Enyan Denkyira 

Rural Bank

Products & services

REQUIREMENTS

 Accounts

Salary  |  Ordinary savings  |  Current  |  Susu  |  Joint  |  Trust  |  Micofinance group  |  Investments

Lets you spend less time banking - and more time living - because we know you want good service and convenient access to your money. A Personal Current Account is a flexible transactional account that comes with a chequebook and an ATM card – giving you easy access to your money through any of our branches and ATMs across the country, and also via the internet.

01

Current Accounts Requirements

​

  • You have to be at least 18 years
  • You can be a salaried worker or self-employed
  • Be a resident or non-resident Ghanaian, or resident non-Ghanaian with a valid residence permit.
  • Visit your nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport)
  • Two passport-size photographs
  • Proof of address - a utility bill less than three months old.

​

A minimum initial deposit of GHS30.00 is required to open the account. You do not need to keep a minimum balance in the account. You may have to pay a monthly service fee

Cost

Credits

Smart Loans  |  Susu Loans  |  Salary Loans  |  Micro Loans   |  Bus. & Commercial Loans  |  Overdraft   |  Speed Overdraft

We know you have lifestyle aspirations and that sometimes you need the right financing to realise your goals. Our Unsecured Personal Loans are flexible, short- to medium-term loans tailored to meet your personal financing needs such as buying household or electronic appliances, education expenses, home improvements, car maintenance, rent advance and other personal expenses.

02

Credit Requirements

​

  • You must work for an organisation profiled by us
  • You have to be in employment for at least six months and confirmed in current job role
  • You must have held an account with us for at least one month. (For salaried account holders)
  • You do not need to have an account with us for direct payroll deductions
  • Must be 21 years and not more than 60 years by facility expiry
  • Ghanaian citizen or legal resident in Ghana (expatriates)
  • Fill in the Unsecured Personal Loan application form and attach the following documents
  • Proof of income – last three months’ payslips
  • Proof of identity - passport, driver’s licence, Voters’ Identity Card
  • Proof of address - utility bill less than three months old
  • Letter of Undertaking from employer
  • Six months’ bank statements (for new customers only)
  • Passport photo (Direct payroll deduction customers only)
  • Loan will be approved subject to a positive credit bureau report

Types

1. Fixed Term Loans (FTL): A short-term personal loan is ideal if you earn a minimum net salary of GHS400 a month.

2. Revolving Term Loan (RTL): A short- to medium-term revolving personal loan if you earn a minimum net salary of GHS700 a month.

3. Employer Managed Scheme Loan (EMS): A short- to medium-term personal loan structured for salaried employees on our Workplace Banking Group Scheme who earn a minimum net salary of GHS300 a month at negotiated concessionary rates.

Type

Services

Cheque Codling Clearing (CCC)  |  Automated Clearing House (ACH)  |  Western Union Money Transfer  |  Ez-Wich  |  Apexlink transfer  |  MTN Mobile Money  |  Moneygram  |  Investments

We know you have lifestyle aspirations and that sometimes you need the right financing to realise your goals. Our Unsecured Personal Loans are flexible, short- to medium-term loans tailored to meet your personal financing needs such as buying household or electronic appliances, education expenses, home improvements, car maintenance, rent advance and other personal expenses.

03

Savings/Investments  Requirements

​

  • Be over 18 years old.
  • Visit your nearest branch with the following documents:
  • Proof of identity (valid Voter’s ID Card, driver’s licence or passport).
  • Two passport-sized photographs.
  • Proof of address- utility bill less than three months old.

​

  • A minimum deposit of GHS50.00 is needed to open an account.
  • You must keep a minimum of GHS50.00 in your account at all times

Cost

Electronic

U-Connect Mobile App  |  SMS Subscription  |  Electronic Statement   |  GH-Link ATM Cards 

We know you have lifestyle aspirations and that sometimes you need the right financing to realise your goals. Our Unsecured Personal Loans are flexible, short- to medium-term loans tailored to meet your personal financing

DEPOSIT:

i) Ordinary Savings Account

This product is designed to help our cherished customers and potential customers to save towards investment and also help them raise some startup capital to run their own businesses.

ii) Susu Savings Account

This has been designed to ensure financial inclusion by all rural folks in our catchment area and beyond. Most of our loyal and potential customers are unable to visit our banking premises to transact business mainly due to their busy schedules and it is in this regard that we have our Mobile Bankers on the field to collect their deposits no matter how small it is (GH¢1.00 and above).

iii) Current Account

Sole proprietors, SMEs, Corporate Bodies etc are encouraged to open this type of account mainly due to the high volume of transactions they handle on daily basis.

iv) Salary Account

This is designed for salaried customers only, be it controller staff or staff of a private establishment.

v) Investment Account

This account is similar to ordinary savings account and with this account, loyal and potential customers are made to invest in either Fixed Deposit or Government of Ghana Treasury Bills.

Working Hours

8:30am - 3:30pm (Mon - Fri)

Links    

Enyan Denkyira Rural Bank Ltd

P. O. Box 15, Enyan Denkyira, 

Central Region, Ghana., 

Address

  ©  Copyright 2019  -  ED Rural Bank  - All Rights Reserved - Dev by xposze

This website makes use of cookies. Please see our privacy policy for details.

OK