @ free
Stamp duty @ free |
| • By cash |
Commission - RM5.00
Stamp duty - RM0.15 |
| Cancellation: |
| • with original CO |
2.00 per CO |
| • without original CO |
10.00 per CO |
| |
| Share
Application Cashier's Order |
Issuance |
Commission - RM2.00
Stamp duty - RM0.15 |
| |
Application by debiting loans account i.e. SMART and Flexiloan
Commission @ free
Stamp duty @ free |
| Cancellation without original CO |
10.00 per CO |
| |
| Demand
Draft (in Local Currency) |
Issuance |
0.03% on the amount (minimum of RM0.50 and maximum of RM500) |
|
Cancellation
• With original DD
• Without original DD |
2.00 per DD
10.00 per DD |
| |
| Demand Draft (in Foreign Currency)
|
Issuance |
2.00
No charge if remittance amount exceeds equivalent of RM5,000 |
| Un-presented Foreign Demand Draft (Foreign DD) |
30.00 - Investigation charges inclusive of handling fees |
| Foreign Demand Draft purchased by the customer and not presented by the Payee for more than 2 years from the date of issuance. |
| |
| Travellers
Cheque |
Sale of Travellers
Cheque: |
| • Commission |
1% of the sales amount in RM equivalent |
| • Stamp duty |
0.15 per TC |
| Encashment of Travellers Cheque: |
| • Commission |
3.00 per transaction |
| • Stamp duty |
0.15 (if stamp duty unpaid) |
| • Postage |
2.00 per transaction |
| Repurchase of Travellers Cheque: |
| • Commission |
- |
| • Stamp duty |
0.15 (if stamp duty unpaid) |
| • Postage |
2.00 |
| |
| Telegraphic
Transfer (payable in Malaysia) |
Transfer within same clearing area
Transfer to different clearing area |
RM4.00 per instruction
RM14.00 per instruction |
| |
| Telegraphic
Transfer (payable in Foreign Currency) |
Commission |
2.00
No charges if remittance amount exceeds equivalent of RM5,000 |
| Cable charges/processing fee |
Cost of wire differs between countries:
- Singapore : RM10.00
- Thailand : RM15.00
- Others : RM25.00 |
| |
| Foreign
Worker Remittance (Service available at selected branches only and caters for remittance in IDR to Indonesia) |
Service charge |
10.00 per application |
Rejected application
( Due to transaction rejected by Agent Bank) |
5.00 per application |
| |
Interbank GIRO
IBG |
Transactions originating from Account Type: |
Over-the-counter |
Internet Banking |
(1) BSA/BCA (Fee & Non-Fee) Account (per month)
- 1st & 2nd transactions
- 3rd transaction onwards |
0.50 per transaction
2.00 per transaction |
0.50 per transaction
2.00 per transaction |
| (2) Amstar Extreme (e-AmStar) |
Transfer amount RM5000 and below – 5.00 per transaction
Transfer amount above RM5000 – 2.00 per transaction |
Transaction per month
• 1st - 5th transactions – Free
• 6th transaction onwards – 2.00 per transaction |
| (3) Other types of account |
2.00 per transaction |
2.00 per transaction |
| (4) Over-the-counter transactions for walk-in customers |
2.00 per transaction |
|
Note:
* Item (1) IBG Charges take effect from 6th Sept 2006.
* Item (2) & (3) IBG Charges take effect from 1st Mar 2007.
* Item (4) IBG Charges take effect from 1st Dec 2006.
|
| |
| Other Services |
| Standing Instruction |
|
|
| Service charge to effect payment
|
2.00 (plus cost of remittance instrument and postage) |
| Reminder for SI payable to 3rd parties (if insufficient funds in account at time of debiting)
|
5.00 |
| |
|
|
System Crediting |
1.00 per account
2.00 per account – for Subscriber with no deposit account |
|
Manual Crediting |
5.00 per account |
| |
|
|
Annual Rental: |
|
• 3" x 5" x 24" (at selected branch only) |
75.00 |
|
• 5" x 5" x 24" |
95.00 |
|
• 3" x 10 " x 24" |
110.00 |
|
• 5" x 10 " x 24" |
135.00 |
|
• 10" x 10 " x 24" (at selected branch only) |
170.00 |
|
Loss of Key (1 or 2 keys) |
150.00 |
|
Appointment of mandatee to access SDB
• Stamp Duty
• Service Charge |
10.00
10.00 |
| |
| Reload Touch n' Go via Cash Deposit Machine |
Reload of Touch n' Go |
1.00
Current Promotion : 0.50 |
| |
| ATM |
Issuance of PMPC |
Free |
| Annual PMPC |
Free |
| Cash withdrawal transaction for BSA/BCA account (per month): |
| • Fee Account |
Free (Unlimited transaction) |
• Non-Fee Account
- 1st - 8th transactions
- 9th transaction onwards
|
Free
0.50 per transaction |
Replacement of PMPC card
(Due to lost, stolen or damaged) |
12.00 |
| Reimbursement of MEPS cash fund (e-Purse) |
Free |
| Cash withdrawal at other FI ATM
• AmStar Extreme (e-AmStar)
(per month)
- 1st - 5th transactions
- 6th transaction onwards
• Other types of account |
Free
1.00 per transaction
1.00 per transaction
|
| Inter-Bank Fund Transfer (IBFT) |
1.00 |
| Loading of MEPS e-Purse |
1.00 |
| Electronic Share Application |
1.00 |
ATM Regional Link Service:
1)Withdrawal via NETS ATM @ Singapore
2)Withdrawal via Arta Jasa ATM @ Indonesia
|
10.00 |
| Reload of Touch n' Go |
0.50 |
| |
| Coin Deposits / Changing of Coins |
Coin Deposits
(not applicable for deposit to Saver's Gang account )
• Between RM500 to RM1,000
• Exceeding RM1,000 |
5.00
10.00 |
Changing of Coins:
• Loose coins
• Per bag (same denomination) |
1.00 for every RM50 of loose coins
5.00 per bag |
| |
| Foreign Cheque for Collection |
Commission |
0.1% flat (minimum RM5.00 and maximum RM100.00) |
| Agent’s Charges |
Agent’s charges will be imposed and deducted from the cheque proceeds |
| |
| Credit
Card |
Credit Card |
Annual Fee |
|
| • AmBank Gold (MasterCard/VISA) |
Principal
RM150.00*
Supplementary
RM75.00* (Free up to 3 cards)
*Fee is waived subject to minimum card usage of 12 transactions p.a.
