Banking Fees and Charges

Charges on Accounts

(effective 1 February 2026)

Category	Frequency	Fee
Maintenance Fee – Booster Savings TT$ Maintenance Fee – Booster Savings US$	Monthly Monthly	$12 US$1.50
Maintenance Fee – EzAccess Pro Chequing Account	Monthly	$20
Maintenance Fee – EzAccess Private Plus	Monthly	$15
Maintenance Fee – Smart Business SME	Monthly	$25
Maintenance Fee – Smart Business CORPORATE	Monthly	$75
Dormant Account Fee	Annually	$50

Cheques and Drafts

Category	Frequency	Fee
Cheque Book Acquisition Fee (Retail)	Per Order (4 books/100 leaves)	$100
Cheque Book Acquisition Fee (Business)	Per Order (600 leaves)	$360
Cheque Debit Fee	Per cheque debit	$1.25
Cheque Returned Due to Insufficient Funds	Per Unit	$50
Cheque Stop Payment Fee	Per Unit	$30
Stop Payment on Foreign Currency Drafts	Per Unit	US $40
Charge Back Item on US	Per Unit	$30
Charge Back Item Foreign Exchange	Per Unit	US $10
Overdraft Fee (initial)	% of value	1% of committed amount (minimum $300)
Overdraft Renewal Fee	Annually	1% of committed amount (minimum $300)
Transaction fee per item over the authorized limit (any transaction which puts the account in excess)	Per Unit	$25
Issue Duplicate Foreign Draft	Per Unit	Nil
USD Cheque Deposit must be drawn on Citibank	Per Unit	TT$200
Cashing of Manager's Cheque		N/A

Electronic Services

Category	Frequency	Fee
ATM Enquiry	JMMB ATM	No Charge
ATM Withdrawal (TT$)	JMMB ATM	No Charge
ATM Withdrawal Declined	JMMB ATM	No Charge
ATM Enquiry	Non JMMB ATM	Not Possible
ATM Withdrawal (TT$)	Non JMMB ATM	TT$4
ATM Withdrawal Declined (NSF)	Non JMMB ATM	TT$4
Withdrawal at other Banks' ATMs Internationally		$35 (Presently not allowed)
Local POS	Per Transaction	No Charge
Declined POS (Local & International)	Per Transaction	$4
International POS (Terminals and Online E-commerce transactions)	Per Transaction	2.5% of transaction or minimum of TT$4
International VISA credits	Per Transaction	2.5% of transaction or minimum of TT$4
ATM Limit - Classic & Gold	Daily	$8000
ATM Limit (Local) - A+ Youth Account	Daily	$100
POS Limit - VISA Gold	Daily	$20000
POS Limit - VISA Classic	Daily	$10000
POS Limit (Local) - A+ Youth Account	Daily	$500
VISA Classic - Max POS Purchase International (Online)	Monthly	USD $100
VISA Gold - Max POS Purchase International (Online)	Monthly	USD $250
VISA Classic A+ Youth Account - Max POS Purchase International (Online)	Monthly	USD $75
VISA Classic Card - 1st Issue Fee	Initial	$175
VISA Gold Card - 1st Issue Fee	Initial	$250
VISA A+ Youth Account Card - 1st Issue Fee	Initial	$150
VISA Classic Card - Renewal Fee	Annual	$175
VISA Gold Card - Renewal Fee	Annual	$250
VISA A+ Youth Account Card - Renewal Fee	Annual	$150
VISA Classic Card - Replacement Fee	Per Unit	$175
VISA Gold Card - Replacement Fee	Per Unit	$250
VISA A+ Youth Account Card - Replacement Fee	Per Unit	$150
Wire Transfer Fee Outgoing	Per Transaction	$65
Wire Transfer Fee Outgoing (In-branch)	Per Transaction	$75
Wire Transfer Fee Incoming - Between Local Currency Accounts	Per Transaction	Nil
Wire Transfer Fee Incoming - Foreign Currency Accounts to TTD Accounts	Per Transaction	US $15 OR TT Equivalent
Wire Transfer Fee Incoming - Foreign Currency to Foreign Currency Accounts	Per Transaction	US $15 OR TT Equivalent
RTGS Outgoing Transaction Fee	Per Transaction	$65
RGTS Outgoing Transaction Fee (In-branch)	Per Transaction	$75
RTGS Incoming Transaction Fee	Per Transaction	Nil
Returned/ Recalled RTGS	Per Transaction	Nil

