• Family time deposit with ACBA BANK OJSC will give you an opportunity to receive deposit interest amount by the end of each month and use you at your discretion.
• If you wish, you can receive a free VISA Classic/MasterCard Standard payment card, if the amount (sum), available at the moment on your deposit account, is equal to or exceeds 500,000 AMD (equivalent in foreign currency) or a free VISA Gold/MasterCard Gold payment card, if the amount (sum) available at the moment on your deposit account, is equal to or exceeds 7.5 mln AMD (equivalent in foreign currency).
• At any time, the depositor may increase the deposit amount within the validity of the deposit agreement.*
• Upon your request, a credit line may be linked to your payment card in AMD, USD and Euro, of up to 95% of the deposit amount, available at the moment on the deposit account, which you can use during the term of the deposit agreement.
• Upon request, you can obtain American Express Gold or American Express Blue cards with credit lines, by pledging a deposit, with the beneficial tariffs and terms, specified below

• In case of payment transactions from a credit line linked to VISA Classic/MasterCard Standard, VISA Gold/MasterCard Gold, American Express Gold/American Express Blue payment cards, and making repayment by the 7th, 14th and 20th of the next month respectively, the interest rate will not accrued.

* The data in the table may differ from the data, received by the deposit calculator, as the reflected data are calculated by the example of a random date.

More details:

• Time deposits
• Previous terms of deposit tariffs

* Annual interest yield as a result of application of an annual simple interest rate during the period of 365 days for a deposit of 1,000 AMD and capitalization of interests and payment frequency

• To register a deposit, the required documents are:
• Identification document
• Public service number or reference on receipt of a public service number.
• The interest amount is calculated daily on the account balance.
• Funds of the third parties may also be credited to the depositor's account, with specification of details of the depositor's account. Unless otherwise provided in the contract, a statement shall be printed out.
• The deposit is registered in the branches of the Bank.
• The Bank accrues the interest amounts on the deposit amount from the day after the date of deposit to the Bank until it is returned to the customer or the day before the deposit is withdrawn from the depositor's account for other grounds. In the event that the date of payment of the deposit and its interest amounts coincides with the Bank's non-working day, the payment shall be made on the following business day, but no additional interest shall be charged for non-working days.
• The interest amounts on deposits in foreign currency are paid in AMD at the average exchange rate of the day published by the CBA. At the customer's request, the interest amounts may be paid in the currency of the deposit.
• The Bank has the right to unilaterally change the size of payable interest on demand deposits and funds in the bank account. Unless otherwise specified, a statement shall be printed.
• In case of request of a bank deposit in AMD in writing earlier than the deadline stipulated in the time deposit agreement, the deposit and the interest rate of 1% for the days, preceding the end of deposit validity will be paid to the depositor within 1 banking day.
• In case of request of a bank deposit in foreign currency in writing earlier than the deadline stipulated in the time deposit agreement, the deposit and the interest rate of 1% for the days, preceding the end of deposit validity will be paid to the depositor within 1 banking day.
• If the amount of the time deposit is not requested after the termination of the deposit agreement or upon the occurrence of the circumstances provided for by the contract, the contract is considered to be extended with the terms of the demand deposit. Unless otherwise specified, a statement shall be printed.
• The Bank may not unilaterally reduce the deposit interest amounts, determined by the deposit contract, deposited with the term of its return upon expiry of a specified period or upon the occurrence of the conditions, provided for in the contract. Unless otherwise specified, a statement shall be printed.

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