CONTACT

Head Office
Peoples Insurance Bhaban
36, Dilkusha C/A (2nd, 16th & 17th Floor),
Dhaka-1000
Phone: 9570261,9570263,9572012-3
Tel: 9570261, 9570263, 9572012-3
Fax: 880-2-9572315
 
 

Credit Card related Enquiries

IT & Cards Division
Head Office
98, Shaheed Sarani, Dhaka Cantonment
Dhaka-1206
You may contact us at the following numbers for immediate customer service, 24-hours-a-day.
Tel: 8712956, 8712951-5 EXT-333 , 8712072 – 4
Fax: 8712072-4
Email: info@trustbanklimited.com , itinfo@trustbanklimited

Interest Rate
Trust Bank offers an extensive range of products and services tailored to suit your banking needs.
Interest Rates for our main product range are as follows:
 
Deposit Products
Loan
Lending
 
Note: Interest rates are subject to change at any time without notice.

Deposit Products Interest(Yearly)

SAVINGS ACCOUNT 7%
SHORT TERM DEPOSIT 4%
TRUST MONEY MAKING SCHEME(TMMS) 10%
TRUST SMART SAVERS SCHEME(TSSS) years interest
(500/1000/2000/5000)
  3 9.58%
5 9.58%
7 9.58%
10 9.52%
TRUST DOUBLE DEPOSIT SCHEME(TDDS) 12%
TRUST DOUBLE BENEFIT SCHEME(TDBS) 10.10%
LAKHOPATI DEPOSIT SCHEME money interest years
  2390 10% 3
1280 10.47% 5
490 9.90 10
MONTHLY BENEFIT DEPOSIT SCHEME TK. 900 / lac
 
Interest on Fixed Deposit
Amount/slab wise Deposit Tenure
01 Month 03 Month 06 Months 12 Months &
above
Any amount less then TK 5 Crore 10.00% 11.00% 11.50% 12.00%
TK 5 Crore and above but less 10.00% 11.25% 11.75% 12.25%
then 10 Crore
TK 10 Crore and above but less 10.00% 11.50% 12.00% 12.50%
then 100 Crore
TK 100 Crore and above 10.00% 11.75% 12.25% 12.75%
FC DEPOSIT WAGE EARNERS J.YEN 2.5%
FC DEPOSIT WAGE EARNERS GBP 3.25%
FC DEPOSIT WAGE EARNERS EURO 3.00%
FC DEPOSIT WAGE EARNERS OTHER CURRENCIES 2.5%
FC DEPOSIT WAGE EARNERS US$ 1.75%
FC DEPOSIT EXPORTS RQ: J.YEN 2.5%
FC DEPOSIT EXPORTS RQ GBP 2.5%
FC DEPOSIT EXPORTS RQ EURO 2.5%
FC DEPOSIT EXPORTS RQ OTHER CURRENCIES 2.5%
FC DEPOSIT EXPORTS RQ US$ 2.5%
FC DEPOSIT NFCD J.YEN 2.5%
FC DEPOSIT NFCD GBP 2.5%
FC DEPOSIT NFCD EURO 2.5%
FC DEPOSIT NFCD OTHER CURRENCIES 2.5%
FC DEPOSIT NFCD US$ 2.5%
FC DEPOSIT NITA(CTF:GB) 2.5%
FC DEPOSIT NITA/NRT( CTF: EURO) 2.5%
FC DEPOSIT NITA/NRT( CTF: J.YEN) 2.5%
FC DEPOSIT NITA/NRT( CTF: OTHER CURRENCIES) 2.5%
FC DEPOSIT NFCD RQ US$ 2.5%

