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Our Services At A Glance

 

  • ACCOUNT STRUCTURES
  • CURRENT ACCOUNTS
  • CALL ACCOUNTS
  • SAVINGS ACCOUNTS
  • MONEY TRANSMISSION
  • SWIFT TRANSFER
  • TELEGRAPHIC TRANSFER
  • DRAFTS
  • CEDI TRAVELLERS CHEQUES
  • FINWARE NETWORKING
  • CASH MANAGEMENT
  • PERSONAL CEDI LOANS
  • CORPORATE CEDI OVERDRAFTS
  • CORPORATE CEDI LOANS
  • CORPORATE FOREX OVERDRAFTS
  • CORPORATE FOREX LOANS
  • SMALL BUSINESS FINANCE SCHEME
  • BULK CASH COLLECTION
  • ELECTRONIC BANKING
  • TREASURY SERVICES
  • DEPOSIT ACCOUNTS
  • FOREIGN EXCHANGE DEALING
  • MONEY MARKET OPERATIONS
  • INTERNATIONAL SERVICES
  • FOREIGN ACCOUNTS
  • FOREIGN EXCHANGE ACCOUNTS
  • FOREIGN DRAFTS
  • FAST INTERNATIONAL MONEY TRANSFER
  • TRADE SERVICES
  • LETTERS OF CREDIT
  • DOCUMENTARY COLLECTION
  • EXPORT FINANCE
  • IMPORT FINANCE
  • FINANCE



CURRENT ACCOUNTS
This is a generic product. It enables customers (enterprises, societies, individuals and corporate bodies among others) transact business and effect payments using cheques. The initial deposit for individuals is GH¢20.00 and for enterprises. GH¢50.00 Balances above GH¢100.00 will attract an interest. To apply the customer completes and submits a standard application form.

SAVINGS ACCOUNTS
The Savings account is usually a fund for future use or against the proverbial "rainy day". People would open savings account to accumulate funds in a safe place and at the same time generate some earnings. The initial deposit for individual savings account opening is GH¢10.00 with the minimum operating balance set at GH¢5.00. To start earning interest one's balance should be above GH¢50.00.

To apply the customer fills and submits an application form in addition to two passport-sized photographs. The standard savings account is available to all people. It could be an individual, joint, group or society account.

Trustee Savings is a special savings account for children. This comes in handy for the child's education and development.

OVERDRAFTS AND LOANS
Customers may need funds over and above what they currently have, either to expand their business or start one. An overdraft facility may be provided in this instance. The following are options available to the customer: OVERDRAFT: The customer is allowed to draw monies to a specific amount with interest charged only on the amount overdrawn.

SHORT TERM LOAN
Monies advanced to customer over a specified period usually 12 months payable by monthly equal instalments.

MEDIUM TERM LOAN
The customer enjoys a facility from the Bank and this is paid back over a three to five year period with negotiable repayment terms.

CONSUMER CREDIT SCHEME
The CCS allows customers who are regular income earners to purchase domestic appliances, communication systems, household furniture, personal computers and electronic gadgets from designated shops. Unlike other credit schemes, where the beneficiary makes a deposit before being considered for the facility, GCB makes the full payment on behalf of its customer to the vendor. The customer then picks up the required gadget while the Bank makes monthly deductions from his/her income. Repayment is between six and 18 months.
CORPORATE BANKING
This provides customised solutions through Relationship Managers for corporate bodies consisting of large domestic businesses, subsidiaries of multinationals and parastatals.