Transaction Fees

Category	Frequency	Fee
Manager’s Cheque $500K & over	Per Cheque	$130
ACH Fee Per Transaction	Per Transaction	$2
Over Counter Inter-Bank Transfer	Per Transaction	$2.50
ACH Direct Fee (Processed by Originator)	Per Transaction	$2
ACH Indirect Fee (Processed by Obo Originator)	Per Transaction	$2
ACH Credit Return Fee	Per Transaction	$20
ACH Debit Return Fee	Per Transaction	$20
Credit Bureau - Personal	Per Transaction	$150
Credit Bureau - Business (Company Registry)	Per Transaction	$100
Credit Bureau - Business (Each Director)	Per Transaction	$100
Acceptance/ Commitment Fee	Per Transaction	1.5% of loan value (minimum $500)
Late Payment Fee	Monthly	2% of delinquent amount (minimum $50)
Settlement Letter	Per Letter	$100
Refinancing Fee (Unsecured Loans)	Per Transaction	1.5% on unsecured loans, with a minimum of $500
Refinancing Fee (New Car Loans, Cash Secured Loans, and Mortgages)	Per Transaction	1% on new car loans, cash secured loans and mortgages with a minimum of $500
Early Settlement Fee (For Full Outstanding Balance)	Per Transaction	In lieu of 3 months' notice 3 months' interest
Hold Mail	Annual	$675
Manager's Cheques - Bank Customer (Online Request)	Per Unit	$20
Manager's Cheques - Bank Customer (In-Branch Request)	Per Unit	$35
Manager's Cheque Re-Issued	Per Unit	$30

Moneyline Corporate Batch Upload Fees

Category	Fee
Set Up Fees	$500
Plan A
100 Items	$100
Plan B
200 Items	$110
Plan C
500 Items	$150
Plan D
1000 Items	$200
Plan E
1500 Items	$210
Plan F
Over 1500 Items	Negotiable

Cheque Encashment

Category	Frequency	Fee
Stop Payment on Manager's Drafts	Per Unit	$30
Stop Payment on Personal Cheque	Per Unit	$30
Manager's Cheques - Non-Bank Customer (Local Draft)	Per Unit	Not Available
Cheque Cashing - Non JMMB Bank Cheque	Per Unit	Not Available
Manager's Cheques (Foreign Draft)	Per Unit	$30
Reissue Manager's Cheques (Foreign Draft)	Per Unit	$30
Manager's Cheques - Non-Bank Customer (Local Draft)	Per Unit	Not Available

Letters/ Miscellaneous Requests

Category	Frequency	Fee
Bank Reference Letter	Per Unit	$50
Statement Letter	Per Unit	$30
Letter of Non-Indebtedness/ Debt	Per Unit	$50
Embassy Letter/ Certification of Account Balance/ Special Letters	Per Unit	$50
Auditor's Confirmation	Per Unit	$125
Attorney's Request for Estate Information	Per Request	$150
Account Research/ Voucher Search	Per Request	$25
Voucher Search/ Copy Request Over 1	Per Request	$100
Voucher Search/ Copy Request Current Year	Per Request	$25
Cheque/ Copy Request Current Year	Per Request	$25 (Falls Under Account Research/ Voucher)
Cheque/ Copy Request Over 1 Year	Per Request	$100 (Falls Under Account Research/ Voucher)
Certificate of Balance	Per Unit	$50 (Classified Under Embassy Letter)
Payments Against Uncleared Effects (TT)	Per Transaction	15% PA for 4 days on the amount being requested. Minimum TT$26
Certificate of Deposit - Early Encashment	Per Transaction	2% (Current - Forfeit of Interest as Rates Below 2.0%)
Standing Order	Per Transaction	$10
Standing Order - Cheque		$10 plus $30 cost of cheque=$40
In Branch Printed Statements	Per statement cycle (monthly/ quarterly)	$30
Safe Deposit Box (Small)	Annually	$74.75
Safe Deposit Box (Medium)	Annually	$97.75
Safe Deposit (Large)	Annually	$155.25
Safe Deposit (South Park Small)	Annually	$225
Safe Deposit (South Park Medium)	Annually	$275
Safe Deposit (South Park Large)	Annually	$375
Replacement of Lost Key	Per Unit	$100
Night Bag Fee	Per Unit	$3
Processing of Night Depository	Per Deposit	0.15% of total value of deposit including cash and cheques subject to a minimum of $30. Deposit comprising of 4 or less cheques ONLY $30
New Night Safe Key	Per Unit	$100