Loan Interest

SECURED OVER DRAFT (SOD) 13.5%

SECURED OVER DRAFT (INDUSTRIAL) 16%

TEMPORARY OVERDRAFT (TOD) 16%

CASH CREDIT (HYPO) 16%

CASH CREDIT (PLEDGE) 16%

OVER DRAFT 16%

OVER DRAFT (WORKING CAPITAL) 16%

OVER DRAFT A/C (ATM CARD) 15%

MARRIAGE LOAN SCHEME 16%

LOANS AGT.TRUST RECEIPT(LTR) 16%

HOUSE BUILDING LOAN (HBL) AGAINST COMMUTATION BENEFIT 11%

HOUSE BUILDING LOAN(HBL) RESIDENTIAL 11%

HOUSE BUILDING LOAN(HBL) COMMERCIAL 16%

HOUSE BUILDING LOAN(HBL) MORTGAGE 11%

CONSUMER DURABLE SCHEME 17%

PACKING CREDITS(PC) 13%

LOAN OTHER 16%

GENERAL LOAN(SETTLEMENT A/C) 16%

CONSUMER DURABLE SCHEME (CDS) 17%

MICRO CREDIT(RECONST & REPAIRING OF DWELLINGG HOUSE) 12%

LOAN AGT.CASH COLLATERAL 13.50%

TRUST MONEY MAKING SCHEME(TMMS) LOAN 13%

TERM LOAN(GENERAL) 16%

TERM LOAN(COMMERCIAL) 16%

TERM LOAN(INDUSTRIAL) 16%

TIME LOAN 16%

SMALL LOAN 16%

LOAN AGT.IMPORTED MERCHANDISH(LIM) 16%

EXPORT CASH CREDIT 16%

CAR LOAN(OTHERS) 16%

CREDIT CARD OUTSTANDING(LOCAL) 16%

CREDIT CARD OUTSTANDING(INTERNATIONAL) 1%

CAR LOAN(NEW) 15%

CAR LOAN(RECOND) 15%

CAR LOAN(MINIBUS,TRUCK) 15%

HOUSEHOLD DURABLE LOAN 15%

DOCTORS’ LOAN 15%

ADVANCE AGAINST SALARY 15%

ANY PURPOSE LOAN(OTHERS) 16%

HOSPITALIZATION LOAN 15%

EDUCATION LOAN 15%

TRAVEL LOAN 16%

CNG CONVERSION LOAN 16%

APAN NIBASH LOAN 13%- 14.50%

PAYMENT AGAINST DOCUMENT 15%

FOREIGN DOCUMENTARY BILL PURCHASED(FDBP) 1%

LOCAL DOCUMENTARY BILL PURCHASED(LDBP) 15%

INLAND BILLS PURCHASED(IBP) 16%

INLAND DOCUMENTARY BILL PURCHASED(IDBP) 15%

TRUST TARGET TK 50,000 SCHEME 14.20%

EXPORT CASH CREDIT 16%

Sector wise lending(s) Lending Mid Rate(s)

Agriculture / Agro-based Industry :  

Loan to primary producer 10.50%

Loan to Agricultural Input Traders /Fertilizer Dealers / Distributors 10.00%

Agro processing industries / firms 10.00%

Large & Medium scale industry : (Term Loan) 14.50%

Working capital :  

Jute 11.00%

Other then Jute 14.50%

Export Finance :  

Jute & Jute products 7.00%

Other exports 7.00%

Commercial Lending :  

Loan against work order and brick manufacturing 14.50%

Commercial Loan- Garments 13.50%

Commercial Loan (Others) 14.50%

Small & Medium scale enterprises 15.50%

Term Loan :  

Small and Cottage industries 14.00%

Urban Housing (Residential) 15.00%

Urban Housing (Commercial) 15.50%

Loan for dwelling house repair and reconstruction 12.00%

(Bank's Scheme loan for low income bracket)

Transport loan 16.00%

Consumer Durable Scheme 17.00%

Car and Marraige Loan Scheme 12.00%

House building Scheme loan for serving Army Officers 11.00%

Loan against FDR issued by TBL 2.50% above FDR rate

Loan against WEDB / Savings Certificate & other allowable 13.00%

Financial securities issued by TBL

Loan against Lien of FDR / Savings Certificates / WEDBS & 14.00%

other allowable instruments issued by other Banks/Financial Institutions

TRUST BANK LIMITED

Dealing Room

For Use of the Authorised Dealer Branches of TBL

Issue Date March 15, 2009 March 15, 2009
FOREIGN EXCHANGE RATES TO PUBLIC (B. TAKA FOR 1 UNIT OF FOREIGN CURRENCY)
SELLING/ASK
CURRENCY
BUYING/BID
TT/OD BC TT CLEAN TT (DOC) OD SIGHT EXP OD TRANSFER
69.4500 69.5000 USD 68.5000 68.4500 68.4000 68.1000
99.3918 99.5618 GBP 95.3048 95.2448 95.1849 94.7750
90.6644 90.9410 EUR 86.9896 86.9350 86.8803 86.5926
0.7357 0.7368 JPY 0.6911 0.6896 0.6901 0.6869
69.4500 69.5000 ACU 68.5000 68.4500 68.4000 68.1000
59.2777 59.3899 CHF 56.6490 56.6168 56.5847 56.4317
54.7453 54.8846 CAD 52.4869 52.4577 52.4284 52.2932
USANCE EXPORT BILLS BUYING RATES (FOR 1 UNIT OF US
DOLLAR)
30 DAYS 60 DAYS 90 DAYS 120 DAYS 180 DAYS
68.0010 67.6020 67.2030 66.8040 66.0060
FORWARD RATES TO PUBLIC (FOR 1 UNIT OF US DOLLAR)
30 DAYS 60 DAYS 90 DAYS 180 DAYS
SELLING 70.0792 70.6583 71.2375 -
BUYING 68.8425 69.1850 69.5275 -
CASH AND TRAVELLER'S CHEQUE
Currency SELLING BUYING SELLING BUYING
USD 69.00 68.00 AUD 45.55 41.55
GBP 97.59 90.59 SGD 41.25 37.20
EUR 89.29 80.59 HKD 9.93 7.09
CHF 57.99 54.99 SAR 18.73 15.74
CAD 55.38 49.38 QAR 20.23 16.05
USD TCs 69.50 68.30 KWD 237.15 224.98
GBP TCs 99.56 93.96 AED 17.72 15.44
CROSS RATES
USD USD JAP.YEN SW.FR. CAD
PER GBP PER EURO PER USD PER USD PER USD
SELLING 1.3997 1.2928 97.9800 1.1852 1.2726
BUYING 1.3994 1.2926 98.0000 1.1858 1.2732
LIBOR RATES(USD)
1 Month 2 Months 3 Months 4 Months 6 Months 12 Months
0.5556 1.0113 1.3156 1.5750 1.9019 2.2269
Note: Above rates are indicative only. In case of Sale/Purchase of any foreign currencies (other than Import & Export) over 5,000.00 and
for
Sale/Purchase regarding Import & Export of any amount in any foreign currencies, please contact Dealing Room over Phone No. :9562197,
9553461 for actual rate.

Current Deposit Account

Current Deposit Account is the net flow of current transactions with no View Details
restriction, including services and interest payments...

Savings Deposit Account

A Saving Bank account (SB account) is meant to promote the habit of View Details
saving among the people. It also facilitates safekeeping of money...

Short Term Deposit Account

Short Term Deposit Account is the net flow of current transactions View Details
including services and interest payments. It is an easy-to-use...

