This is a facility offered to Management and staff members of entities that are GCB customers. The facility is intended to help the employees secure loans for their welfare and personal needs.

Features

• The Institution applies for the bulk facility from the Bank on behalf of their permanent employees.
• Accessible to both customers and non-customers of the bank
• Loan is approved for staff based on the Bank’s personal loan processes
• Facility is granted between 6months and 60 months
• Bulk repayment for all staff is made to the Bank at the end of every month.
• Interest rate is slightly lower than Personal Loan

Benefits

• Institutions are able to help improve the personal living conditions of their staff
• Win more customers to the Bank as some staff of the institutions are switched to GCB
• Deductions for repayments are done from source that reduces defaults rates.

Buy Now , Pay Later
The GCB Easy Pick is a Loan Scheme that allows GCB Bank customers to purchase products from GCB partner shops and pay for the products in installments. The products can be purchased from a wide variety of GCB Bank partnered vendors across the nation.

A Better Way To Shop
A highly accessible loan scheme for all

What you must know

• Salaried workers with a GCB Bank account

Requirements

• Must be a salaried worker
• Must have operated a GCB Bank account for six (6) months
• Three (3) months’ pay slips
• Fill an Easy Pick application form

Benefits

• Quick access to life’s necessities
• 24hr approval of loan
• Low payments
• Ability to choose from variety of vendors and products
• Quick and easy process

How to apply

• Pick up a GCB Easy Pick application form from any GCB Bank branch or any GCB Easy Pick partner shop.
• Complete and submit the application form and invoice for processing the loan at any GCB Bank branch.
• Go to vendor to pick up or arrange delivery of product
• Pick up an invoice for your product choice from the
• GCB Easy Pick vendor.
• Receive an SMS from GCB Bank communicating approval of loan.

This is a credit facility given to salaried workers (GCB account holders) within 24 hours for the purpose of meeting varied personal, family and household needs. The loan is repaid through regular installments every month for a specified period of time.

Features

• Automated loan processing
• Salaries must pass through customers account with the Bank
• Less than 24 Hrs to receive facility with all required documentation provided
• 6 to 36 months repayment tenure
• Interest rate is calculated using the reducing balancing method
• Loan can be applied for at any branch

Benefits

• Quick access to credit
• Customers receive a lump sum of money up front, allowing them to pay it back over a fixed term
• Interest rate and principal repayments are always fixed which helps in budgeting
• Top-up of facility is available

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

Key account benefits

• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

When you are running a small to medium business, you want your banking to be quick and easy. It is with GCB. We add value to your hard work by providing comprehensive banking support, whether you are just getting started or have a well established business that needs some extra help.

What you get

• Current, savings, deposit and foreign exchange accounts.
• Business debit card.
• Short to medium term loans and overdraft facilities.
• Bulk cash collection.
• Payroll solutions.
• Import and export finance.
• Letters of credit.
• Bills for collection.
• Fast and easy local and international money transfer and remittance.
• Business development and advisory services.
• Insurance solutions.
• Bonds and Guarantees.
• Corporate internet banking.

Personal business relationships

Our business development staff are trained professionals, dedicated to making your business run better. In addition to providing business and financial advice tailored to your growth plans, they can also help liaise with:

• Training and support agencies
• Organise training programmes, workshops and seminars
• Offer services on stock and credit control mechanisms
• Budgetary and costing procedures
• Lending borrowing and treasury rates
• Payroll
• And more!

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

Key account benefits

• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

What you should know

• The birth Certificate of the beneficiary should be included in the requirements.
• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

If you want to save for yourself or your family’s future, open a GCB Savings Account. Start earning interest on your balance and watch your savings grow. A Savings Account can be opened by any individual, entrepreneur, society, club, trader, business or corporation.

What you should know

• A trust deed should be included.
• One passport-sized photograph.
• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
• Utility bill
• Tenancy agreement
• Employer’s reference letter
• Initial minimum balance to be maintained at all times.

This is an account opened for students in all educational institutions.

Features

• It is a current account
• No over-the-counter transactions
• Transactions are purely based on ATM, POS, Mobile
• Banking
• No cheque book issued
• Access to other e-products
• No minimum balance required
• Minimal Initial Deposit
• Non-interest bearing account

Benefits

• Cultivate the habit of savings
• Helps to manage funds
• Easy access to funds through alternate channels
• Free ReadyCash cards, Free Mobile Banking, Free Internet Banking
• No e-service charge

What required when you apply

• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
  • Utility bill
  • Tenancy agreement
  • Employer’s reference letter
• Initial minimum balance to be maintained at all times.

A GCB Current Account gives you maximum flexibility with instant access to your funds. Designed to provide total convenience, the GCB Current Account is an easy everyday account suitable for individuals including professionals, societies, clubs and sole proprietors.

Benefits

• Convenient for frequent personal and business transactions.
• Free ATM card for individuals.
• Withdrawals may be made to the last pesewa
• Monthly statement of account (upon request).
• Instant mini-statements available from ATMs.
• Access to e-products and services
• Account holder is able to apply for credit facilities.
• Regular payments can be set up through standing instructions and direct debits.

What required when you apply

• Valid photo identity (Passport /Driver’s License / Voter ID).
• Proof of residential and postal address (any of the following):
  • Utility bill
  • Tenancy agreement
  • Employer’s reference letter
• Two passport-sized photograph.
• Initial deposit (amount to be determined by Bank from time to time)

Salary Account is a current account opened solely for employees to receive their salaries.

Features

• Targeted at all salaried workers
• Operates as a current account
• Initial deposit of GHS50.00
• Access to credit facilities
• Attracts a monthly flat fee
• No COT charged
• No interest earned on the account
• Access to E-Banking services

Benefits

• Limitless withdrawals
• Access to credit facilities
• Convenient account operations
• No minimum balance
• No COT
• Wider channels to access account
• Access to E-Banking products