VISA Business Debit Card

*Special conditions apply

Fee Name	Transaction Fee (TTD)
Issuance Fee	$250.00
Annual Fee	$250.00
Balance Inquiry (JMMB)	No Charge
Balance Inquiry (Local Bank)	No Charge
Balance Inquiry (International Bank)	No Charge
Mini Statement	No Charge
ATM Withdrawal (JMMB)	No Charge
ATM Withdrawal (Local Bank)	$4.00
ATM Withdrawal (International Bank)	$35.00
Declined ATM Transaction (Own Bank)	No Charge
Declined ATM Transaction (Local Bank)	$4.00
Declined ATM Transaction (International Bank)	$4.00
Point of Sale Purchases (Local Bank)	No Charge
International POS (Terminals and Online E-commerce transactions)	2.5% of transaction or minimum of TT$4.00
International VISA credits	2.5% of transaction or minimum of TT$4.00
Declined POS (Local Bank)	$4.00
Declined POS (International Bank)	$4.00
Replacement Cards	$250.00

Limit Description

Limit Description	TT Business Debit (TTD)
Cash Withdrawal International- ATM (MONTHLY)	$0.00
Cash Withdrawal Local- ATM (Daily online )	$8,000.00
Cash Withdrawal Local- ATM (Daily Offline)	$6,400.00
Cash Withdrawal Local Withdrawal- ATM No. Of transactions daily	Unlimited
Daily Deposit Limits	$30,000.00
Daily Deposit Limits Single Transaction (Online)	$9,000.00
Daily Deposit Limits Single Transaction (Offline)	$9,000.00
Daily Deposit Limits # Transaction	Unlimited
Max Daily POS purchase Local (Daily Online)	$50,000.00
Max Daily POS purchase Local (Daily Offline)	$40,000.00
Max Daily POS purchase Local No. Of transactions daily	Unlimited
Max POS purchase International (MONTHLY Online)	USD $250
Max Daily POS purchase International (MONTHLY Offline)	USD $200
Max Daily POS purchase Local # Transaction	Unlimited

JMMB Product Rates

JMMB Bank Product Rates effective April 26, 2026

Frequently Asked Questions

...about changes to our fees and charges

Why have fees been adjusted?

Our bank regularly reviews its fees and charges to ensure they reflect the current economic environment and operational costs. Recent adjustments were due to changes in the local banking environment, increased service costs and enhancements to our product and service offerings. We at JMMB strive to provide transparent communication about these changes and are committed to delivering an exceptional client experience through our products and services.

When did the new fees take effect?

New fees came into effect on November 15, 2024.

Which fees are new and which have been adjusted?

Maintenance fees on Booster Savings Accounts, In-Branch Service fees and Transaction fees have been adjusted. All fees can be viewed via our website using the link https://tt.jmmb.com/banking-fees-and-charges.

Is the monthly maintenance fee on the Booster Savings Account in addition to the annual fee for the VISA International Debit Card?

Yes. The monthly maintenance fee on TT$ Booster Savings accounts has increased by TT$2.00. Annual Fees on your Visa International Debit Cards, remain the same.

Why have rates been adjusted?

In light of overall declining rates we have reviewed the interest rates offered across all of the Bank products, and have adjusted accordingly.

Do I have to pay for transactions to another JMMB account?

No. there is no fee to transfer from JMMB to JMMB accounts.

Is there a fee at the JMMB Bank ATM?

No. There is no fee at a JMMB Bank ATM using your JMMB Bank Card.

Is there a fee at other bank ATMs?

Yes. There is a charge of TT$4.00 to JMMB Clients using other bank ATMs.

Is there a fee to make transfers to other banks through Moneyline (Online Banking)?

Yes. Transfers to other local Banks using ACH/Automated Clearing House option attracts a fee of TT$2.00 per transaction.

Is there a fee for Point of Sale (POS) transactions?

There is a charge of 2.5% of the transaction value or minimum of TT$4.00 on "Point of Sale' transactions done internationally. There is no fee on Point of Sale transactions done locally. For all e-commerce transactions (online shopping) or credits to your JMMB account, there is a fee of 2.5% of the transaction value or minimum of TT$4.00.