Fixed Deposit Account

A fixed deposit is meant for those investors who want to deposit a lump View Details
sum of money for a fixed period; say for a minimum period of 30 days to
one year...
Trust Smart Savers Scheme (TSSS)
The name of the scheme is 'Trust Smart Savers Scheme (TSSS)' and an View Details
Account holder subscribing to this scheme will be called TSSS Account
holder....
Trust Money Double Scheme (TMDS)
The objective of this scheme is to double the deposited amount... View Details

Trust Money Making Scheme (TMMS)

Information about Trust Money Making Scheme (TMMS)...... View Details

Trust Educare Scheme (TES)

Students who are eligible to receive refunds from Bank are encouraged to View Details
enroll in this deposit....

Monthly Benefit Deposit Scheme (MBDS)

The benefit of the scheme will be paid on monthly basis. As such this is View Details
called Monthly Benefit Deposit Scheme (MBDS)....

Lakhopati Savings Scheme (LSS)

At the maturity the depositor will get TK. 1.00 Lac by the depositing View Details
monthly installment as per ...

Interest First Fixed Deposit Scheme (IFFDS)

Interest First Fixed Deposit works like normal Fixed Deposit. In this View Details
deposit the customer receives interest in advance...

CURRENT DEPOSIT ACCOUNT

Current Deposit Account is the net flow of current transactions with no restriction, including services and interest payments. It is an
easy-to-use, convenient current account with instant access and withdrawals to your money anywhere in Bangladesh.
Types of Current Deposit Account:

Individual, Joint
Proprietorship
Partnership
Club, Society, Trust, Autonomous Body, Govt. Deptt., Directorate etc.
Rules of Current Deposit Account :
1. A minimum initial deposit of tk. 5000/- shall be required for opening a Current Deposit Account.
 
2. Withdrawal of money by the customer from the account shall be allowed only through the leaves of the cheque book issued
by the Bank.
 
3. Signature of the customer on the cheque leaf for withdrawal of money shall have to be tallied with the specimen signature
recorded with the bank. 
 
4. Payment, in no way, shall be allowed against advance / post dated and torn cheque.
 
5. The statement of account as furnished by the Bank shall be presumed as correct, if no objection to the same is raised by
the customer within a week of receipt of the statement.
 
 6. Bank shall accept order of the customer for stop payment of a cheque and exercise utmost care for meticulous compliance
of the said order. But Bank shall not be made liable / responsible, if the said order remains unnoticed inadvertently.
 
7. Bank may, at the instruction of the customer, collect proceeds or money of the cheque etc. for credit into the account but
the same shall be accomplished at the risk and responsibility of the customer. Bank shall always take efforts for early collection
but shall not be responsible for any delay or loss, if caused in the process of collection. Cheque/instrument  will require to be
crossed by the customer before depositing the same in the account. No withdrawal will be allowed against any proceeds not yet
collected.
 
8. Bank shall take maximum care and remain alert to record exactly all the transactions of both credit and debit in the ledger
with no fault. However in case of any mistake/lapse Bank shall reserve the right to rectify the same and recover the money
from the customer without any reference/notice to the customer. Bank shall not be made liable for any loss/inconveniences
caused to the customer due to such error/mistake/lapses.
 
9. Bank shall charge incidental expenses and recover the same from the account once after every 6(six) months for
maintenance of the account. In case of closure of any account within six months from the date of opening of the same, Bank
shall deduct TK. 50/- from account prior to its closure.
 
10. Any change/alteration of address/constitution of the customer must be intimated to the bank forthwith. In the matters
relating to mailing and remittances, Bank shall consider the post office and other courier agencies as representatives of the
customer and the Bank shall not be responsible for any delay or nondelivery of mails or remittances served through such
agents.
 
11. Receipt against any cheque/money/instrument/book securities duly signned by the authorised official of the Bank shall be
considered as legal one
12. Bank shall reserve absolute right to alter/amend its own rules, regulation as well as rate of interest. This revised rule/rate
of interest shall be applicable upon the customer forthwith. Bank will, as per Govt. directives/ notification, realise VAT/ Advance
Income Tax/development surcharge/other levy at fixed rate at the end of each calender year on the basis of balance of 30th
december or otherwise as decided by the Govt. from time to time.
 
13. Bank shall reserve the right to close down any account, if the operation of the same appears to be unsatisfactory.
Moreover, Bank may close any account on other genuine grounds without assigning reason thereof.  
Requirements to apply for Current Deposit Account

Individual, Joint:

Following papers / documents are to be required for opening an account in the Individual / Joint name :-
 2 (Two) passport size photographs duly attested by the introducer

 Passport / Identify card / Employer’s certificate / Word comissioner certificate

 Introducer
 
Proprietorship:

Following papers / documents are to be required for opening an account in the Proprietorship name :-
 Introducer who maintaining an A/C with this Branch

 2 (Two) passport size photographs in each name duly attested by the introducer

 Valid Passport / Identify card (For Deffence personnel) / Word comissioner certificate in each name

 Initial deposit minimum 500/-for opening a new A/C

 Declaration of Proprietorship

 Trade license from Municipality

 TIN & VAT Certificate

 Mandate if operation by 3rd party is to be allowed.

 Account agreement form

 Partnership :

Following papers / documents are to be required for opening an account in the Partnership name :-
 Introducer who maintaining an A/C with this Branch

 2 (Two) passport size photographs in each name duly attested by the introducer

 Valid Passport / Identify card (For Deffence personnel) / Employer’s certificate / Word comissioner certificate in each name

 Initial deposit minimum 500/-for opening a new A/C

 Photocopy of partnership deed registered with registrar of firm duly attested by notary public

 Trade license from municipality

 TIN & VAT certificate

 Photocopy of registration certificate duly attested by Notary Public in case of registered firm

 Account agreement form

 Letter of partnership duly signed by all the partners, in case of non-registered firm

 Resolution signed by all the partners to open the A/C

Club, Society, Trust, Autonomous Body, Govt. Deptt., Directorate etc:
 Photocopy of Registration certificate certified by Chairman/Secretary

 Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy
should also be verified with the original by concerned Bank Officials under seal and signature
 Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the
persons who will operate the A/C
 List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary
 
Click here to download application form of Current Deposit Account.
(You have to submit hard copy of the 'Application Form' to the mentioned address,
submitting through email/internet is not acceptable.)

