About Personal Banking

Personal Banking provides convenient banking products and services designed to meet all your personal financial needs. With a focus on building and nurturing long-term relationships with our customers, USB Private Banking has personalized its banking products that ensure ease of operation, convenience and efficiency. All products are tailored, taking into consideration, the real needs of our customers, to offer them tangible benefits by banking with USB Private Banking.

Personal Accounts

Our Personal banking services offers four convenient customer accounts to meet specific needs of our customers. Select any of our Personal Banking products or Call our Customer Care Centre to find out more about the option that suits your requirements.

Current Account

Our straight forward, no hassle Current Account allows for simplicity in everyday banking transactions, such as cash deposits, withdrawals, incoming and outgoing transfers and direct debit and credit payment orders. Current Account holders can conveniently arrange standing orders and also borrow cash against an overdraft facility. Account access conveniently available online through internet banking or through secure phone-banking. The Current Account can be opened by US residents and non-residents with a valid visa or establishments with a valid US trade license.

Savings Account

An easy option to save and manage your money, USB Private Banking's Savings Account offers the benefit of earning interest on your deposit balance. Interest is calculated monthly and credited every six months to your account. Savings Account holders will receive an international Debit Card, free internet banking access and monthly statements. Additionally, they can also access their account information through phone banking.

Savings Account holders only have to maintain a minimum balance of $3,000 to avail all benefits free of charge. Saving Accounts can be in a choice of currencies including EUR and GBP.

Available for minors, non-US residents also may be considered on a case-by-case basis subject to approval.

Super Saver Account

An account that pays a high interest rate on your savings and provides easy access to your money and unlimited withdrawals. Interest is credited to the account every month based on the actual daily balance in the account which provides you the flexibility to access funds when in urgent need of funds.

Deposits Accounts

USB Private Banking offers value-added deposit account options for customers that will yield tangible benefits. The deposits can be maintained as per the choice of the customer.

Please choose a deposit account option that meets your financial needs, and visit our branch or call our customer care centre for more details to maintain a deposit with USB Private Banking.

Fixed Deposits

For a simple, effortless and convenient way to make your money grow judiciously, USB Private Banking's Fixed Deposits is your clear option.

With a minimum deposit of $10,000 for a specified period of time - one month and above - Fixed Deposit holders can enjoy attractive rates of interest. They can open any number of fixed deposits with the bank. The deposits may also be made in a choice of currencies including Euro and GBP.

Account holders can provide standing instructions on deposit renewal and payment of interest. They also have the provision for a revolving overdraft facility of up to 90 per cent of the deposit amount. US resident and non-resident individuals, firms, institutions, clubs and government departments can apply for fixed deposits.

Call Deposit Account

A unique banking product, USB Private Banking's Call Deposit Account provides customers the flexibility and conveniences of a Current Account and the earning potential of a Fixed Deposit. Interest rates are calculated on a daily basis, thus earning higher returns on your deposit.

Deposit holders also have the convenience of withdrawing the money at a days notice with no bank charges involved.

Call Account holders only have to maintain a minimum balance of $50,000 or its equivalent in Euros and GBP.

Loans

USB Private Banking supports its customers in meeting their financial requirements through convenient loans. Listed are some of the loan options provided by USB Private Banking. Please select your requirement and contact our branch or call our customer care centre to avail of a loan, subject to completing all formalities.

Personal Loan
Turn your dreams into reality with a USB Private Banking Personal Loan; we believe that borrowing should be made simple.

Features and benefits:

Highly competitive interest rates starting from 4.75% p.a.
Loan amounts that suit your needs.
Finance up to 20 salary multiples.
Credit Cards and Overdraft facilities.

Car Loan
With great value motor insurance, a free for life credit card and quick approval processes, this is one car loan everyone will be happy with.

Features and benefits:

Highly competitive interest rates starting from 2.5% p.a.*
Finance up to 80% of the vehicle value.
Flexible payments up to 60 months.
Free for life Credit Card.
Competitive motor insurance rate.

