Non-interest-bearing bank account which allows the account holder to write cheques against the funds in the account.


  • Cheques are issued on this account
  • Overdraft facilities can be arranged
  • Drawings are allowed against cleared cheques and cash deposited
  • Interest is not paid on this account
  • Minimum Initial Deposit is GHS 20.00
  • Monthly Statements every quarter (4 times yearly)



  • Low initial deposit
  • Easy payment for bills, goods and services
  • Helps budgeting and convenient
  • Accessible information on account activities
  • Access to bank credit facilities
  • Additional Statement of Account upon request at a nominal fee
  • Reduces the risk of carrying heavy sums of money
  • Access to E-banking services and SMS Alert