SAVINGS DEPOSIT ACCOUNT

A Saving Bank account (SB account) is meant to promote the habit of saving among the people. It also facilitates safekeeping of
money. In this scheme fund is allowed to be withdrawn whenever required, without any condition. Hence a savings account is a
safe, convenient and affordable way to save your money. Bank also pays you a minimal interest for keeping your money with them.
Choose the savings account to suit you from our wide range of options.Enjoy convenient, instant access to your savings account at
your branch, over the phone or via the internet. These accounts have attractive interest rates.
Types of Savings Deposit Account:
Individual
Joint
Club
Society
Others
Rules of Savings Account
1. A. Any person/persons of the age of majority and sound mind can open account single or jointly. The balance shall be
payable to him/her/them or the survivor of the joint account. A guardian can open such account on behalf of a minor.

B. Clubs, Societies and other similar organisations can open such account on production of their Bye-Laws, Articles of
Association, and resolution thereof.
 C. Introduction is necessary while opening Savings Account
2. No one shall be allowed to open more than one Savings Bank Account in the same name into a particular branch.
 
3. Every Savings Bank Account shall have a separate account number.
 
4. Withdrawl of cash shall be allowed only through the leaves of the cheque book supplied by the Bank.
 
5. A minimum initial deposit of TK. 500/- shall be  rquired for opening Saving  Bank Account.
 
6. Interest payable on daily/minimum balance shall be credited in June and December every year.
 
7. The interest rate is 7%.
 
8. The bank will, as per Govt. directives, realise all taxes/ surcharges/ levies at fixed rate annually or otherwise as decided by
the Govt.
 
9. Signature of the Client on cheques fro withdrawal of money must tally with the specimen signature recorded with the Bank.
 
10. In case of closure  of any account within 6months from the date of opening of the same, the bank shall deduct TK. 50/-
from the account as closing charge.
 
11. The bank reserves the absolute right to alter/amend these rules of Saving bank Account as well as rate of interest from
time to time.
 
12. The Bank reserves the right to close any account if the operation appears to be unsatisfactory or on other genuine grounds
without assigining any reason thereof
 
Requirements to apply for Savings Account

Individual:

Following papers / documents are to be required for opening an account in the Individual / Joint name :-
 2 (Two) passport size photographs duly attested by the introducer

 Passport / Identify card / Employer’s certificate / Word comissioner certificate

 Introducer

Joint:

Following papers / documents are to be required for opening an account in the Individual / Joint name :-
 2 (Two) passport size photographs duly attested by the introducer

 Passport / Identify card / Employer’s certificate / Word comissioner certificate

 Introducer

Club:
 Photocopy of Registration certificate certified by Chairman/Secretary

 Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy
should also be verified with the original by concerned Bank Officials under seal and signature
 Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the
persons who will operate the A/C
 List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary

Society:
 Photocopy of Registration certificate certified by Chairman/Secretary

 Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy
should also be verified with the original by concerned Bank Officials under seal and signature
 Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the
persons who will operate the A/C
 List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary
Others :
 Photocopy of Registration certificate certified by Chairman/Secretary

 Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy
should also be verified with the original by concerned Bank Officials under seal and signature
 Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the
persons who will operate the A/C
 List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary
Click here to download application form of Current Deposit Account.
(You have to submit hard copy of the 'Application Form' to the mentioned address,
submitting through email/internet is not acceptable.)

SHORT TERM DEPOSIT ACCOUNT

Short Term Deposit Account is the net flow of current transactions including services and interest payments. It is an easy-to-use,
convenient current account with instant access and withdrawals to your money anywhere in Bangladesh.
Types of Short Term Deposit Account:
Public Limited Co.
Private Limited Co.
Govt/ Semi Govt. / Autonomous / Corp.
Societies / Clubs. etc

Rules of Short Term Deposit Account :

1. A minimum initial deposit of tk. 5000/- shall be required for opening a Current Deposit Account.
 
2. Interest rate is 4%.
 
3. Withdrawal of money by the customer from the account shall be allowed only through the leaves of the cheque book issued
by the Bank.
 
4. Signature of the customer on the cheque leaf for withdrawal of money shall have to be tallied with the specimen signature
recorded with the bank.
 
5. Payment, in no way, shall be allowed against advance / post dated and torn cheque.
 
6. The statement of account as furnished by the Bank shall be presumed as correct, if no objection to the same is raised by
the customer within a week of receipt of the statement.
 
7. Bank shall accept order of the customer for stop payment of a cheque and exercise utmost care for meticulous compliance
of the said order. But Bank shall not be made liable / responsible, if the said order remains unnoticed inadvertently.
 
8. Bank may, at the instruction of the customer, collect proceeds or money of the cheque etc. for credit into the account but
the same shall be accomplished at the risk and responsibility of the customer. Bank shall always take efforts for early
collection but shall not be responsible for any delay or loss, if caused in the process of collection. Cheque/instrument  will
require to be crossed by the customer before depositing the same in the account. No withdrawal will be allowed against any
proceeds not yet collected.
 
9. Bank shall take maximum care and remain alert to record exactly all the transactions of both credit and debit in the ledger
with no fault. However in case of any mistake/lapse Bank shall reserve the right to rectify the same and recover the money
from the customer without any reference/notice to the customer. Bank shall not be made liable for any loss/inconveniences
caused to the customer due to such error/mistake/lapses.
 
