The document outlines various fixed deposit and savings account products offered by MTB, including terms for opening accounts for individuals, minors, businesses, and NGOs. Key features include interest rates, loan facilities, premature encashment options, and minimum deposit requirements, with specific plans targeting education savings and expatriates. Each product is designed with unique benefits such as monthly income plans, double saving opportunities, and linked overdraft facilities.

1. CustomerServiceExecutive

2. MTB Fixed Deposit

3. MTB Fixed Deposit (Cont’d)
 Fixed Deposit (FD) account shall be opened in the name of adult
individual singly or jointly.
 It can be opened in the name of minor with the legal guardian.
 It can be also opened by Business Concern, Club, Association, Society,
Company etc.
 It shall be opened for a period of one month and above.
 Interest on FD account shall be payable at the rate fixed by Corporate
Head Office (CHO) from time to time depending on the period of
maturity.
 Fixed Deposit Receipts (FDR) are neither transferable nor negotiable.
 Interest accrued FD account shall be paid only on maturity of the
instruments
 Customer can avail Over Draft (OD) facility and credit card facility against
FDR up to 90% of its value.
Features & Benefits:

4. MTB Fixed Deposit (Cont’d)
 Interest Rates on Fixed Deposits:
N. B.: Aforesaid FD interest rates are effective February 28, 2017

5. MTB Fixed Deposit
 Premature Encashment of FD Account:

7. Monthly Benefit Plan
 Features and Benefits:
 The minimum deposit is Tk. 100,000/= or in multiples there of
 There is no upper limit
 This plan is for 3 (three) & 5 ( Five) years term that cannot be changed
subsequently
 You will require to open a savings/current account. Monthly income will
be credited to your account
 Sample Return Table:

9. Brick By Brick
 Features and Benefits:
 No initial deposit required
 Monthly installments are Tk. 500/=, 1,000/=, 2,000/=, 5,000/= and thereafter in
multiples of Tk. 500
 The savings periods are 3,5, 8 and 10 years
 No hassle of depositing money from long queue, rather option of depositing
installment through standing instruction.
 Monthly installment & Maturity Amount:

11. MTB Millionaire Plan
 Features and Benefits:
 An individual or institution is an NGO or an educational institution or a
Trust or Society or any other institution may invest for savings in this
scheme with different installment sizes. At maturity depositor will get
Tk. 10,00,000/-.
 Installment tenure is available with 6/8/10/12/15/20 years
 Loan facility up to 90% of the deposited amount after 1 (one year).

12. MTB Millionaire Plan (Cont’d…)
 Monthly installment & Maturity Amount:

14. Any person/persons can open this account singly or jointly.
Installment may be deposited within 20th of every month.
Installment can be made by cash/cheque or under the depositor’s instruction from
another deposit account.
Customer will be able to make advance payment but no additional interest will be
paid.
If the depositor fails to pay 3 (three) consecutive installments, the account will be
closed.
For precloser before maturity the interest will be paid at prevailing savings rate but
no interest will be paid if the depositor withdraws the deposited amount before
1(one) year.
Late fees @ 2% of installment amount or BDT 200.00 whichever is higher will be
charged per month for failure to deposit the installment in time.
The customer may avail loan up to 90% of the deposited amount. But this facility
will be effective after 1(one) year from opening the account.
MTB Kotipati

15. MTB Kotipati
 Sample Return Table:

17. MTB Education Plan
 Features and Benefits:
 No initial deposit required
 Monthly installments Tk. 1000 or multiples of Tk. 1000 but not
exceeding Tk. 20,000
 The savings periods are 4, 7, 9 and 12 years
 No hassle of depositing money from long queue, rather option of
depositing installment through standing instruction
 Overdraft facility against deposited amount with an minimum amount of
BDT 25,000.00
 No credit card is issued against lien of this scheme account

18.  Monthly installment & Maturity Amount:
MTB Education Plan (Cont’d…)

19. MTB Children Education Deposit Scheme

20. MTB Children Education Deposit Scheme
It is a savings scheme for the education of children. It will ensure the future
expenditure of their education.

21. MTB Children Education Deposit Scheme (Cont’d)
Terms & Conditions:

23. MTB Double Saver
 Features and Benefits:
 Minimum Deposit amount of Tk. 50,000/- or its multiple and there is no
limit for maximum amount
 The deposit amount will be double in 9 years 2 Months
 Customers can avail credit facility up to 90% of deposit amount
 More than one account can be opened by the same depositor
 Customer can encash the facility before maturity

27. NRB DPS is a monthly installment base savings deposit product in Bangladeshi Taka for
individuals. It is specially designed for NRBs and their nominated beneficiaries.
Features and Benefits:
•NRB Deposit Pension Scheme is a new deposit product for NRBs as well as new
concept since there is no separate or any pension scheme for the NRBs
•Installment slab: 500/-, 1000/-, 2000/-, 5000/- and can be multiple of 500/-
•Monthly installment will be deposited automatically from NRB savings account.
•Highest interest rate than other deposit products. For present interest rate, please
click on Rate
•Loan facilities up to 80% of the deposit amount. Minimum loan amount will not be
less than BDT 25,000/-.
•Early encashment facility
•Maturity: Period option 5 & 10 years

28. Apply Eligibility:
Only NRBs (Non Resident Bangladeshi) may open this account in their own
name or the name of the beneficiaries.
A linked NRB Savings account is also need to be opened.
More than one account can be opened by the same depositor at the same
branch.
Required Documents:
Bank prescribed account opening form duly filled up
Three passport size photographs of the applicant
Copy of Passport, work permit and salary certificate of NRB
Copy of Valid Photo ID of the applicant.
Nominees photograph (One Passport size Photograph for each nominee.

30. Features and Benefits:
If you believe in long-term investments and wish to earn higher interests on your
savings, Now is the time to invest your money in our NRB Fixed Deposit (NRB FDR).
Tenor of NRB Fixed Deposit: Duration may be One month, Three Months, Six
Months or One Year.
Automatic renewals: Upon maturity, your deposit will be automatically renewed for
the same tenor at the prevailing interest rate unless you instruct otherwise.
Overdraft facility: You can use your NRB Fixed Deposit as collateral to apply for an
overdraft facility at a competitive rate.
Premature Encashment Option: Customer can withdraw deposit before maturity.
 Sample Return Table:

31. Apply Eligibility:
Any NRB who is between 18 to 65 years of old can open this account.
The NRB must have valid residence visa/work permit.
Required Documents:
Bank prescribed account opening form duly filled up (Download)
Photo: 2 passport size
Nominee Photo: 1 pp size attested by account holder (attestation on the reverse side)
Identification: Photocopy of Valid passport (6 pages) with due attestation. In case of
foreign passport attested photocopy of ‘no visa required for travel to Bangladesh’ page
required.
Valid Visa: Entry VISA with due attestation. If it is in any other language other than
English, no translation is required.
Address Proof: (If Any) – Resident Permit/ Work ID.