Personal Banking

• NO PROBLEM MANAGING CHEQUES thus able to avoid loss and error in managing cheque
• NO WORRIES as the use of electronic channel is safe and proven successful
• NO RESTRAINTS in storage space as to minimize operating costs

• NO LIMITS in banking hour and location
• NO ISSUES in managing funds because the account will be debited on the due date of payment
• NO EXTRA COSTS for unproductive work such as delivery, parking and other costs

• NO DIFFICULTY and increase productivity through payment and receipt of funds efficiently and quickly
• NO ACCOUNT RECONCILIATION PROCESS and avoid errors by reducing manual processes
• NO COMPLICATIONS in fund management, account reconciliation process and review process via e-Statement

• NO LEAK in confidential information on the identity of the account holder/operator
• NO DISCLOSURE of confidential information on the signature of the account holder/signatories
• NO FRAUD related signatures and cheque duplication

• NO DOUBT in using proven electronic banking channels and instruments
• NO WORRY about payments' security because it is credited directly to the recipient's account
• NO DISCRIMINATION because the facility i-Rakyat Commerce - Desktop Banking is open to all non individuals interested in enjoying the effective service

• NO HIDDEN COSTS because all costs are transparently disclosed 

• Account Opening cum Specimen Signature Form
• Customer Information Form (CIF)
• Rules and Regulations (T&C)
• The Board of Directors Resolution sanctioning the request to open account for the company
• iRakyat Commerce Application Form
• The Board of Directors Resolution sanctioning the request to open iRakyat Commerce

• Sole-proprietorship / Partnership – Borang A, D, B (if any), Certificate of Practice (Borang O) & Borang Q (if renewed)
• Professional – Law Firm (Confirmation Letter from the Bar Council, Certificate of Practice), Accountant (Confirmation Letter from MIA, Certificate of Incorporation – SSM), Doctor (Confirmation letter from Medical Council, Certificate of registration from MMC)
• Company – Borang 9, 24, 49 M & A, Board of Directors Resolution, Certificate of Practice (Borang O) & Borang Q (if renewed)
• Co-operatives, Associations, Clubs, Societies, Religious Body Account – Certified copy of Rules and Regulations or By-Laws, Confirmation Letter from Jabatan Agama Negeri, Original Certificate of Registration issued by the Registrar of Societies, Certified Extract of the Minutes of Meeting approved by the Committee.
• Verified copy of myKad/Passport

For mailing Image Returned Document (IRD) not collected after 3 days (by normal mail) to account holder    

RM2.00

RM2.00 per page

(minimum RM5.00)

From monthly to bi-weekly

RM5.00 for every month

RM10.00 for every month

RM20.00 for every month

Closure within 3 months of Openinga

RM20.00

(For Account with balance below RM20, the Bank will absorb the remaining balance in the account as service charge)