10. Bank shall charge incidental expenses and recover the same from the account once after every 6(six) months for
maintenance of the account. In case of closure of any account within six months from the date of opening of the same, Bank
 shall deduct TK. 50/- from account prior to its closure.
 
11. Any change/alteration of address/constitution of the customer must be intimated to the bank forthwith. In the matters
relating to mailing and remittances, Bank shall consider the post office and other courier agencies as representatives of the
customer and the Bank shall not be responsible for any delay or nondelivery of mails or remittences served through such
agents.
 
12. Receipt against any cheque/money/instrument/book securities duly signned by the authorised official of the Bank shall be
considered as legal one.
 
13. Bank shall reserve absolute right to alter/amend its own rules, regulation as well as rate of interest. This revised rule/rate
of interest shall be applicable upon the customer forthwith. Bank will, as per Govt. directives/ notification, realise VAT/
Advance Income Tax/development surcharge/other levy at fixed rate at the end of each calender year on the basis of balance
of 30th december or otherwise as decided by the Govt. from time to time.
 
14. Bank shall reserve the right to close down any account, if the operation of the same appears to be unsatisfactory.
Moreover, Bank may close any account on other genuine grounds without assigning reason thereof.  
Requirements to apply for Short Term  Deposit Account

Public limited company:

 Introducing the A/C by a person / company/ firm who maintaining an current A/C with this Branch

 2 (Two) passport size photographs of all the Directors duly attested by the introducer

 Valid Passport / Identify card (For Deffence personnel) / Word comissioner certificate of all the Directors

 Initial deposit minimum 500/-for opening a new A/C

 Board Resolution regarding opening of A/C & mentioning authorized persons for operation of the same

 Valid & upto date Trade license from municipality

 TIN & upto date TAX clearence certificate

 Memorandum  & Articles of association duly signed by the registrar of joint stock company with seal

 Account agreement form

 Certificate of Incorporation

 List of Directors on the company’s letter Head Pad

 Certificate of commencement of Business

Private limited company:
 Introducing the A/C by a person / company/ firm who maintaining an current A/C with this Branch

 2 (Two) passport size photographs of all the Directors duly attested by the introducer

 Valid Passport / Identify card (For Deffence personnel) / Word comissioner certificate of all the Directors

 Initial deposit minimum 500/-for opening a new A/C

 Board Resolution regarding opening of A/C & mentioning authorized persons for operation of the same

 Valid & upto date Trade license from municipality

 TIN & upto date TAX clearence certificate

 Memorandum  & Articles of association duly signed by the registrar of joint stock company with seal

 Account agreement form

 Certificate of Incorporation

 List of Directors on the company’s letter Head Pad

 Certificate of commencement of Business

Govt/ Semi Govt. / Autonomous / Corp, Societies / Clubs. etc:
 Photocopy of Registration certificate certified by Chairman/Secretary

 Copy of constitution/ Bye Laws of the Club/ Society/ Association duly certified by Chairman/ Secretary. Certified copy
should also be verified with the original by concerned Bank Officials under seal and signature
 Resolution of the managing committee/ Executive Committee authorizing opening the A/C with the Bank naming the
persons who will operate the A/C
 List of Members of Managing Committee/ Executive Committee duly certified by Chairman/ Secretary
 
Click here to download application form of Current Deposit Account.
(You have to submit hard copy of the 'Application Form' to the & mentioned address,
submitting through email/internet is not acceptable.)

FIXED DEPOSIT ACCOUNT

A fixed deposit is meant for those investors who want to deposit a lump sum of money for a fixed period; say for a minimum period of 30 days to one year and above,
thereby earning a higher rate of interest in return. Investor gets a lump sum (principal + interest) at the maturity of the deposit. Bank fixed deposits are one of the most
common savings scheme open to an average investor.

Amount/slab wise Deposit Tenure

  01 Month 03 Months 06 Months 12 Months & above
Any amount less than TK 25 Crore 9.50% 9.75% 10.00% 10.50%
TK 25 Crore and above but less than TK 50 Crore 9.50% 10.00% 10.25% 10.75%
TK 50 Crore and above but less 9.75% 10.25% 10.50% 11.00%
then TK 100 Crore
TK 100 Crore and above but less 10.00% 10.50% 11.00% 11.50%
then TK 200 Crore
TK 200 Crore and above 11.00% 11.25% 11.50% 12.00%

Make your money work for you, with one of our fixed deposit accounts. These accounts are stable and secure and carry a
government guarantee. You can invest for a one month, three month, six month or one year or above term.
 

TRUST SMART SAVERS SCHEME (TSS)

The name of the scheme is 'Trust Smart Savers Scheme (TSS)' and an Account holder subscribing to this scheme will be called TSS Account holder.
Monthly Amount payable at Amount payable at Amount payable at Amount payable at
Deposit maturity maturity maturity maturity
(3 years) (5 years) (7 years) (10 years)

500 20,897 38,514 59,801 1,00,000

1,000 41,794 77,027 1,19,601 2,00,000

2,000 83,588 1,54,055 2,39,202 4,00,000

3,000 1,25,380 2,31,100 3,58,800 6,00,000

4,000 1,67,170 3,08,100 4,78,400 8,00,000

5,000 2,08,970 3,85,100 5,98,000 10,00,000

  Terms & Conditions

1. An applicant can open TSS accounts in his own name, in his/her spouse's name or in the name of his/her children operated
by the guardian. The maximum number of TSS accounts from a single family cannot exceed five. Applicant’s having a Savings
Account with any of the branches of "TRUST BANK" will be given preference to a TSS Account. However, a customer can
directly deposit the amount in the TSS accounts also
 
