GCB Bank PLC

Link2Home Account Opening Form your bank for life

General Account Information (Complete in block letters and tick where applicable)

Account Type Account Currency FOR BANK USE ONLY

¢ Account Branch
Savings Account Account Name
Current Account Account No.
Date D D M M Y Y Y Y
Purpose of
Account (1): Investment Transactions Personal Savings Salaries Other

Purpose of
Account (2): Investment Transactions Personal Savings Salaries Other

Investment Option: Fixed Deposit Negotiable certificate Premium certificate Other

of Deposit of Deposit
¢
Investment Currency

Source of Funds (1): Salary Personal Savings Investment Other

Source of Funds (2): Salary Personal Savings Investment Other

Personal Details

Title Dr. Mr. Mrs. Miss Other

Name
Surname First Name Other Name(s)

Maiden Name (if applicable) Mother’s Maiden Name

Gender Male Female

Marital Status Single Married Divorced Separated Widowed
No. of Dependants Children Other Physically Challenged Status Yes No
Place of Birth Date of Birth D D M M Y Y Y Y Hometown
Nationality Country of Origin Country of Residence
Profession/Occupation Email
Educational Level Undergraduate Graduate Post Graduate Not literate
SSNIT Number TIN
Mobile No.(s) Telephone No.
Name of Spouse
Spouse Employment Mobile No.:

Valid Means of Identification (Please tick and provide relevant details)

ID Type ID Number Issue Date Expiry Date
National ID
Others (Specify)

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Contact Details
Residential Address (Abroad)
Street Address

City State
Title to Residence Outright Ownership Mortgaged Rented Lease
Others (specify)
Address for Correspondence
Postal Address
Email
Mobile No. Fixed Tel. No.
Post Code
Residential Address in Ghana
House No. Street Name
City/Town Suburb
Nearest Landmark
Permanent Residential Address
(if different from above)

Foreign Account Tax Compliance Act (FATCA) Requirement For US Nationals

Tax Identification No. Social Security No.

Common Reporting Standard (CRS) Certification (sign off is mandatory for all Customers)
Are you a Tax Resident of another Country? Yes No
Declaration of Tax Residency (other than Ghana)
I hereby confirm that I am, for tax purposes, resident in the following countries (indicate the tax reference number
type and number applicable in each country).

Country/countries of tax residency Tax reference number

Declaration and Undertakings

I declare that the information provided in this form is, to the best of my knowledge and belief, accurate and
complete. I undertake to advise the recipient promptly and provide an updated Self-Certification form within 30
days where any change in circumstances occurs which causes any of the information contained in this form to be
inaccurate or incomplete. Where legally obliged to do so, I hereby consent to the recipient sharing this information
with the relevant tax information authorities.

I acknowledge that it is an offence to make a self-certification that is false in a material particular.

Customer Signature: .......................................................................................... Date ..................................

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Details of Contact Person (In case of emergency)

Name:
Relationship to contact person: Occupation:
Residential Address:
Mobile No.

Account Service(s) required (Please tick applicable option below)

Card Preference: ReadyCash Card Mastercard Standard VISA Card Classic

Prepaid card Mastercard Gold Other (specify)

Online Purchase: mastercard Secure Code Verified by VISA

Electronic Banking Preference: Internet Banking Mobile Banking

Transaction Alert Preference: E-Alert SMS Alert

Complete a separate form if you ticked any of the E-Banking services above

Statement Preference: Email Postal Collection at Branch

Cheque/Savings Withdrawal Book Requisition Yes No

Employment Details
Employment Status Employed (Public) Employed (Private) Unemployed Student
Self Employed Retired Other (specify)

Number of Years with Mode of Salary payment: Cash Cheque Direct Credit
Current Employer:
Monthly Salary/
Income (GH¢): Less than 2,000 2,000 - 5,000 5,001 - 10,000 More than 10,000
Employer’s Name
Nature of Business
Employer’s Address
Nearest Landmark
Region City/Town
Office Phone No. Mobile No.
Employer’s Email

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Beneficial Owner(s) Details (If Applicable)

