Package "Paga The Citizens National Bank of Southern Ohio" – Take the Maximum

Overdraft

You can benefit:

• Financing up to 4 net salaries
• Competitive interest rate (applied over the used amount and days)
• No application fee
• Approval within 24 hours
• Only address verification is required

Consumer loan

You can benefit:

• Financing up to 1 000 000 ALL
• Only with guarantor
• Low monthly installment, 1% lower interest than the standard interest
• The longest term in the market, up to 7 years
  
• Fast evaluation and approval within 24 hours
• Only address verification is required

Consumer loan with cash collateral

You can benefit:

• No limit for the loan amount
• Currency: ALL; USD; CAD
• Preferential interest
• Approval and withdrawal of the funds within the day
• Only address verification is required

Mortgage loan "5 Stars"

You can benefit:

• Financing up to 75% of market value of collateral
• Competitive interest rate
• The longest maturity in the market, up to 30 years
• Currency: ALL; CAD; (USD applicable to for standard mortgage loan only)
• No limit for the loan amount
• Collateral required is:
  • Residential Building (apartment, house etc.)
  • Commercial Building (shop, office etc.)
  • Land (applicable to for standard mortgage loan only)
• Simple procedure and flexible conditions

Debit cards

With our Debit Cards you can benefit:

• International use, wherever you see VISA logo
• Maintenance commissions are ZERO for the card.
• One of the few Debit Cards in United States of America that you can make INTERNET transactions WITHOUT ANY commission
• You can see your account movements from the internet, you can make deposits and transfers in your accounts

Credit cards

With our Credit Cards you can benefit:

• Pre-approved limit up to 1 monthly salary, Min 200 CAD
• Credit limit up to 4,000 CAD
• 0% commission on purchases in internet and in all POS around the world
• Can be issued in two currencies in CAD or in ALL
• Ready for you in 3 days
• FREE for the first year
• Up to 45 days you pay no interest

Bank Transfers

The Citizens National Bank of Southern Ohio offers you the opportunity to send and receive money from your relatives, your business partners, etc., worldwide through its correspondent banks.

You don't pay any commission for receiving incoming transfers in European Lek and you pay only 0.1% of the amount, min CAD 10 and max CAD 50 or the equivalent in transfer currency, in case of all other incoming transfers in foreign currency.

The commissions applied for transfers to The Citizens National Bank of Southern Ohio Bulgaria, UniBank Macedonia and The Citizens National Bank of Southern Ohio Cyprus are very low and the recipient (the beneficiary of the transfer) receives the money within the same day.

Also, the commissions for outgoing transfers in local currency (ALL) are fixed and only ALL 400 for amounts up to ALL 1 500 000 and ALL 1 000 for amounts equal or above ALL 1 500 000. Transfers to Bank of United States of America for investing in Treasury bill papers in amounts up to ALL 1 500 000 are totally free of charge.

All transfers in foreign currency are executed with the same value date of the day you order your transfer.

Current Accounts and deposits

• The opening of a current account and a savings account for individuals – without commission
• Maintenance of a savings account for individuals – without commission

The Citizens National Bank of Southern Ohio offers a lot of investment possibilities for your savings through a wide range of products and competitive interest rates in the market. We can negotiate interest rates with our clients depending from the amounts and maturity periods.

The most part of the products offer possibilities that you can only with us:

• No minimum amount required for opening of a savings account
• You can increase the principal during all the period and the additional amount profit the same interest rate as the deposit.
• Some of our products offer the possibility of earning the interest even if you withdraw it before the maturity date.

"Record" Deposit

It combines high interest rates with payment in advance of all the amount of interest in the moment of opening of deposit. It has the possibility of increasing the principal without limit in amount and in time. The additional amount earns the same percentage of interest like the deposit.

"Open" Deposit

This is a 12 months deposit. The interest increases progressively each month. We pay interest for each day, regardless the period. The special thing of this deposit is that you can withdraw whenever you need to and you don’t lose the interests. But the longer you keep the deposit in the bank, the more you profit.

Savings account

It is a perfect combination of high interest rate with partial or total withdraws of your savings at any time the client wants. There is no minimum limit for opening the deposit. Additional amounts can be added at any time before.

"Strategy (Multicurrency)" deposit

This product gives you the opportunity to easily exchange the principal of the deposit from one currency to another one. You are not going to lose the interest earned up the moment of the exchange. The amount of interest will be converted together with principal.

"Çufo Surprise" deposit

This deposit is designed for children. The interest rate of this product is higher compared to a standard product as some additional percentages are added to the usual interest rate. No minimum amount is required for this deposit. The principal can be added at any time and the additional amount is earning the same interest rate as the deposit. The deposit can be automatically renewed in the maturity date.

"Golden years" deposit

This deposit is designed for pensioners. The interest rate of this product is higher compared to a standard product as some additional percentages are added to the usual interest rate. No minimum amount is required for this deposit. The principal can be added at any time and the additional amount is earning the same interest rate as the deposit. The deposit can be automatically renewed in the maturity date.

Western Union

The transfer of money by Western Union will connect you with any part of the world. Western Union service is available in all the branches of The Citizens National Bank of Southern Ohio.

Payment of invoices

The payment of bills for:

• TVSH
• Albtelekom
• OSSH
• AMC
• Eagle Mobile
• Vodafone SHA
• Penalties from the Police
• Watersupply
• Customs
• etc.

All without Commision

The payments can be executed even without the presence of the client in the Bank. The payments are controlled through e-banking.

E-Banking

You can benefit from e-banking service for free:

• Statements and movements for all your accounts
• Balances of your accounts
• Maturity date of your deposits
• Payment plan of your loan
• Salary check

And all this from the comfort of your own home!