2. The tenure of the TSS scheme would be 3/5/7/10 years at the discretion of the applicant
 
3. The initial tenure as chosen by the applicant at the time of opening the account is not amenable to change
 
4. The first installment may be deposited on any date of the month but subsequent installments shall have to be deposited by
the 10th day of every month. Advance payment of any number of installments is acceptable
 
 5. A Passport Size Photograph is required to open the account
 
6. Any benefit from TSS scheme may come under preview of Income Tax or Any other Levy imposed by the Government
 
7. Monthly installments will be automatically realized from the applicant's Savings Account linked with the TSS account or
direct deposit in the account
 
8. In the event of failure to pay any monthly installment, it will be sole responsibility of the TSS account holder to settle the
arrear installments before or along with the next due through a written instruction to the bank. In such case there will be a
penalty of Tk.50.00 for per installment amount to be paid with subsequent installment
 
9. No interest will be payable if encashment would be occurred within one year. If the premature encashment would be
occurred after one year in that case he/she will be entitled to get prevailing saving rate
 
10. In case of premature closure of the account Tk.100.00/-(Taka One Hundred only) will be charged as closing charge
 
11. No cheque book will be issued to the client under this scheme
 
12. If there is any Overdue/Classified loan in the name of the Account holder with "Trust Bank", then "Trust bank" shall have
the right to adjust the loan amount from the deposit which has been deposited by the account holder
 
13. Loan may be allowed up to 80% of the deposited amount but not below Tk.1,00,000/- against lien/pledge of the same
amount
 
14. Any account can be transferred from one branch to another, in that case Tk.25/- will be charged as Account Transfer Fee
 
15. In case of death of the applicant the relevant account will be closed, Nominee/ Nominees will receive the proceeds of the
account(s). If the nominee is a minor, the proceeds of the account will go to the legal guardian of the minor.  

TRUST MONEY DOUBLE SCHEME(TMDS)

The objective of this scheme is to double the deposited amount in the following way:
Deposit Value Maturity Value Years

10,000/- or multiple thereof 20,000/- or multiple thereof 6 years

Terms & Conditions

1. The name of the scheme is "TRUST MONEY DOUBLE SCHEME(TMDS)" and an Account holder subscribing to this scheme will
be called TDLS Account holder.
 
2. An applicant can open TDLS account in his own name, in his/her spouse's name or in the name of his/her children operated
by the guardian. The maximum no. of TDLS accounts from a single family cannot exceed five.
 
3. An order instrument mentioning the amount payable after maturity shall be issued favouring the depositor(s).
 
4. In case of discontinuation of the scheme, account will be settled as below:
 
Different duration Treatment Applied Rate of Interest
Less than 1 year No interest
More than 01 years but less than 03 years Prevailing interest rates on Savings Account
More than 03 years but less than 05 years Interest of first three years
More than 05 years but less than 07 years Interest of first five years
5.  
 6. The depositors may select nominees.
 
7. In case of death of the depositor, the amount at discounted rate will be payable to the nominees or in the absence of
nomination, to the legal heirs of the depositor.
 
8. Loan facility may be allowed up to 80% of deposit against lien/pledge on such instrument at Bank's prescribed rates and
rules but not below taka 50,000/-.
 
9. In case of lost instrument, duplicate instrument shall be issued as per rules of lost instrument in FDR.
 
10. Any Account can be transferred from one branch to another, in that case, TK. 25/- will be charged as Account Transfer Fee.
 
11. The depositor should fill up to Prescribed form designated for this purpose.
 
12. Interest on this scheme is subject to Income Tax/Levi/Vat etc. as and when imposed by the government.
 
13. The Bank reserves the right to make change / alternation / amendment / additions / modification etc. to the account and to
its related charges fees etc. at any time / stage without assigning any reasons whatsoever

TRUST MONEY MAKING SCHEME (TMMS)

 
Deposit Value Amount

Client's Own deposit Tk.7,500/- or multiple thereof

Bank's Contribution Tk.42,500/- or multiple thereof

FDR Value Tk.50,000/- or multiple thereof

Tenor 6 years

Installment Size Tk.855/- or multiple thereof

Interest On FDR 10.00%

Terms & Conditions

1. The name of the scheme is "TRUST MONEY MAKING SCHEME (TMMS)" and an Account holder subscribing to this scheme
will be called TMMS Account holder.
 
2. An applicant can open TMMS account in his own name, in his/her spouse's name or in the name of his/her children
operated by the guardian.
 
3. An FDR for the value combining client's own deposit and bank's contribution will be issued for three years at 10.00% which
will be automatically renewed for further one term (Three Year).
 
4. After deposit made by the client, FDR for the respective amount with 3 years maturity at 10.00% interest will be issued and
the original instrument after being duly discharged by the beneficiary will be retained by the bank under lien.
 
5. No interest will be payable if encashment would be occurred within 6 month. If the premature encashment would be
occurred after six months but less than 3 years in that case he/she will be entitled to get prevailing saving rate. If it would be
encased after 3 years but less than 6 years in that case he/she will be entitled his/her own deposit + interest on FDR for 3
years and interest at savings rate for rest period which shall be more than six months.
 
6. Installment will be started from the following month and deadline of each installment is 10th of every month.
 
 7. In the event of discontinuation of the scheme, FDR will be encashed and the proceeds of which if any, after adjusting the
outstanding loan with up to date interest will be paid to the client
 

TRUST EDUCARE SCHEME (TES)

Students who are eligible to receive refunds from Bank are encouraged to enroll in this deposit.
Terms & Conditions

1. The name of the scheme is "TRUST EDUCARE SCHEME (TES)" and an Account holder subscribing to this scheme will be
called TES Account holder.
 
