Pre-Existing Accounts

Personal Financial Services Agreement Rates & Fees Schedule St Lucia (XCD)  

Effective Date: January 2021

This schedule of interest rates and fees (“schedule”) forms part of the Agreements, which include the Personal Financial Services Agreement booklet and the Deposit Account Agreement.  Terms used in this schedule have the same meaning as in the Agreements unless otherwise indicated.  We can amend, change, modify, add or remove any of the rates, fees, benefits, features and services that are set out in this schedule.  If we do, we will notify you of any changes in accordance with the Agreements.

 

Optimizer Account - AT 16 XCD (Not Available for New Customers)

Monthly Fee $3.50
Monthly Balance Fee Waiver* $500.00
Number of Free Transactions Included in Monthly Fee N/A
Additional Transaction Fees Branch : $2.00
Cheque : N/A
ATM : $1.00
POS: Free
Interest Rate No
Cheque Writing Privileges No
Statement Frequency Quarterly
Overdraft Protection Available No
Ad-hoc/Temporary Overdraft Interest Rate** N/A
Interest Calculation*** N/A

Premium Optimizer Account - AT 27 XCD (Not available for new customers)

Monthly Fee $5.00
Monthly Balance Fee Waiver* $1000.00
Number of Free Transactions Included in Monthly Fee N/A
Additional Transaction Fees Branch : $5.00
Cheque : N/A
ATM : $5.00
POS: Free
Interest Rate No
Cheque Writing Privileges No
Statement Frequency Quarterly
Overdraft Protection Available No
Ad-hoc/Temporary Overdraft Interest Rate** N/A
Interest Calculation*** N/A

* Balance must not drop below the Fee waiver amount in order for fees the be waived.

** Overdraft calculation is based on 365 days for all account types.

*** Notwithstanding what is indicated on page 3 in the Interest rates and interest calculations section of the PFSA (April 2019) booklet, interest on the Savings accounts and Speciality Accounts is calculated by using the lowest Account balance during the month and is paid to the Account on the last business day of the month. The interest calculation and payment frequency set out in this Rates & Fees Schedule amends and replaces the wording on page 3 of the PFSA (April 2019) booklet.