Tabungan Kesra is a savings product for clients to select products that suit them. Tabungan Kesra has the following benefits:

1. A tiered (multirate) interest rate structure calculated using the sliding method based on the daily account balance, whereby higher account balances earn higher interest.
2. Savings book is provided.
3. Customer can do transaction at the whole Bank Mestika Offices.
4. Free monthly administration fee
5. Auto Debit Biller and Bank Mestika Virtual Account facilities are available.
6. Overdraft Safe Guard (OD Safe Guard) and Sweep are available.

Term and Condition :

1. Customer shall present the original valid identification documents, as follows:
• For Indonesian citizens (WNI), an E-KTP.
• For Foreign nationals (WNA), a KTP/KITAP/KITAS and a Valid Passport.
2. Submit the Taxpayer Identification Number (NPWP) for photocopying. If the Customer do not yet have an NPWP and have not completed the data matching process, the Customer are required to sign a declaration letter with sufficient stamp duty.
3. Customer shall complete an Account Opening Form and Personal Data Form.
4. Customer shall have a minimum initial deposit of RP100,000,-.
5. Customer shall have a minimum balance of Rp100,000,-.
6. Customer shall have a minimum balance of Rp1,000,000,- for OD Safe Guard and Sweep.
7. Account opening can only be done before the bank customer service officer.
8. Customer shall show the original savings book and ID card during withdrawals.
9. Withdrawals by non-Customer shall be accompanied by the power of attorney with sufficient stamps.
10. Transactions can be carried out at any time in accordance with the Bank’s operating service hours.
11. The interest rates are calculated at the end of the month and credited to the savings account at the beginning of the following month.
12. Income tax on interest shall be imposed in accordance with the prevailing government regulations.
13. Transactions which are not printed onto the savings book for 3 (three) consecutive months shall be cumulated into 1 (one) debit/credit transaction.
14. In case of discrepancies between the balance in the savings book and in the bank’s bookkeeping, the balance shall refer to that in the bank’s bookkeeping.
15. If the Customer passes away, the release of the savings by the heir shall conform to the prevailing laws.

Overview of Product and Service (General) Tabungan Kesra Download Here

Product Risk

1. In case of the loss of the savings book:
• Customer shall close the account at the bank where the opening has been done;
• Customer shall sign a loss declaration with sufficient stamps;
• Customer shall open a new savings account if necessary.
2. An account with a zero balance for 30 consecutive calendar days will be automatically closed by the Bank Mestika system.
3. The Bank has the rights to block a Bank account anytime based on its discretion considering any inappropriate use of the account.
4. An account that has no activity, such as balance checks, deposits, or withdrawals, for more than 360 consecutive days will have its status changed to inactive on the 361st day.
5. An account that has no activity, such as balance checks, deposits, or withdrawals, for more than 1800 consecutive days will have its status changed to dormant on the 1801st day.
6. The account balance shall be deducted if the interest is unable to cover the administration fee.

Fees

• Monthly administration fee : Free
• Inactive administration fee Rp0,-
• Dormant administration fee Rp10.000,- per month ( the average monthly balance less than Rp500,000,- )
• OD Safe Guard/ Sweep fee : Rp1.000,- per day
• Cumulative transaction printout : Rp5.000,- each page
• Account closure fee : Rp100.000,-

For more information call us MestikaCall 14083 or visit our nearest branch.