This is a hybrid investment between a current account and the fixed deposit with no maturity period. The investment can hence be withdrawn at any time without any penalty. Other benefits include:

• Catering for shorter-term investments, with flexible terms for deposits and withdrawals
• Depending on the amount, one (1) day notice is needed from our corporate and business clients before withdrawal
• Competitive interest rates for various levels of deposits
• Flexible investment maturity periods

• For SME account holders

• The initial amount to start the investment is GHS5,000.00

• No limit on number of transactions

• No monthly service charge

• Free monthly e-statements

• Competitive and tiered interest is paid based on account balance (minimum balance to earn interest is GHS200.00)

• Free sign on to CalNet, HerMes Online Services (HerMes App & *771#), HerMes E-Alerts.

• Access to E-Zwich Cards

• Students will also have the flexibility of converting the account to a liability product of choice after school

• All Tertiary Students from the age of 18years and above

• Must be enrolled in a tertiary or higher education institution

• Student ID Card or a copy of Student admission letter

• Initial deposit is GHS20.00

• Account can be opened instantly and operated without coming to the banking halls

• Multiple outlets to perform the needed transactions. (Online, HerMes Branches & all Visa and Gh-Link branded ATMs and POS)

• Easy access to funds via HerMes Payment Solutions; HerMes Mobile Banking (HerMes App & *771#), CalNet, Agent Banking, POS and ATM services