Welcome to CIMB

Earn returns and enjoy the convenience of checking facility through our hassle-free Current Account-i. In addition, our Mudharabah Current Account-i designed to let you enjoy banking services at minimal cost.

Features and Benefits:
	Cheque book facility.
	ATM card (on application) - for individuals only.
	Card-with up to RM5,000 ATM withdrawals (on application)
	Free monthly statement of account.
	Internet banking facilities for fund transfer, bill payment and account enquiry.
	Deposits invested in Shariah-compliant activities.
	Return or profit distributed accordingly based on a mutually agreed profit sharing ratio.
	Return or profit credited monthly.
	Minimum balance of RM10 to be maintained at all time.

Eligible for protection by PIDM. Click here for PIDM's brochure

Eligibility:
	Individuals aged 18 years and above - for personal or joint account.
	Firms, companies, associations, societies and clubs.

Requirements:

Minimum initial deposit of:

	Individuals - RM500
	Firms, companies, associations, societies or clubs - RM1,000

For individuals - identity card, passport or driving license. A copy of utility bill for verification of address.

For businesses - a certified copy of the company's Memorandum and Articles of Association, Form 24 and 49, board resolution, business registration form (sole-proprietors/partners) and photocopies of identity cards of all authorised signatories.

For associations, societies and clubs - a certified copy of the organisation's resolution, authority letter, rules and regulations, and photocopies of identity cards of all authorised signatories.

Mudharabah Current Account-i

Product	Profit Sharing Ratio	Hibah / Net Profit Rate This is an indicative rate of return based on the previous month's performance. The actual return can be higher or lower than the indicative rate*
Up to RM250,000	N/A	0.57
Up to RM1 million	N/A	0.75
Above RM1 million	N/A	1.00

Products/Items

Charges

1

Half Yearly Service Charge (if average balance less than RM1,000)

RM10

2

Stamp Duty on cheques

RM0.15 per cheque leaf

3

Search Fees for Opening of Account

RM15 (Not applicable to individual and SME businesses)

4

Despatch of Cheque Books by registered mail within Malaysia & Singapore

RM10 per cheque book, irrespective of size

5

Cheque Books not collected after 30 days

RM30 per cheque book, irrespective of size

6

Current Account Statement

Free - monthly basis
RM20 (per month-daily request)
RM10 (per month-weekly request)
RM5 (per month-fortnightly request)

7

Cheque Return Charges-Insufficient Funds

RM100 per cheque

8

Cheque Return Charges- Technical reasons and Stop Payment Instructions

Discontinued with immediate effect

9

Cheque Return Charges- Stop Payment and the Balance is Insufficient

RM100 per cheque

10

Cheque Return Charges- Post Dated Cheque

RM10 per cheque (to be paid by depositor)

11

Stop Payment Instruction

RM10 per instruction

12

Collection of Outstation Cheques

No commission

13

Inter-branch Online Transactions

No commission

14

Inter-branch Current Account Cash Withdrawals

RM5 per transaction

15

Money/Postal Order Deposits

No commission

16

Transfer of Funds Within Same Branch by Instruction

RM3 per transaction

17

Transfer of Funds to another Branch by Instruction*

RM3 per transaction

18

Transfer of Funds to another Bank by Instruction

RM5 per drawing voucher / bankers cheque + RM0.15 stamp duty

19

Closing of Current Account-i (within 3 months of account opening)

Service charge of RM20

20

Third Party Cheques Encashment

RM2 per cheque

21

Search Fees for Opening Account

RM15

22

Audit Confirmation

RM100 (with facility)
RM50 (without facility)

23

Letter of Reference

RM30 per letter

24

Account Status Confirmation

RM20 per confirmation

25

Account Certification for EPF Withdrawal

RM20

26

Referral of Cheques

RM20 per cheque

27

Creation of FEAs (Facility Excess Authorisation)

RM50 per occasion

28

BMC Appeals

RM50 per appeal

29

BMC Special A/C Designation

RM50 per account

30

Change of Signatories /Conditions

RM10 per occasion

31

Charges for Despatch of Inward Cheques Returned (Periodical Payment Instruction)

RM5 per envelope

32

Dormant Account Activities Fee

No charge

Property Financing

Personal Financing