Fnb Money Maximiser Account Rules-Books Pdf

FNB MONEY MAXIMISER ACCOUNT RULES
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keep in your account You can get information about the interest rates that apply to your account via your Banker by contacting us via our call. centre by visiting your nearest FNB branch or by visiting our website Interest rate changes are also shown on the statements we send you. The interest rate quoted will always reflect what you will earn on an annual basis If the date on which your interest must be paid falls on a. Sunday or public holiday we will pay you the interest on the next business day. 8 We may at our discretion change interest rates offered on products for the purposes of promotions and competitions Such interest rates will. only be applicable to the product s specified in the promotion or competition and will only be valid for the period of the promotion and. competition Where preferential rates are normally offered such preferences may or may not apply for promotions and competitions. 9 Unless specified otherwise in the Product Rules and or Product information pages on our website cash savings and investments as defined in the. Bank s Act 1990 have a bank capital guarantee as banks are required to hold capital and liquidity reserves in order to provide this guarantee Any. money that you deposit with us in a cash savings and investment account will constitute a senior unsecured obligation of the bank which will be. ranked on equal footing with our other existing senior unsecured obligations In the normal course of business we will repay the nominal amount. and interest or profit share at the interest rate profit share rate agreed to under the terms of the deposit on termination of the deposit. 10 Any receipt issued on the opening of the account is not transferable or negotiable You may not pledge or cede transfer your rights arising. from your savings or investment as security for loans without our consent We will only consider cessions or pledges to registered South. African Banks, 11 If any negotiable instrument e g a cheque bill of exchange promissory notes etc is deposited in your account the proceeds will be credited. to your account immediately but will only be available when the negotiable instrument has been honoured If the negotiable instrument is. dishonoured your account will be debited accordingly and we will return the negotiable instrument to you at your risk A fee may be charged to. do this You agree that we can clear cheques by making use of any clearing system While acting in good faith and exercising reasonable care. we will not accept responsibility for ensuring that you have lawful title to negotiable instruments collected. 12 Some FNB Savings and Cash Investments accounts previously provided you with the option of taking up a chip and pin card linked to that. specific account In such instances the card may be used for ATM cash deposits ATM cash withdrawals ATM account viewing and balance. enquiry purchasing of goods and services from suppliers who display the VISA logo purchasing or transacting by mail order telephone and or. electronically purchasing of fuel at retailers discretion and registering for FNB online banking The card may not however be used as a. reference for recurring payments including debit orders subscription fees and membership fees To prevent someone from using your card. without your permission you agree to take all reasonable steps to keep your card and personal identification number PIN safe If you use your. card outside of the Common Monetary Area you must comply with the relevant exchange control regulations Any transaction or payment. made in a currency other than South African Rands will be charged to your account at the VISA or MasterCard rate of exchange that applies. on the date of settlement The transaction will be shown on your account statement in Rands We must report any transactions outside the. Common Monetary Area to the South African Reserve Bank You must not use the card to buy foreign lottery tickets and participate in online. gambling activities We have an obligation to decline any card transactions that relates to foreign lotteries or any gambling activities. 13 Transaction monthly account service consultant assisted services postage and card fees may apply to your account These fees may reduce your. capital amount and it is your responsibility to familiarize yourself with such fees and plan for them accordingly You can obtain details of fees that. apply to your account s from our Pricing Guides on our website your nearest FNB branch your banker or by contacting our call centre We are. entitled to change or increase the fees or the method that we apply in calculating these fees from time to time. 14 At our discretion or as may be required by law we may allow you to perform an early withdrawal or closure on your notice or fixed account s. Where the product rules state that early withdrawals or an early closures are is permitted such withdrawals or closure will attract a penalty fee. Please see the latest Pricing Guide available on fnb co za or at your local FNB branch for the formula s of the calculations of these said fees. 15 Your account s should never become overdrawn If your account s becomes overdrawn we may send you notification instructing you to pay. the outstanding debit balance on your account s Should you not respond by paying the full outstanding amount within the period provided in. the notification we reserve the right to offset the outstanding balance by taking the funds owed to us by yourself from any of your other FNB. bank accounts We may also realise any security you hold with us for any amounts owed to us by yourself in order to apply set off. 16 If your account is inactive for a period in excess of 45 forty five months you will not be able to transact on it using self service channels and. you will need to visit your nearest FNB branch to activate it Account activity rules however do not apply to Fixed Deposit accounts. 17 We are entitled to close an account if the balance falls below the required minimum balance and or if the account remains inactive for a period. of 60 sixty months or more Once the account is closed no interest or fees will accrue to that account The credit balance on the account. which is not claimed by you by the time of closure of the account will be written off and provided for separately You retain the right to these. unclaimed funds for a period of 60 sixty years from the day the account was closed provided that you produce original identification complete. the necessary forms supplied to you by us and can prove the claim. 