(Beneficial owner is a person who enjoys the benefit of ownership even though title is in another name)
Title Dr. Mr. Mrs. Miss. Other
Full Name
Relationship to customer
ID Type ID Number

Mobile No. Date of Birth D D M M Y Y Y Y

House No. Street Name
Landmark City/Town
Occupation Region
Spouse Name
Spouse Address

Expected Account Activity

Transaction Type Expected No. of Transactions Per Month Expected Amount Per Month
Deposits (Funds inflow)
Account (1) 1-10 11-20 21 & Above 1-50,000 50,001-100,000 100,001 plus
Account (2) 1-10 11-20 21 & Above 1-50,000 50,001-100,000 100,001 plus
Withdrawals (Funds outflow)
Account (1) 1-10 11-20 21 & Above 1-50,000 50,001-100,000 100,001 plus

Account (2) 1-10 11-20 21 & Above 1-50,000 50,001-100,000 100,001 plus

Name of Associated Bus. (If Applicable)

Type of Associated Business Business Line
Associated Business Address % Holding

Account(s) Held with GCB and other banks

Name of Bank & Branch Account Name Account Number

Account Opening Mandate

Mandate authorization (Please tick as appropriate)
Sole Signatory Either to Sign Both to Sign Others (specify)

Name ..................................................................................... Signature......................................... Date ..............................

Name ..................................................................................... Signature......................................... Date ..............................

Note: In case of Joint Account, 2nd applicant is required to complete Additional Applicant Form and attach
herewith.

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Terms and Conditions (Applicable to Joint Account holders)

Survivorship Clause: Any money for the time being, standing to the credit of our joint account shall be held to the
order of the survivor(s).
Joint and Several Liability Clause: Any liability incurred by joint account holders to the Bank, whether in the form
of borrowing or otherwise shall be joint and several.

Name ..................................................................................... Signature......................................... Date ..............................

Name ..................................................................................... Signature......................................... Date ..............................

Customer's Specimen Signature (Sign three times in the box below )

SIGNATURE RECENT PASSPORT-SIZED PHOTOGRAPH

Internet Banking Application (Applicant 1)

Full Name
of Customer
Any Former
Names
Postal Address

Residential Address
Email
Nationality
Profession/
Occupation
Telephone No.
Please state all your GCB account numbers you want to be linked to this service
ACCOUNT NAME ACCOUNT NUMBER

I have carefully read & accepted the GCB Internet Banking Terms & Conditions (Overleaf).

Applicant’s Signature .................................................................................... Date ...............................................

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Internet Banking Application (Applicant 2)

Full Name
of Customer
Any Former
Names
Postal Address

Residential Address

Email

Nationality
Profession/
Occupation
Telephone No.

Please state all your GCB account numbers you want to be linked to this service

ACCOUNT NAME ACCOUNT NUMBER

I have carefully read & accepted the GCB Internet Banking Terms & Conditions (Overleaf).

Applicant’s Signature .................................................................................... Date ...............................................

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Declaration
I/We hereby apply for opening of account(s) with GCB Bank PLC .................................................... branch. I/We
understand that the information given herein and the documents supplied are the basis for opening such
account(s) and I/we therefore warrant that such information is correct.
I/We have read, understood and agree to be bound by the terms and conditions governing the operation of the
account(s). I/We further undertake to indemnify the Bank for any loss suffered as a result of any false information
or error in the information provided.

Disclosure to Credit Reference Bureaux

The Bank will obtain information about you from the Credit Reference Bureau to check your credit status and
identity. The bureau will record our enquiries which may be seen by other institutions that make their own credit
enquiries about you.
The Bank shall also disclose your credit transaction to Credit Reference Bureaux in accordance with credit reporting
ACT, 2007 (ACT 726)

Name ..................................................................................... Signature......................................... Date ..............................

Name ..................................................................................... Signature......................................... Date ..............................

For GCB Agent (Abroad) only

Customer information gathered for and on behalf of GCB by:
Name of Agent

Registered Address
of Agent
Email Mobile No.
Name of Local Supervisor (Regulator) of Agent
Email Mobile No.

Signature/Stamp of Agent ........................................................................................... Date ..................................................