Home Loan
USB Private Banking provides Home Loans to all residential completed properties entitled for land and mortgage registration across the US.

Features and benefits:

Highly competitive interest rates starting from 3.75% p.a.*
No salary transfer required.
Life insurance cover.
Free property insurance including home content.
Free for life Credit Card.
Free property valuation for loan takeover applications (Buyout).

Credit Cards

USB Private Banking offers simple, convenient and value for money Credit Cards that helps pay for life's necessities. Tailor made to meet your needs, be it a low interest rate or no annual fees Credit Card, USB Private Banking cards are exactly what you need for exactly what you want.

The USB Private Banking Low Rate Visa Platinum Credit Card is exactly what you need, for exactly what you want. With an interest rate of just 1.5% p.m. you can save money by spreading the cost of larger purchases or by transferring balances from other cards.

With no annual fees, the USB Private Banking Fee Free MasterCard Titanium Credit Card is light in your pocket. A simple, convenient card that helps pay for life's necessities.

The Rewards MasterCard Platinum Credit Card provides you with access to one of the most comprehensive Rewards programs in the US - allowing you to spend on what you need, to get exactly what you want.

Insurance

Enjoy peace of mind with USB Private Banking's insurance services, offering customers support and security in the case of unforeseen circumstances.
For further information on Brancassurance or any other Personal Banking products, please visit your nearest branch or email: info@usbpba.com

Motor Insurance
Protection Plans
Savings Plans
Investment Plans

Debit Cards

A safe and convenient option with no hidden charges or interests accrued, USB Private Banking's Debit Cards can be used for accessing current and savings accounts of customers through the ATMs as well as for purchase of goods and services.

By paying in cash but without the trouble of having to make physical cash payment, Debit Cards significantly enhance security and ease of use.

USB Private Banking MasterCard Debit Cards are linked to Savings and Current Accounts that are owned by the customer. They ensure instant cash withdrawal and can be used in any domestic ATM connected to a USSwitch or any ATM in a North American country linked to NA NET or any international ATM with a MasterCard or Cirrus logo.

Transactions will be directly debited to the customer account, and cardholders can regularly monitor the card balance at any ATM or online.

Wages Protection System

To enhance the welfare of the country's workforce, the US Government has introduced a Wage Protection System, whereby salaries of employees are credited to their accounts directly. USB Private Banking is partnering in the WPS initiative by offering related services for all companies registered with the Ministry of Labour.

Companies can now pay salaries through processes that are compliant to US WPS through USB Private Banking. The advantages offered by USB Private Banking's Wage Protection System service are that companies have the option of not having to handle cash, disbursements are made speedily, and salary payments can be made through one bank instead of having to rely on different banking channels. The system is also cost-effective.

Direct Debit System

Direct Debit is a safe and convenient method of making payments and is ideally suited for regular automated payments with fixed or variable amounts such as mortgage or loan repayments, credit card re-payments, utility bills, insurance payments and subscriptions.

After the launch of USDS, customers can directly approach participating financial institutions to set up repayments through their individual respective BANK accounts.

USB Private Banking MasterCard Debit Cards are linked to Savings and Current Accounts that are owned by the customer. They ensure instant cash withdrawal and can be used in any domestic ATM connected to a USSwitch or any ATM in a North American country linked to NA NET or any international ATM with a MasterCard or Cirrus logo.

Client Benefits:
As a client you can take advantage of this service by making your recurring payments through the USDS.

Internet Banking

Our Internet Banking service gives you flexibility in managing your day to day banking needs. By choosing to manage your accounts with Internet Banking, you can take advantage of our wide range of time-saving online services, and access your accounts at anytime, day or night. With USB Private Banking Internet Banking, your bank is open to you 24 hours a day, seven days a week.

Please Contact us for further details on any of the above Personal Banking Products and Services. Email: info@usbpba.com