Procedures and Services

 Tell destined to natural persons'saving Cubans and foreigners, as much in national currency as in freely convertible coin. It can open for a single headline (place mats) or for over one. In the latter case they can be Indistinct (headlines can operate separately) or United (it takes the united presence of the headlines to operate). They can have an operation for savings passbook or magnetic card.

Minimal conditions:

Initial deposit: 200.00 CUP or 50.00 CUC.
Deposits Extractions: 20.00 CUP 20.00 CUC.
Minimal balance: 50.00 CUP 50.00 CUC.

Interests:

Annual rate of the 0.5 %.

Documentation: Proof of identity, application form and signature of the adhesion contract

 Tell destined to natural persons Cubans and foreigners, as much in national currency as in freely convertible coin. Constitute a commitment between the customer and the bank to save in fixed terms (3, 6, 12, 24, 36 and 60 months). The extraction of the total sum before the appointed period implies a penalization. They can be individual, indistinct or merged.

Minimal inaugural conditions:

National currency (CUP): 100.00 CUP.
Freely convertible coin (CUC): 200.00 CUC.
Interests will pay once on time the period themselves.

Interests:

They will pay him the interests once on time the period Si the account before the agreed period closes they do not pay the interests of the period that passed.
Of not showing up the customer the day of the duedate recesses himself for similar period and total sum.

Documentation: Proof of identity, application form and signature of the adhesion contract

Certificates of deposits: Time deposits directed to natural persons Cubans and foreigners, as much in national currency as in freely convertible coin. A Certificate Of Deposit is emitted, which can be negotiated and once the subjacent contract of bailment was transferred to someone else before the period in case of needing unpaid liquidity. Constitute a commitment between the customer and the bank to save in fixed terms (3, 6, 12, 24, 36 and 60 months). The extraction of the total sum before the appointed period implies a penalization. They can be individual, indistinct or merged.

Minimal inaugural conditions:

National currency (CUP): 100.00 CUP.
Freely convertible coin (CUC): 500.00 CUC.

Documentation: Proof of identity, application form and signature of the adhesion contract.

Fixed time deposits with payment in advance of interests: Time deposits directed to natural persons Cubans in national currency. Constitute a commitment between the customer and the bank for the saving in a period of 72 months. Operate with a nonnegotiable certificate of deposit. The customer has the passed possibility of cashing interests in advance once at least one year of once the deposit was formalized. The extraction of the total sum before the appointed period implies a penalization. They can be individual, indistinct or merged.

Minimal inaugural conditions: National currency (CUP): 1000.00 CUP.

Interests:

They will pay once on time the period or of way anticipated, if the customer requests it.
If it closes before the agreed period they do not pay the interests of the period that passed.
Of not showing up the customer the day of the duedate recesses himself for similar period and total sum.

Documentation: Proof of identity, application form and signature of the adhesion contract.

 Tell destined to natural persons Cubans associated to a center of linked payment to the subsidiary where the account opens. It consists in the realization of monthly discounts of payroll in total sums agreed on with the customer to thicken a savings account. This alone type of account will be individual.

Minimal conditions:

Opening: 20.00 CUP.
Deposits: The agreed, always multiple of 10.00 and from 20.00 CUP.

Extractions:

In accounts the associated to notebooks they will be able to realize to five (5) extractions, closing he tells her in the fifth extraction. For it it will be considered a natural year, from the opening date of the account.

In accounts the associated to magnetic cards, to accomplish quite a few (4) extractions or payments in the period of a year the moment that it comes true the I take debit charge away, the interest rate of a 2.0 % to a 0.5 % will get modified, during 180 days (6 months).

Interests:

A rate of the 2.0 yearly % with a bonus of the 2.0 % will be applicable if extractions in the 12 previous months have not come true.

Documentation: Proof of identity, application form and signature of the adhesion contract

 Financings for natural persons Cubans, destined to the purchase in the commercial net of construction materials and the handheld payment of work. They grant themselves in national currency but it enables dispositions of cash in CUC to the exchange rate in use for shopping in stores. The modes to use will be simple credit and credit line.

Minimal conditions:

Minimal total sum: 1,000.00 CUP.
Monthly minimal payable total sum: 50.00 CUP.

Guarantees:

They accept the guarantees included in the legislation in use.

Documentation: Proof of identity, application form and signature of the adhesion contract.