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Terms and Conditions for GCB Bank PLC customers
These terms and conditions are applicable to all accounts.
Please read this page carefully. It provides you (The Customer(s)) with important information 6.5 If your cheque book gets lost, missing or stolen you must notify the Bank immediately. The
about GCB Bank PLC (GCB) Current, Savings and other Accounts. Bank shall not be held liable for any unauthorised use of your cheque book where the loss or
otherwise of same has not been notified immediately.
1. The Bank
7. ATMS/E-Banking/Mobile Banking/Internet Banking
The information on this page (and any further instructions and conditions that may be prescribed
by the Bank from time to time) are the terms of the agreement between you and GCB. When you Kindly note that the Bank has different terms and conditions applying to our digital channels,
sign the Account Opening Form you accept these terms as binding on you. mobile banking or use of an ATM and you will be required to agree separately to these terms
2. The Account before usage.

2.1 The hours of business will be advertised from time to time. 8. Overdrawn Account
2.2 You assume full responsibility for the genuineness, correctness and validity of all Overdrafts may be available to customers upon arrangement with the Bank. If you do not have
endorsements appearing on all cheques, orders, bills, notes, negotiable instruments and such arrangement and your account becomes overdrawn, the Bank may charge you an extra
receipts or others deposited in the account. fee and interest at our current rate for unauthorised borrowing. If your account does not have
enough cleared funds to cover an amount you want to withdraw the Bank may return your cheque
2.3 The account may be debited for any service charge that is set by the Bank from time to time. unpaid. The Bank reserves the right to use credit balance on your current account to set off any
2.4 All notices or letters will be delivered to the address / email supplied by you and will be outstanding exposures on any of your accounts.
considered duly delivered and received at the time it is posted. Notices in the press will be 9. Fees/Charges/Commissions/Interests
deemed sufficient for this purpose.
Customer will be liable for the payment of interest charges at the rate fixed by the Bank from time
2.5 The Bank will not be liable for funds handed over to any person other than the Bank’s Cashier to time for any sum(s) standing to the debit of the current account. The current account may also
/ Teller for the credit of your account. Any anomaly in the entries on your Bank statement be debited for the Bank’s usual banking charges, interest, commissions, etc. Until it is otherwise
must be brought to the attention of the Bank within 30 days of the date thereof and you provided by the Bank, all fees, charges, commissions and interests charged are non-refundable.
agree that failure to give such notice absolves the Bank from all liabilities arising there from. The Bank may change its fees/charges from time to time and will advise you of this by giving you
The Bank may exercise its general lien or any similar right it is entitled to by or consolidate all notice of the changes within a reasonable time before the increase/decrease takes effect.
or any of my / our accounts with any liabilities to the Bank and set off or transfer any sum or
sums standing to the credit of any one or more of such accounts or any other credit. 10.Dormant Accounts
3. Instructions If you do not operate your account for a period of 2 years, your account will be classified as
dormant. If you wish to use a dormant account, you must write/speak to the Bank and you will be
3.1 The Bank may rely on the authority of each person designated (in a form acceptable to the taken through the steps to take in getting your account re-activated.
Bank) by the Customer to send Instructions or do any other thing until the Bank has received
written notice or other notice acceptable to it of any change from a duly authorized person 11. Termination of Agreement
and the Bank has had a reasonable time to act (after which time it may rely on the change).
11.1 Either party may terminate this agreement at any time by notifying the other in writing.
3.2 The Bank is not responsible for errors or omissions made by the Customer or the duplication
of any Instruction by the Customer and may act on any Instruction by reference to an account 11.2 Where customer is terminating the agreement, the termination becomes effective where any
number only, even if an account name is provided. cheques and amounts carried on the account have been paid and all cheque books and cards
issued to customer are returned to the Bank. Where the Bank is terminating agreement and
3.3 The Bank may act on an instruction if it reasonably believes it contains sufficient information. the account is overdrawn, customer must pay all sums outstanding on the account otherwise
3.4 The Bank may decide not to act on an Instruction where it reasonably doubts its contents, the Bank may take appropriate legal action for recovery.
authorization or origination and will promptly notify the Customer (by telephone if 11.3 All mandatory documentation should be completed within (2) months of opening the
appropriate) of its decision. account. If you do not provide the required documents within two (2) months, written notice
3.5 If the Customer informs the Bank that it wishes to recall, cancel or amend an Instruction, the would be given to you after which your account will be automatically closed.
Bank will use its reasonable efforts to comply. ! If the Bank acts on any Instruction sent by 12. Changes to Mandate
any means requiring manual intervention (such as telephone, telex, telefax, electronic mail
or disks sent by messenger) then, the Customer will be responsible for any loss the Bank may In the event of death, incapacitation or resignation of a signatory to a multiple signature
incur in connection with that Instruction. mandate, it is required of the customer to immediately inform the bank in writing of the event,
to be followed by any changes to the mandate accompanied by appropriate Resolution from
4. Statements and Advice those in charge of governance.
4.1 Where requested, the Bank may provide statements and advice to the Customer either 13. Foreign Account Tax Compliant Act (FATCA)/Common Reporting Standard (CRS)
physically by post or electronically via e-alert / SMS Alerts or other similar service to provide
information on transactions. 13.1 The Customer hereby certifies that, unless otherwise disclosed to the Bank in writing, the
Customer: does not have citizenship in the United States of America (USA)/ European Union
4.2 The service is provided ‘As Available’ and without any warranty of fitness for a specific (EU) countries; is not tax resident in the USA/ EU countries; is not a national of the USA/
purpose. EU countries; was not born in the USA/ EU countries; has no mailing or residential address
4.3 The Bank does not warrant that this service will always be uninterrupted, or that any in the USA/EU countries; does not have an “In-care-of” or “hold mail” address in the USA/
information provided is accurate and current as at the time it is received. EU countries; does not hold a passport from the USA/ EU countries; has not provided any
standing instructions to transfer funds to an account maintained in the USA/ E U countries;
4.4 The Bank disclaims responsibility for any defect, corruption, virus or related problems has not granted a power of attorney and/or mandate to any American person or person with
attributed to your telecom equipment or the service provided by any network provider. an address in the USA or a EU national; has no telephone contact number in the USA or a
4.5 Irrespective of the channel used to deliver the statement or advice, the Customer will notify country of the EU . “ The Customer will advise the Bank promptly in writing should any of the
the Bank in writing of anything incorrect in a statement or advice promptly and in any above change.
case within thirty (30) days from the date on which the statement or advice is sent to the 13.2 Additionally, the Customer agrees to be bound by the Bank’s foreign account policy as may
customer. be updated from time to time.
5. Savings Account 14. Disclaimer Clause
5.1 Request to open a Savings Account will be granted on proper completion of the Bank’s 14.1 The Bank shall not be liable for any funds / assets deposited by customer which are
Account Opening form. subsequently found to have been derived from illegal sources or activities. Customer confirms
5.2 Deposits will be received up to any amount. that the funds / assets deposited are not derived from any illegal sources or activities.

