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Account Opening Information

General Accounts

	Savings Account
	Current Account

Other Types of Accounts

	Zenith Children's Account ( ZECA )
	Cheque and Save
	Zenith Society Account (Z-Society)
	Zenith Children’s Plus Account (ZECA PLUS)
	Foreign Exchange Account (GBP, EUR, USD)
	Foreign Current Account (GBP, EUR, USD)
	Zenith Pay Advance Salary Scheme ( Z-PASS )
	Zenith Church Premium Account

Treasury (Investment) Products

	Call Accounts
	Fixed Deposits
	Treasury Bills
	Zenith Investment Savings Account ( ZISA )


	* Click to download account opening forms.

Savings Account

This account is available to clients 18-years and older and offers a secure, attractive method of saving funds at a competitive rate, while at the same time allowing for immediate access to funds.



Benefits:
	Electronic banking services are available on this account including VISA and EazyPay ATM cards.
	No monthly charges.
	Eliminates the carrying of large amounts of cash.
	Competitive interest rate.

Zenith Society Account (Z-SOCIETY)

An investment account designed for clubs, societies, associations and social organizations to offer funds management services at very attractive interest rates.


Benefits:
	Investment account with sweep services and attractive interest rates. Investments include: -One and two-way sweep Call accounts -Fixed Deposits and -Zenith Investment Plan Account (ZIPA)
	Free Internet Banking
	Recon tool- for reconciliation of pledges, donations and standing orders
	Issuance of free Visa Prepaid and Debit Cards at a discount to members
	Visa Credit Cards to be issued to recommended members
	Zenith Bank will donate 1% of annual average deposits on
	current/call accounts only towards projects by the society
	Access to a dedicated Relationship Manager
	Business advisory services including investment portfolio management options
	Requirements Must be a recognized body registered by the Register General’s department Two passport-size pictures of signatories Proof of identification such as passport/voter’s identification card/driver’s license Utility Bill Constitution of the society if not registered

Current Account

A convenient and flexible medium to make and receive payments. The account can be opened in individual or joint names.


Benefits:
	Cheque facilities.
	Electronic banking services are available on this account including VISA and EazyPay ATM cards.
	Current/call account sweep facility.

Zenith Children's Account ( ZECA )

A Savings account to nurture savings behaviour in minors up to the age of 18 and provide guardians with a financial management tool.


Benefits:
	Savings may be held as security for loans to Guardians.
	Encourages early savings behaviour in minors.
	Up to four children can apply on a single form.

Zenith Church Premium Account

A funds management and credit facility service for Christian religious bodies for assets purchases and construction.


Benefits:
	Active cash management service
	Personalized financial services including funds management advice
	Investment account sweep services (both into call accounts and Zenith Investment Plan Account (ZIPA) investments)
	Access to 3-5 year loans to finance phased-construction of Church Building, Church Renovation, etc.
	Access to short and medium term loans for asset acquisition at concessional rates. Assets to be financed include musical instruments in conjunction with Virtual Sounds Limited, generators, vehicles, church furniture, etc.
	Free internet banking
	Visa Prepaid & Credit Cards for church clergy (Terms & conditions apply)
	World Class Customer Service
	Free Cash Pick-ups on worship days (Minimum collection of GH¢ 2,000.00)
	Attractive Interest Paid on Deposits
	Requirements Minimum initial deposit of GH¢ 200.00 Church must be registered with a recognized national religious organization Church must have been in existence for at least 5 years to qualify for asset finance facilities.

Zenith Childrens Plus Account (ZECA PLUS)

Saving for your child’s future just got easier with ZECA Plus


Benefits:
	For children between 0-12 years
	Minimum initial deposit is GH¢500.00 per child
	Minimum monthly deposit is GH¢50.00 per child
	Earn interest of 8% per annum
	Withdrawals are limited to once every three months
	Free internet banking
	Membership of the Zenith Saving’s and Investment Club
	Personalized account holder cards and piggy-banks
	Receive monthly e-statements
	Free standing order/ bank drafts to pay school fees
	Participation in outdoor events such us the Zenith health walk and children’s parties
	For children between 0-12 years
	Participation in competitions to win free trips to many destinations
	Branded gifts for accounts opened with more than GHS500 in deposit
	Free access to children’s page on the Zenith Bank website
	Requirements Documentation required to open a ZECA plus account are as follows: A ZECA Plus account opening form completed by parent/guardian Means of Identification such as – passport/driver’s license/voter identification card of parent/guardian who will operate the account on behalf of the child Two passport pictures of parent/guardian and that of the child(ren) Mandate cards completed by parent/guardian
.