2. An applicant can open TES account in his own name, in his/her spouse's name or in the name of his/her children operated
by the guardian. The maximum number of TES accounts from a Single family cannot exceed five.
 
3. A non negotiable & non transferable receipt shall be issued for the deposit under this scheme.
 
4. The deposit with interest is payable is maturity either in lump-sum or as monthly allowances for 3/5 years
starting from the completion of the term.
 
Terms Deposit Monthly Educare allowance Lump-sum
Tk. after amount
maturity with 3 years payable at
continuity maturity

3 years Tk.10,00 Tk.430 Tk.13,400

0

5 years Tk.10,00 Tk.520 Tk.16,000

0
5.
 
6. To avail of the education allowance, the depositor is required to deposit the receipt with the Bank duly discharged by him /
her with the written instruction to pay the amount to the student nominated by him / her on monthly installments basis as
stipulated the scheme. 
7. Advance against lien on such Receipt can be allowed up to 80% of the deposit.
 
8. Incase of death of the depositor(s), the amount will be payable to the nominee(s) or in the absence of nomination, to the
legal heirs of the depositor(s) on production of succession certificate.
 
9. But if the nominee after the demise of the depositor(s) intends to continue the scheme to get the monthly educational
allowance as admissible under the receipt should be surrounded to the Bank duly discharged by the nominee and duly
authenticated by the legal guardian ( incase of minor nominee ) on maturity.

MONTHLY BENEFIT DEPOSIT SCHEMES(MBDS)

The benefit of the scheme will be paid on monthly basis. As such this is called Monthly Benefit Deposit Scheme (MBDS).

Target Group
i. The benefit of the persons who intend to meet the monthly budget of the families from the income out of their deposit. It
may be retired service holders, housewife of businessman & other professionals
ii. Trust and Foundations or other associations, which award monthly scholarship/stipends to students etc
  Terms & Conditions:
i. Deposit of Tk. 100,000 (Taka one lac) and multiples thereof, but maximum Tk. 25, 00,000 (Taka twenty-five lac) shall be
acceptable under the Scheme
 
ii. The deposit shall be for a period of 05 (Five) years. The principal amount is refundable on maturity
 
iii. Profit shall be paid on monthly basis @Tk. 1,000 & net off taxes @Tk. 900 per Tk. 1,00,000
 
iv. Payment of monthly profit shall start from the subsequent month after a clear minimum gap of 30 days from date of
deposit. 
 
v. The Account holder should have a Savings Account/Current Deposit Account/Short Term Deposit Account of this Bank  to
open this deposit scheme
 
vi. Normally, the deposit will not be encashable before 05 (Five) years. But if any depositor intends to withdraw his deposit
before maturity due to certain unavoidable reasons, he would be allowed to do so in the following manner :
 
i. No benefit including interest shall be allowed for pre-mature encashment within one year
ii. If the accounts/deposits are closed/ encashed after one year of its opening, benefit shall be allowed on the deposit at the
prevailing Savings Deposit rate
iii. If the amount of monthly profit already paid exceeds the amount payable at normal Savings rate, the difference shall be
realized from the principal deposit amount, if and when necessary

 
ii. In case of death of a depositor, the A/C shall cease to be operative and the amount deposited so far shall be paid to the
nominee, as mentioned in the account opening form, and in absence of nominee, to the legal heirs of deceased as per rules in
force
 
iii. Separate Application Form specially designed for the purpose shall be obtained duly filled in and signed by the depositor. In
addition to this, the depositor must have a separate Savings Bank Account with the branch wherein the benefit on the amount
so deposited shall be credited every month
 
iv. A specially designed Receipt shall be issued for the deposit under the Scheme in the same manner as issued in case of FDR
until such receipt is developed and supplied to the branches, they will use the FDR receipt lying with them
 
v. The Receipt will not be transferable
 
vi. Advance against lien on such Receipt can be allowed up to 80% of the deposit bearing normal rate of interest prevalent at
the time on Overdraft/Loan
 
vii. In case the instrument is lost the procedure for issuance of a duplicate will be the same as applicable in case of loss of FDR
 
viii. During the period of such Overdraft/Loan, the monthly benefit shall be credited to the concerned Overdraft/Loan Account
 
ix. Income Tax, @Tk. 10% will be deducted on the income received from the deposit.

LAKHOPATI SAVINGS SCHEMES

At the maturity the depositor will get TK. 1.00 Lac by the depositing monthly installment as per following arrangement:

 Terms & Conditions:

1. Monthly installment size, tenor and terminal benefit  of the scheme will be as follows:
Monthly payable amount Duration/Period of the Amount payable at Rate of interest
(Installment in BDT) Scheme maturity (BDT)  

490.00 10 Years 1,00,000.00 9.50%

1,280.00 5 Years 1,00,000.00 10.47%

2,390.00 3 Years 1,00,000.00 10.10%

2. Interest @ 10% P.A. will be paid at monthly rest to make the amount of TK. 1,00,000.00 (One lac) for any of the above
size of deposit. Any excess or shortfall shall be adjusted at the time of final payment.
 
3. No income tax will be deducted from the interested earned.
 
4. Account in the name of minors can be opened too under the scheme.
 
5. A person can open more than one account for any size of installment in any branch of the Bank.
 
6. The specified amount on maturity at any slab shall be paid after one month from the date of deposit of the final
installment.
 
7. No installment shall be payable if encashment would be occurred within one year. If the premature encashment would be
occurred after one year in that case he/she will be entitled to get prevailing saving rate.
 
8. When a depositor fails to deposit any installment, he/she will have to pay a fine @ 5% of the overdue amount payable at
the time of depositing the next installments or maximum Tk. 20.00.  
 
