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Personal · Other Services
Schedule of Rates & Charges
Every fee, charge, and interest rate on a single page - searchable, filterable, and always linked to the latest official PDF.
Effective July 1, 2025
*Special conditions **Additional charges may apply ***Request additional info ~EC$ and US$ accounts Fees inclusive of 17% VAT where applicable. All categories
Current / Savings
Foreign Exchange
Wire Charges
Credit Business
Depository Services
Credit Card
Debit Cards
Merchant Services
Brokerage Fees
Interest Rates
Miscellaneous Charges
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Current / Savings
| Accounts closed within 6 months | EC$58.50 |
| Third Party Withdrawals | EC$23.40 |
| Passbook Update (5 entries free) | EC$1.50 / item |
| Cheques returned unpaid by us | EC$87.75 |
| Cheques returned by other banks | EC$87.75 |
| Unauthorised overdrafts | EC$58.50 |
| Multi-statement charge | EC$17.55 / sheet |
| Interest on unapproved overdraft | 15% |
| Service charge (minimum) - XCD | EC$15 + $1/cheque + duty + VAT |
| Service charge (minimum) - USD | US$15 + $1/cheque + duty + VAT |
| Business accounts - XCD | EC$25 + $1/cheque + duty + VAT |
| Business accounts - USD | US$25 + $1/cheque + duty + VAT |
| Written verification of balances | EC$29.25 |
| Stop payments | EC$35.10 |
| Standing orders | EC$29.25 |
| Replacement savings passbook | EC$29.25 |
| Cheque encashment (non-BON customers) | EC$5.00 + VAT |
Foreign Exchange
| Foreign cheques encashed (USD only) | $5 plus buying rates |
| Foreign drafts / Manager's cheque sold | EC$11.70 / US$5.85 |
| Replacement cheque charge | EC$17.55 / US$11.70 |
| Foreign currency transactions in FCY | 2% plus 17% VAT |
Wire Charges
USD Wires
| From XCD a/c | $104 + VAT $17.68 = $121.68 |
| From USD a/c | US$38.28 + VAT $6.51 = US$44.79 |
GBP / EUR / CAD Wires
| From XCD a/c | $75 + VAT $12.75 = $87.75 |
| From USD a/c | US$35 + VAT $5.95 = US$40.95 |
XCD / BDS Wires
| XCD wires | $63.50 + VAT $10.80 = $74.30 |
| BDS wires | $50 + VAT $8.50 = $58.50 |
Incoming & Misc
| Incoming wire | US$23.40 incl. VAT |
| Returned wires | US$35.10 |
| Wire amendments / traces | US$35.10 or as per corresponding bank |
Credit Business
| Commitment fees (loans up to EC$25k) | 2.0% (min EC$300) + VAT |
| Commitment fees (above EC$25k) | 1.5% (min EC$300) + VAT |
| Overdraft renewals | EC 1.5% of amount + VAT |
| Late payment fee - USD loans | US$75 + VAT |
| Late payment fee - XCD loans | EC$75 + VAT |
| Guarantees / indemnities | 2% of amount + 17% VAT |
Depository Services
| Night wallet rental | EC$234 p.a. |
| Lost / damaged wallets | EC$175.50 + cost of bag |
| Safety deposit rental - small | EC$175.50 |
| Safety deposit rental - medium | EC$187.20 |
| Safety deposit rental - large | EC$234.00 |
| Safety deposit rental - X-large | EC$321.75 |
| Safety deposit rental - jumbo | EC$351.00 |
| Lost keys | EC$58.50 + cost of key |
| Safekeeping of security documents | EC$35.10 p.a. |
| Single-night disposable bag | EC$2.93 |
Credit Card
| Initial setup fee (Business only) | US$175.50 |
| Annual fee - Classic Primary | US$46.80 / EC$117.00 |
| Annual fee - Classic Secondary | US$23.40 / EC$58.50 |
| Annual fee - Gold Primary | US$70.20 |
| Annual fee - Gold Secondary | US$35.10 |
| Annual fee - Business Primary | US$87.75 |
| Replacement card | US$29.25 |
| Emergency card service | EC$100 (non-taxable) |
| Late payment fee | US$35 + VAT |
| Cash advance fee | 3.0% min EC$10 + 17% VAT |
| Overlimit fee | EC$40.95 |
| Return cheque fee | EC$25 (non-taxable) |
Debit Cards
| Fraud protection fee | EC$1.46 / month |
| Replacement card | EC$35.10 |
| ATM transactions at SKNA | EC$1.76 |
| ATM transactions at non-BON, non-SKNA, foreign (under $500) | EC$11.70 |
| ATM transactions at non-BON, non-SKNA, foreign (over $500) | 2% + 17% VAT |
Merchant Services
Point of Sale
| Wired terminal rental | EC$58.50 / month |
| Wireless terminal rental | EC$76.05 / month |
E-Commerce
| Retrieval fee | US$10 (non-taxable) |
| Chargeback fee | US$15 (non-taxable) |
| Set-up fee | US$250 |
Brokerage Fees
Equities (17% VAT on commission)
| 0 - $5,000 | 2.5% |
| $5,001 - $10,000 | 2.0% |
| $10,001 - $50,000 | 1.5% |
| $50,001 - $250,000 | 1.0% |
| $250,001 - $500,000 | 0.75% |
| $500,001 - $1,000,000 | 0.70% |
| Over $1,000,000 | 0.65% |
Treasury Bills / Bonds (ECSE)
| 0 - $10,000 | 1.0% |
| $10,001 - $100,000 | 0.75% |
| $100,001 - $250,000 | 0.60% |
| $250,001 - $500,000 | 0.55% |
| $500,001 - $1,000,000 | 0.50% |
| Over $1,000,000 | 0.45% |
Interest Rates
Savings Accounts
| Regular Savings | 2.00% p.a. |
| Youth Savers | 2.25% p.a. |
| US$ Savings | 0.50% p.a. |
Priority Savings
| Up to $25,000 | 2.25% |
| Over $25,000 | 2.50% |
Gold Club Savings
| Up to $25,000 | 2.00% |
| $25,001 - $100,000 | 2.25% |
| $100,001 - $500,000 | 2.50% |
| Over $500,000 | 2.75% |
Fixed Deposit (12 months)
| East Caribbean Dollars | 2.00% |
| USD - Up to $500,000 | 0.50% |
| USD - Over $500,000 | 0.75% |
Online Banking / EFT Charges
| EFT to other institution (in branch) | EC$10 + VAT |
| EFT to other institution (online) | $2.34 |
| Bill payment online | $2.34 |
| Bill payment in branch | $23.40 |
| EFT (one-time payment) | $11.70 |
| EFT (insufficient funds) | $87.75 |
| Monthly EFT charge (payroll) | $23.40 |
Miscellaneous Charges
| Photocopy of documents | EC$5.85 / sheet |
| Special letters (universities etc.) | EC$35 (non-taxable) |
| Cheques sent on collection | EC$58.50 |
| Cheques received on collection | EC$35.00 |
| Reference letters | EC$40.95 |
| Audit confirmation | EC$58.50 |