Description:
This account is intended for all employees in the public and private sectors, retirees, business owners, and clients in the liberal professions.
Features:
A checking account, also known as a demand deposit account, is an account on which numerous credit transactions (cash deposits, check deposits, transfers, etc.) and debit transactions (cash withdrawals, check payments, transfers, direct debits) can be recorded.
Benefits:
Opportunity to equip yourself with products and services
This account offers a wide range of financial products and services tailored to the diverse needs of its users. For public and private sector employees, this includes savings solutions, insurance, and budget management tools that match their income and personal plans. For example, employee savings plans or life insurance may be offered to secure their financial future. These products are designed to be easy to use and accessible via digital platforms or in branches.
For retirees, the offering focuses on products that optimize wealth management. They can access low-risk investment solutions or wealth management services to preserve their purchasing power. Options such as guaranteed return savings accounts or specific insurance policies (health, long-term care) enable them to meet their specific needs while maintaining a degree of financial flexibility.
Business owners, meanwhile, benefit from products and services designed to support the growth of their businesses. These include business accounts with cash management tools, financing solutions for equipment purchases, and business insurance to protect their companies. These products are flexible and can be tailored to the size and sector of their business.
Finally, for professionals, this account offers tailor-made services, such as cash flow management solutions for their practices or investment products that take into account their often irregular income. Access to powerful digital tools allows them to manage their finances independently, while benefiting from personalized advice to optimize their investments or professional insurance.
Accessibility to payment methods (issuance of checkbooks and bank cards)
Accessibility to payment methods is a major advantage of this account, allowing each category of users to manage their daily transactions simply and efficiently. For employees in the public and private sectors, the provision of a checkbook and bank cards (debit, credit, or prepaid) offers great freedom in their spending, whether for everyday purchases or online payments. These payment methods often come with customizable options, such as the choice of limits tailored to their income or loyalty programs.
For retirees, this account guarantees secure and convenient payment methods, with bank cards tailored to their needs, such as immediate debit cards for strict control over their spending. Associated services, such as real-time notifications and quick blocking options in case of loss, give them greater peace of mind when managing their finances.
Business leaders have access to specific payment methods, such as corporate cards that allow them to separate personal and professional expenses. These cards can be linked to expense analysis tools, thereby facilitating accounting management. The issuance of corporate checkbooks is also an asset for making supplier payments or large transactions in the course of their activities.
For professionals, the offer includes flexible payment methods, such as premium bank cards offering benefits for business travel (travel insurance, cashback, etc.). Checkbooks, often used in their interactions with suppliers or customers, are also available with customization options to meet their specific needs.
Flexible credit terms
This account stands out for its particularly flexible credit access conditions, tailored to the varied profiles of its users. For employees in the public and private sectors, this means the possibility of obtaining personal loans, consumer credit, or mortgages with simplified eligibility criteria. For example, flexible repayment terms may be offered, taking into account the regularity of their income, with competitive rates and quick processing.
For retirees, access to credit is designed to meet their needs while taking into account their financial situation. Solutions such as short-term loans for unexpected expenses or tailored credit for home improvements are available. Flexible terms include credit assessments that take into account their pensions and other income, ensuring fair access.
Business owners benefit from favorable credit terms to finance their professional projects, such as purchasing equipment, expanding their premises, or developing new products. The criteria for granting loans are relaxed to take into account the specific nature of their business, with options for deferred repayment or preferential interest rates for strategic investments.
Finally, for professionals, flexible credit terms make it possible to finance professional or personal projects despite sometimes variable incomes. For example, professional loans for the purchase of specialized equipment or the fitting out of an office are offered with terms tailored to their cash flow. In addition, revolving credit solutions or short-term loans offer them the flexibility they need to manage peaks in activity or investments.
These benefits, detailed for each category of beneficiaries, show that this account is designed to adapt to the specific needs of each user, while offering practical, accessible, and customizable solutions.
Personal checking account for employees
- Two (02) recent passport photos from the same print run
- Valid proof of identity (National Identity Card, Consular Card, ECOWAS Card, or Passport)
- Proof of income (most recent pay slip, employment contract, certificate of employment, or certificate of commencement of employment)
- Proof of residence (a copy of a water, electricity, or landline telephone bill, or a certificate of residence)
- Mailing and geographic address
- Initial Deposit: Free of charge
Personal checking account for the informal sector
- Two (02) recent passport photos from the same print run
- Valid proof of identity (National Identity Card, Consular Card, ECOWAS Card, or Passport)
- Mailing and geographic address
- Proof of residence (a copy of a water, electricity, or landline telephone bill, or a certificate of residence)
- Initial Deposit: Free of charge
Personal checking account for retirees
- Two (02) recent passport photos from the same print run
- Valid proof of identity (National Identity Card, Consular Card, ECOWAS Card, or Passport)
- Retirement certificate or pension statement
- Mailing and geographic address
- Proof of residence (a copy of a water, electricity, or landline telephone bill, or a certificate of residence)
- Initial Deposit: Free of charge
Personal checking account for self-employed professionals
- Two (02) recent passport photos from the same print run
- Valid proof of identity (National Identity Card, Consular Card, ECOWAS Card, or Passport)
- Activity declaration form, professional license, or authorization to practice
- Mailing and geographic address
- Proof of residence (a copy of a water, electricity, or landline telephone bill, or a certificate of residence)
- Initial Deposit: Free of charge