|
| • AmBank Classic (MasterCard/VISA) |
Principal
RM75.00 (Fee is waived for the first 2 years)
Supplementary
RM37.50 (Free up to 3 cards)
|
| • AmBank-RealRewards (MasterCard) |
Principal
Free (Fee is waived for life)
Supplementary
RM45.00 (Free up to 2 cards)
|
| • AmBank Imagine Card (VISA) |
Principal
RM130.00 (Fee is waived for the first 3 years).
Supplementary
RM65.00 (Free for 1 card)
|
| • AmBank Platinum (MasterCard/VISA) |
Principal
RM688.00*
Supplementary
RM188.00* (Free for 1 card)
* Fee is waived subject to minimum card usage of 12 transactions p.a. OR minimum card spend of RM12,000.00 p.a. (retail/cash advance).
|
| Finance Charges |
18% p.a. of the outstanding amount calculated on daily basis, up to 3% rebate on interest charges for prompt payment. |
| Cash Advance Fees |
5% or a Minimum of RM50.00 per transaction |
| Minimum Monthly Payment |
5% of outstanding balance or a minimum of RM50.00, whichever is higher |
| Late Payment Charge |
1% of the balance outstanding due or a minimum of RM10.00, whichever is higher and up to a maximum of RM100.00 |
| Interest free period |
20 days from the day the transactions are posted to the card account until Payment Due Date (Subject to amount is settled in full). |
| Conversion of overseas transactions |
The conversion rate is as determined by VISA International or MasterCard International with an administration cost of 1% |
| Excess Limit Charge |
The excess limit charge is up to 2% of the amount above credit limit or a minimum of RM50.00, whichever is higher |
| Card Replacement Fee |
25.00 per card |
| Dishonored Cheque Administrative Charge |
100.00 |
| Card Conversion Fee |
50.00 for each card type of change request. |
| Sales draft retrieval fee |
20.00 per copy |
| Monthly statement retrieval fee |
20.00 per statement |
| |
| |
| Hire Purchase |
Road tax renewal Charges (Inclusive of delivery charges) |
Category |
AMAB CN |
Other Insurance CN |
Home Br |
- |
RM10 |
Inter Br |
- |
RM20 |
|
Issuance of Release Letter
• Home Branch
• Inter Branch
|
No Charge
30.00 |
| Service charge for duplicate
road tax disc |
20.00 |
| Duplicate of Release Letter |
30.00 |
| Audit Confirmation |
20.00 per request |
| Photocopy of Hire Purchase Agreement and Guarantee Agreement |
20.00 per document |
Letter of Consent for:
• Interchange engine number
• Interchange registration number
• Duplicate registration card |
20.00 per letter |
* Service charge for JPJ transfer
( applies to services provided by branches in Wilayah Persekutuan Kuala Lumpur and Selangor only and are subject to any changes and variation.) |
50.00 |
|
|
Housing
Loan & Property Loan |
Photocopy of loan documents |
20.00 for first document
10.00 for subsequent document(s) |
| Redemption Statement |
50.00 for first request (effective 1 April 2007)
100.00 for subsequent request
|
| Audit Confirmation |
20.00 per request |
| Additional request for statement of account |
20.00 per statement cycle |
| Re-execution fees |
100.00 per account |
| Housing loan daily rest (redraw facility) |
10.00 administrative fee for each withdrawal. 500.00 per month
should balance outstanding fall below 10% of Schedule Principal |
| Processing fees for approved housing loan |
Processing fee scale (based on loan size)
- Below RM25,000
– Nil
- RM25,000 to RM30,000
– RM50.00
- RM30,001 to RM100,000
– RM100.00
- Above RM100,000
– RM200.00
This fee is currently waived
|
| |
| Credit Facilities |
| SME Loans |
Letter of Undertaking / Disclaimer Letter |
1st request - Free
Subsequent request (s) - RM50.00 per letter |
| Redemption Statement |
50.00 for first request (effective 1 April 2007)
100.00 for subsequent request
|
| Participation fee (applicable for Syndication Loan) |
0.5% of loan amount |
| Commitment fee (applicable for Fixed Loans, Overdraft and Revolving Credit) |
1% of unutilised amount |
| Re-execution of documents (e.g. Form 16N, Form 42) |
100.00 per request |
|
|