Cheque and Save

This account is available to clients 18-years and older and offers a secure, attractive method of saving funds at a competitive rate, while at the same time allowing for immediate access to funds via our in-house cheque clearance system.


Benefits:
	Attractive interest rates on deposits.
	Ideal for infrequent users of traditional banking services.
	Allows the flexibility of a third party cash withdrawal at any of our branches.

Foreign Exchange Account ( FEA )

We offer our clients foreign exchange current accounts to facilitate smooth business transactions in the major trading currencies.


Benefits:
	It allows customers flexibility to transact business in foreign currency.
	It eliminates the need to carry large amount of cash.
	A secure depository for foreign currency.
	* Overdraft facilities are available.
	Cheque facilities for easier payments.
	It enhances easy payments for purchases of goods and services.
	Funding from any sources – transfers (onshore, offshore) cash or cheques.
	Available in USD, EURO, GBP.
	Electronic banking Services are available on this account.
	* Terms & conditions apply.

Foreign Currency Account ( FCA )

Foreign currency accounts are available to clients who regularly receive remittances from offshore sources. Funding of this account is restricted to inward remittances and offshore cheques.


Benefits:
	It gives our customers the flexibility to transact business in foreign currencies.
	A secure depository for foreign currency.
	It facilitates easy payments for purchases of goods and services.
	Cheque books are provided on this account to facilitate transactions.
	Available in USD, EURO, GBP.
	Funds can be withdrawn or transferred offshore without requiring approval from Bank of Ghana ( BOG ).

Call Accounts

This is an investment for an indefinite period, which may be withdrawn on demand.


Benefits:
	Competitive interest rates.
	Daily interest accrual.
	Guaranteed liquidity of investment.
	Very flexible and accessible money market product.
	Tiered interest rates according to deposit amounts and call tenor.
	Call/Current account sweep facility.

Fixed Deposits.

An investment vehicle where funds or deposits are locked in for a specific fixed period at a fixed interest rate.


Benefits:
	Guaranteed liquidity of investment.
	Interest is paid upon maturity of the investment.
	Competitive interest rates
	Tenors of 30 days, 91 days, 182 days, 1 year and 2 years are available.
	Funds may be rolled over upon request.

Treasury Bill Investment Services

Treasury bills (T-bills) are government backed securities issued by Bank of Ghana usually with maturity periods of 91 days, 182 days or a year. T-bills for longer periods (1 year Treasury note, the 2 year Treasury bond and the 3 year Treasury bond) are also available. Treasury bills are made available at all the branches of Zenith Bank and investors are given the following :

Roll over only the principal amount and receive accrued interest.
Roll over both the principal and the accrued interest.

Zenith Bank will provide timely updates and investment advice to enable you to effectively manage your portfolio.

Zenith Investment Savings Account ( ZISA )

This is an investment instrument to build up adequate financial resources for the purchase of motor vehicles, landed properties or to start up a private venture.

Benefits:
	Investment Advisory services are available.
	Any amount above the minimum monthly contribution may be deposited at any period in time after establishment of the account..
	Minimum investment tenor of 12 months .
	Highly competitive and attractive Interest rates.

Zenith Pay Advance Salary Scheme ( Z-PASS )

With Z-PASS you can have access to a maximum of 80% of your net monthly salary in advance.


Benefits:
	Easy access to short term funds to augment personal finances.
	Up to 80% of the monthly salary can be advanced.
	The applicants will also benefit from our world-class customer service.
	The facility can be repaid within three months.

* Terms & conditions apply.

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E-mail:
info@zenithbank.com.gh

Telephone: +233-302-611500 - 29
Fax No. +233-302-660760
Toll Free Number:-

0800 10100

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