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Support > Help & Resources

How to Avoid Fees

Knowledge is an important part of banking. Customers with facts are often financially sound. NCB is committed to ensuring that you remain fit financially. Below are ways to utilize our products and services to avoid some of the associated fees:

USE our ABMS and POS to get the benefits of Midas Plus

 

With NCB Midas Plus enjoy:

  • Free ABM/POS transactions using NCB machines
  • Free Internet Banking, Telephone Banking and 24*7 access to Customer Care Centre
  • Free bill payments and transfers between accounts via the Telephone Banking
  • ABM daily withdrawal limit increase to $50,000
  • POS daily limit increased to $150,000
Note: Savings Account holders will receive half yearly statements instead of passbooks
 

You can reduce interest charges on your credit card by:

  • Paying your balance in full every month before the payment due date.
  • Paying more than the minimum amount as over time you will pay less interest and be able to pay off your balance faster.
  • Getting the facts before you conduct a transaction such as a cash advance.
  • Setting Reminders for when your payments are due.
  • Using Internet Banking to manage your finances especially paying and checking credit card bills and payments.

You can reduce your fees by Budgeting.


Good budgeting habits can help you control spending, manage your savings, and avoid banking and other fees. Here are general tips:

  • Develop a budget to understand your money spread and to allocate money where needed to pay bills or save towards long-term objectives. Our Budgeting template is a quick and easy way for you to plan your budget.
  • Take notes of your monthly spending by keeping a journal or cataloguing bill stubs and receipts especially those seemingly small expenses. This will help you to analyse your spending and provide you with facts to manage your money.
  • Review budget frequently to ensure your specified objectives are being met within the specified timelines and be able to make the necessary adjustments.

F.A.Q.

Am I subject to tax on my investment as an overseas resident?

Yes you are. However, if you are domiciled outside of Jamaica, you may be eligible for a reduced rate of taxation. The rate is determined by the taxation treaty, which exists between your country and Jamaica. Country Rate United States 12.5% Canada 15% The United Kingdom 15% CARICOM 15%. Please contact our client relations officer or your wealth advisor for other countries.

Do you accept cash?

Cash lodgments are facilitated through National Commercial Bank branches island-wide. Please be sure to indicate to the bank representative the type of investments (stocks, money market or bonds) in which you are interested, so that the correct account may be credited.

How can I get a printed copy of your Annual Report?

Current and historic Annual Reports can be downloaded from our website. However, if you are unable to view these files, then you can request a copy be mailed to you by emailing our Registrar, NCB Nominees at ncbinfo@jncb.com.

How can I invest in your company's stocks?

National Commercial Bank Jamaica Limited is listed on the Jamaica Stock Exchange and the Trinidad and Tobago Stock Exchange.

Potential investors should be able to acquire shares through their stockbrokers. If you do not have a stockbroker, it is possible to buy shares from our investment and stockbrokerage subsidiary NCB Capital Markets Limited. Visit their website at www.ncbcapitalmarkets.com.

How could I have a summary of financial results for the past 10 years?

A financial Statistical Review Summary is listed in every annual report. However for ease of reference a pdf version is available via the Financial Statistical Review.


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