CURRENT ACCOUNT
A current account is an account for day-to-day use. Two or more people can set up a current account together and call it a joint account. It works like a current account except each person has a cheque-book and card.
Welcome to Kwamanman Rural Bank
+233 - (0) 501489671
info@kwamanmanruralbank.com
P. O. Box 36 Kwamang
Kumasi, Ghana.
Mon - Fri: 8 am - 4 pm
Sat & Sun : CLOSED
Products & Services
We are your best choice
Kwamanman Rural Bank is a locally-owned bank. That means we make decisions right here with an eye on the future of our customer and our community. Because we live here, too, we know more about prospective customers than just the financial numbers that appear on an application. We are your neighbors. Kwamanman Rural Bank lenders are different. Unlike many banks, we focus on your entire financial situation to help you make decisions. We take the time to help you plan and budget for your annual needs.
Kwamanman Rural Bank service is second to none. Our customer service representatives greet you with a smile and take as much time as necessary to help you get answers to your questions. And when you don’t have time to visit us, our cutting-edge technology allows you bank from anywhere.
We continue the intent of our founders to be a bank that instills pride in its communities. We are relevant and supportive corporate members of our towns.
CURRENT ACCOUNT
SAVINGS ACCOUNT
FIXED DEPOSIT
SALARY LOAN
SUSU ACCOUNT
FEATURES
- Cheque book provided
- Customer can withdraw cash on demand
- Minimal commission on turnover (COT)
- Provides access to loans and overdrafts
- SMS alert services provided on all deposits and withdrawals
SAVINGS ACCOUNT
A small opening balance required, no notice of withdrawal needed and no need to ensure that regular payments are made. Savings accounts produce a steady and certain return.
FEATURES
- Customer makes deposits on any working day
- Accounts attract interest periodically at a rate which varies with minimum balance maintained and other industry indicators.
- Customized savings withdrawal book provided upon request
- SMS alert services provided on all deposits and withdrawal transactions
FIXED DEPOSIT
A Fixed Deposit is an investment account where money is deposited for a fixed period and the interest rate does not change. A Fixed Deposit offers higher interest rates than ordinary savings accounts and is ideal if you want to save for a specific goal, like a wedding or a holiday.
FEATURES
- Amount of investment is determined by client.
- Period of investment is determined by client.
- Interest rate which is negotiable is determined upfront.
- No commission on turnover (COT).
- No account maintenance fee.
- No charges on premature termination.
SALARY LOANS
These loans are available to all account holders who process a regular income from their employers. Ideal for those who earn a regular salary income through their employment.The loan can be used for Schools Fees, Medical Bills, Purchase of household items, Spare parts etc.
FEATURES
- Unparalleled and competitive interest rate.
- Unsecured loan.
- Accessible to virtually any purpose.
- Fixed interest rate and monthly deductions.
- Loan tenure between 12 months and 36 months.
- Have an account with at least one (1) month salary credit.
SUSU ACCOUNT
This innovative product allows people with small cash holdings and those who find it difficult to leave their homes and work places the unique opportunity to save with the bank.
FEATURES
- Customer makes deposit with any amount.
- Door step banking provided by dedicated Mobile Bankers.
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MMOFRA DAAKYE
SALARY ADVANCE
COMMERCIAL LOAN
LENDING PRODUCTS
E-Banking
MMOFRA DAAKYE
A Savings Account that can only be opened by parents and guardians in trust for their children or wards, to save towards the child's personal and educational upkeep. All that one requires is to have an account with us and he or she can run this investment account towards the wellbeing of their children.
FEATURES
- High interest yielding investment account on behalf of children and wards.
- No commission on turn over (COT).
- No account maintenance fee.
- Investment to be maintained for a minimum of three (3) years.
SALARY ADVANCE
Personal overdraft tailored to meet your cash flow needs if you earn a salary. It is a cash bridging facility against your next pay cheque or salary credit. It is designed to help cover small but urgent unexpected expenses between pay days.
FEATURES
- Unsecured personal soft loan
- Fixed interest rate
- Fast and flexible to meet your need
- Accessible for virtually any purpose
COMMERCIAL LOANS
A commercial loan is a debt-based funding arrangement between a business and a financial institution, typically used to fund major capital expenditures and or cover operational costs that the company may otherwise be unable to afford.
FEATURES
- Accessible for commercial purposes
- Fixed rate
- Loan tenure between 12 months to 36 months
- Simple Secured Loans easy to arrange
LENDING PRODUCTS
This is a product targets enterprenuers who are the pieces in the development of the economy. This product seeks to empower them with the tools they need to build and grow their business. This products include Consumer Loans, Trade Financing, Education Financing, Funeral Loans, Susu Loans, Car/ Transport Loans, Agro Loans etc
FEATURES
- Loan tenure between 12 months to 36 months
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E-Banking
Transfer of money to every nook and cranny of Ghana made possible through over 130 RCBs countrywide, the single biggest network of banks so far. It is fast, safe and convenient. International Money Transfer: Receive your foreign remittances from any of our branches courtesy of Western Union, Money Gram etc.
Services Packages
- E - ZWICH
- MOBILE MONEY
STEP ACCOUNT
VeGLS
CoFLS
SUSU LOANS
BIG SIX MICROFINANCE
STEP ACCOUNT
This is a special loan product for customers who are interested in transport business. We offer home used Toyota vitz to customers at affordable prices. Target market includes transport unions, taxi/commercial drivers, government workers, entrepreneurs etc.
FEATURES
- Interested person should be an account holder by opening STEP account.
- The duration of the loan shall be eighteen (18) months - twenty four (24) months.
- Interest rate is 30% per annum flat rate
- Customers shall provide half the price of the vehicle and the remaining half granted as STEP loan to top-up his or her deposit
VeGLS
This is a special loan package for vegetable growers. Members should be vegetable farmers who are already in business.
FEATURES
- 25% of the requested loan amount is required in the account.
- Loan repayment shall be one time or bulk payment.
- Loan duration is for six (6) months and disbursement shall fall within Feb and March.
- Officers shall visit customer’s farms for physical inspection and also prepare scale report.
CoFLS
This is a special loan package for cocoa farmers in the cocoa growing areas. Members should be cocoa farmers who harvest cocoa beans at every cocoa season. They can either be in groups or individuals.
FEATURES
- They shall be account holders.
- 25% of the requested loan amount shall be deposited in the account.
- Loan duration shall be for six (6) months and disbursement shall fall within May and June.
- Interest rate shall be 22.5% for the six months duration.
SUSU LOANS
Our loan delivery services is superb since we treat our customer demand as a matter of urgency. We also promise the cheapest rates for all category of loans. We also have emergency loans known as salary and susu bonanza. These loans is delivered less than 24 hours.
FEATURES
- Unparalleled and competitive interest rate.
- Unsecured loan.
- Accessible to virtually any purpose.
- Fixed interest rate and monthly deductions.
- Loan tenure between 12 months and 36 months.
- Have an account with at least one (1) month salary credit.
BIG SIX MICROFINANCE
Big Six Microfinance Loans are soft loans for group of businesses. Members should be residents and above 18 years. Group Membership ranges from 4-6.
Services Packages
- Members should be in an existing business or trading activity.
- Members should be account holders.
- Group will be trained for 4 weeks.
- Loan interest is 22.5% for 6months.