5.3 One account only may be opened for any one person either in his own name or jointly with 14.2 The Bank will not be responsible for any loss or damage to funds deposited with the bank due
another or others to receive deposits. Depositors should note that the form of Application to any further Government order, law, levy, tax, embargo, moratorium, exchange restriction
includes a certificate that the applicant has no Savings Account at any other branch of GCB or any other cause beyond our control
Bank Limited. 15. Sharing of Information
5.4 Money may be deposited in joint names of two or more persons to be payable to both, or all You consent to the Bank making available information concerning your account including personal
of them, or to any one or more of them, or to the survivors. information to the Central Data Bank of Ghana Association of Bankers and Credit Reference
5.5 Collection and clearance of cheques, drafts, dividend warrants and other instruments on Bureaux and Agencies where necessary.
Savings Accounts will be allowed. However personal savings account must not be used for 16. Treatment of Personal Information
business purposes.
The Bank will treat your personal information as confidential and take all reasonable steps to
5.6 Interest will be calculated on the balance on account set by the Bank from time to time and protect your personal information. The Bank will only disclose your personal information if: the
applied on monthly basis. law requires us to do so; or it is in the public interest to do so; or our interests require disclosure;
5.7 In the event of the Savings Withdrawal booklet being lost or spoiled the Bank may on receiving or you have given us your consent. In order to consider your application for any of the products
a satisfactory explanation, and sufficient indemnity, issue a new Savings Withdrawal booklet or services of the Bank or to maintain a relationship with you, you agree that the Bank may - as
part of our checking and account maintenance processes – do the following: get certain of
5.8 The Bank reserves to itself the right to alter or add to these rules at any time and to alter the your personal information from any other party (e.g. a credit bureau or a government agency);
rate of interest allowed from time to time. disclose some of your personal information to these parties in order to get the information the
Bank needs. If the Bank does this, it will never disclose more information than it needs to and in
6. Cheques the process protect your personal information by complying with the relevant Data Protection
6.1 All cheques or orders signed by you (or either or both or all of you if a joint account) will be laws.
honoured by the Bank and your account will be debited for such cheques or orders whether
17. Electronic monitoring or recording
such account be for the time being in credit or overdrawn or may become over-drawn in
consequence of such debit. The Customer and the Bank consent to telephonic or electronic monitoring or recording for
security and quality of service purposes and agree that either may produce telephonic recording
6.2 The Bank is under no obligation to honour any cheque drawn on your account unless there
or computer records as evidence in any proceedings brought in connection with these conditions
are sufficient funds in the account to cover the value of the said cheques and such cheques
or any local conditions.
may be returned to you unpaid. It is an offence punishable by law to issue dud cheques.
18. Jurisdiction
6.3 The Bank may exercise discretion in allowing withdrawals against uncleared cheque(s).
Where the cheques are returned unpaid thereafter the Bank shall have the right to hold on to These terms and conditions are governed by the laws of Ghana.
the returned cheque and take further action it deems appropriate to recover the value of the
cheque from you. The Bank shall have the right whenever it deems appropriate to confirm I acknowledge that I have read and that I accept the Terms and Conditions hereby stipulated and
the issuance of a cheque drawn on the current account failing which the cheque may be I agree to be legally bound by them
returned with “Drawer’s Confirmation Required” endorsed thereon.
Full Name: .............................................. Signature/Mark...................... Date.......................
6.4 Customers must ensure that their cheque books are kept under lock and key and at a secured
place to prevent unauthorised persons from gaining access to same and neglect of this Full Name: .............................................. Signature/Mark...................... Date.......................
precaution may be a ground for any consequential loss being charged to your account.
Full Name: .............................................. Signature/Mark...................... Date.......................
 your bank for life