9. If a depositor fails to pay 3 (Three) consecutive installments he will have to pay 5% fine of the overdue installments to
regularize the account. If they fails to pay more than 3 (Three) installments he will case to remain under the purview of the
scheme and the deposit will be treated as Savings Bank deposit and interest will be paid on the deposited amount at
prevailing SB A/C rate subject to completion of 1 (One) year of its opening.
 
10. In case of death of a depositor, the A/C will case to be operative and the amount deposited so far shall be paid to the
nominee, and in absence of nominee, to the legal heirs of deceased as per rules in force.
 
11. The depositor will have the option to choose any installment size and period at the time of opening of the A/C and will not
be allowed to change the size of installment afterwards.
 
12. The installment shall be payable by the 10th day (in case of holiday the next working day) of every month. Advance
payment of any number of installments is acceptable.
 
13. Normally no withdrawal shall be allowed before maturity, if any depositor intends to withdraw his/her savings due to
certain unavoidable reasons before 5 years, 10 years, he/she will not be allowed any benefit if the premature encashment
takes place before completion of 1 year. But the depositor shall be allowed interest on the prevailing Savings Deposit rate
after completion of 1 year from the date of opening of the account. 
 
14. Loan may be allowed up to 80% of the deposited amount against lien on the same where the deposited amount shall be at
least Tk. 50,000.00 and the interest rate of the loan shall be as per prevailing commercial lending rate of the Bank.
 
15. The Bank at its discretion may allow inter branch transfer of the A/C under the Scheme

INTEREST FIRST FIXED DEPOSIT SCHEME (IFFDS)

Interest First Fixed Deposit works like normal Fixed Deposit. In this deposit the customer receives interest in advance. The
customer does not have to wait for maturity of the fixed deposit; instead he/she can use the interest immediately and keep the
investment intact till the maturity. This is a smart scheme in the sense; depositor gets the interest first and can reinvest it.
 Customer type: Individual / Joint.

Terms & Conditions:

i. A person can open more than one account for any amount in any branch of the Bank
 
ii. Interest is payable in advance i.e. at the time of placing the deposit 
 
iii. Minimum deposited amount is Tk. 1000,000 (Taka one lac) under the Scheme. Maximum limit is no upper ceiling
 
iv. Terms of this scheme are 3/6/12 months
 
v. Interest rate is Tk. 10.00%
 
vi. Loan may be allowed up to 80% of the deposited amount against lien on the same
 
vii. Interest can be re-invested in other deposit schemes
 
viii. Principal amount can be reduced for adjusting paid interest & income tax in advance, incase of pre-mature encashment
 
ix. To strengthening the base of long term deposit and with a view to extend banking support to lower and middle income
group, we offered above type of deposit scheme
 
x. Early Encashment :
 
i. In case of premature encashment the Bank shall adjust the interest and income tax (paid in advance at the time of the
deposit & after adjustment of excise duty as & when recovered on deposit) from the principal amount. So that principal
amount can be reduced for adjusting paid interest & income tax in advance
 
ii. An account holder may encash Interest First Fixed Deposit in advance at any time (prior to maturity) by a written
application. That account holder will get back the principal amount as per the following manner :
 
i. If the account is closed within 3 (three) months the account holder will get back the self-deposited principal amount
after adjusting the paid Interest, tax & exercise duty. The customers receive interest at the prevailing rate of Savings
account only for the fraction period
 
ii. If the account is closed after 3 (three) months but before 6 (six) months, the account holder will be entitled to get
back the deposited principal amount (after adjusting the paid Interest, tax & exercise duty if applicable) along with the
IFFD interest for the previous completed term (i. e. 3 months) and the savings interest rate for the rest fraction period
 
iii. If the account is closed after 6 (six) months but before 12 (twelve) months, the account holder will be entitled to get
back the deposited principal amount (after adjusting the paid Interest, tax & exercise duty if applicable) along with the
IFFD interest for the previous completed term (i.e. 6 months) and the savings interest rate for the rest fraction period
 
iv. After completing the full term or at the maturity account holder will be entitled to get back the principal amount only

Look into your pocket. Is there a Trust Debit Card? If yes then you are free to move anywhere round the clock all over Bangladesh
without carrying cash. Even the card can be used without a secret code (PIN) in departmental stores, shopping centers or
 restaurants, petrol pump or even for paying phone bills, just like a credit card. Additionally you can enjoy overdraft facility prior to
subsequent approval. To make the life hassle-free take the Trust Debit Card without giving a second thought.
Services Linked with the Trust VISA-Electron Debit Card
 24 x 7 hours banking. Cash can be withdrawn from any VISA logo marked ATM

 Bank A/C can be accessed using the card through out Bangladesh

 Merchandises can be purchased from shopping outlet, departmental stores, and restaurants and so on by this card

 Over Draft (OD) facilities (if approved)

 100% Over Draft (OD) cash withdrawal facility can be availed

 Supplementary card for spouse and children of the primary cardholder upon request

Additional Services provided with the card

 Account balance inquiry from ATM

 Mini statement inquiry from ATM

 Utility bill payment(Currently Banglalink)

 Personal Identification Number (PIN) change facility

Conditions
 Cash can be withdrawal limit Tk. 20,000.00 to 50,000.00 by maximum four transactions a day

 Single snap cash withdrawal limit is maximum 20 thousand a day

 Personal Identification Number(PIN) can be changed no more than 2 times a day for security measures

 ATM will retract the card for every three times wrong PIN entry during transactions for security purpose. In case of
retraction, customer's nearest branch or card division must be contacted
How to Apply for a Debit Card
 Must be an account holder of Trust Bank Limited to earn the eligibility for owning a card

 Trust Debit card will be issued within 3-4 working days as per customer's interest & subsequent instructions

Pricing:
 Annual fee is TK 300

 Annual interest rate is 15%