18 We may stop offering and terminate any Savings and Cash investment product in which case we will continue to support such a product for a. reasonable period during our agreement will continue to apply Unless there are changes to the product features or terms and conditions of the. product s that have been closed to new business that impact you directly we may decide not to communicate to you our decision to close the. product to new business, 19 We will provide you with statements reflecting your debit and credit entries as well as the total credit or debit balance on your account s. provided that you have opted to receive such statements Statements are however not issued for Fixed Deposit accounts Should you have. selected to receive your statements and letters via post do note that this will attract a postage fee which will be levied against your account s. 20 We reserve the right to monitor the use of your account s to ensure that it is line with product rules Should your use of the account s be in. breach of the product rules we reserve the right to close the account s. 21 Should we suspect that your account has been used to commit any fraud or has been used for any other illegal purpose or the Bank is. compelled to do so by law we may close your account or refuse you access to your account without prior notification to you. 22 We recommend that you use InContact a free SMS notification service offered by FNB as part of your account InContact notifies you when. there is any activity on your account shortly after it happens so that you will know if there are any unauthorised transactions on your account. This is so you can immediately take steps to prevent them and minimise your loss by contacting us This is additional to any statement we. send you Because of this if you decide not to sign up for or cancel InContact you agree that you alone will be responsible for those. unauthorised transactions on that account, 23 It is important that you understand the features benefits terms and conditions fees and tax implications of any financial product before you. invest in it You alone need to be satisfied that the product you have chosen meets your savings and investment needs and objectives. 24 We will notify you when the Product Rules of your product change You are entitled to terminate the product or switch to another product if you. do not wish to accept the variation Such termination or switching will be subject to the applicable Product Rules and may attract early. withdrawal and or penalty fees in the case of fixed and notice deposit products. 25 If you reside outside of the Common Monetary Area additional rules may apply to you Please refer to our FNB Non Resident Centre to more. fully understand these rules and how they are applicable to you. 26 You warrant that all information including personal information and contact details which you submit to us from time to time is complete and. accurate at all times You must notify us immediately if there is any change in the information you submitted to us We were not responsible or. liable for any communications which is sent to you to an incorrect or outdated address If we send any notifications to you using any of the. contact details you provided us we will treat it as received by you. 27 You should send any correspondence to or lodge any complaint with your FNB branch your banker via FNB online or via our FNB call centre. Visit www fnb co zaour website to review our complaints procedure. 28 These terms and conditions must be read in conjunction with the account specific Product Rules The FNB General Terms Conditions also. apply to you A copy of these Product Rules and the FNB General Terms Conditions are available on our website or from our call centre. FNB GENERAL TERMS AND CONDITIONS, 1 THIS DOCUMENT RECORDS YOUR AND OUR AGREEMENT. This agreement will apply to you if you are an individual and you have any account with First National Bank FNB. This agreement sets out the general terms conditions that apply to your and our relationship. You can do your banking or get information about your account using different banking channels We may also provide you with payment. mechanisms like a debit cheque or petrol card so you can transact on your account From time to time we may also make other services. available to you All of the above banking channels access mechanisms and services are governed by their own rules These rules will. also apply to you if you use these products services To fully understand your and our rights and duties you must read this agreement. together with those rules You must contact us if you don t understand any part of the rules. If there is a conflict difference between this agreement and the rules the rules will apply. We can change this agreement or any of the rules at any time We will tell you about any significant important changes to this. agreement or the rules before we make the change Unless you end the agreement before the date the change comes into effect applies. we can assume that you agreed to the change, The words you or your means the account holder and any person the account holder allows to operate on the account.
The words us our we or the bank only refers to First National Bank. 2 FEES YOU MUST PAY US, In return for providing you with banking products and services you must pay our fees as set out in the rules and in FNB s latest Pricing. Guide A copy is available on www fnb co za or from any FNB branch. Unless we say otherwise all fees are non refundable. We may change our fees from time to time We will advise you of this by giving you notice of the changes within a reasonable time before. the change takes effect, 3 WHEN AND HOW WE WILL SEND YOU STATEMENTS. To help you to check the transactions on your account we may make account statements available to you or you can go to any FNB. branch and ask for a statement You must check your statements Statements are not sent out on certain accounts. We may either make your statements available electronically e g on online banking or we may send you your statements by email or by. We can charge you an additional fee for statements you request over and above those we normally give our customers. Your statement will show all the transactions on your account for the period written on the statement Transactions carried out but not. yet paid or deducted from your account will not appear on your statement. 4 YOU MUST CHECK YOUR STATEMENT CAREFULLY AND REPORT ANY MISTAKES. You must check each entry on your statement carefully as soon as you get your statement. You must report any mistakes or transactions done without your permission to us within 30 thirty days from the date of the statement If. you don t do this we can assume the entries and transactions shown on the statement were correct or done by you or with your. permission We will not be responsible for any loss or damage you suffer because you didn t report errors or unauthorised transactions. on time If you receive inContact notifications you must report any unauthorised . 14 If your account s becomes overdrawn we may send you a letter of demand instructing you to pay the outstanding debit balance on your account s

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