FOR BANK USE ONLY

1. Initial Deposit by Cash GCB Cheque GCB Draft Transfer Amount
2. Authentication For Politically Exposed Persons
Is the Applicant a Politically Exposed Person (PEP) or associated with PEP ? YES NO

If Customer is closely associated with PEP, state relationship ............................................................................................

Source of wealth (If a PEP or associated with a PEP) ..............................................................................................................
3. KYC/Risk Profile Low Risk Medium Risk High Risk
4. Requirement Checklist
Documents Required MIS Details
( Original IDs/Documents must be seen) CHECKED DEFERRED WAIVED N/A
Classification MIS Code MIS Description
1. Duly completed account opening form
Industry Sector
2. Specimen signature duly captured
Market Segment
3. Recent passport - sized photograph
4. Proof of Identity
5. Resident/Work Permit & Republic of
Ghana Non-Citizen ID
6. Proof of Address
7. Confirmation of Mobile phone number
8. Letter from Employer/School
(Salary/Student)
9. Copy of Letters of Administration/
Trust Deed/Probate

5. Account Opened By :
Name ..................................................................................... Signature......................................... Date ..............................

6. Deferral/Waiver Of Document (If Any) Authorized By :

Name ..................................................................................... Signature......................................... Date .............................

7. Documents Verification Carried Out By :

Name ..................................................................................... Signature......................................... Date .............................

Comments .......................................................................................................................................................................................

8. Account Opening Authorized/Approved By :

a) Name ................................................................. Stamp & Signature ....................................... Date .................................

9. For PEP and Other High Risk Customers, refer to the Head of Business Unit for approval

a) Name ................................................................. Stamp & Signature ....................................... Date .................................

b) Name ................................................................. Stamp & Signature ....................................... Date .................................