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EntitiesLIMITED LIABILITY COMPANIESFOREIGN COMPANIES AND SUBSIDIARIESPARTNERSHIPNON-GOVERNMENTAL ORGANISATIONSSOCIETIES / CLUBS / ASSOCIATIONS / TRUSTEESGOVERNMENT MINISTRIES, DEPARTMENTS, AGENCIES AND AUTHORITIESSCHOOLS / INSTITUTIONSCLIENT ACCOUNTOTHER, SpecifyAccount NameAccount No.Personal BankerCustomer IDDateDDMMYYYY
Account Opening Requirements for:Note: Introductory letter should accompany current account application and IDs should not have expired.Limited Liability CompaniesAn application from the company on its letterhead duly signed by Company SecretaryCertificate of IncorporationCopy of Regulations of the CompanyCertificate to Commence BusinessA Resolution of the Board of Directors and Bank Mandate (Specimen attached)Letter of introduction from Auditors or SolicitorsTax Registration Certificate/NumberProof of identity and address of all Signatories and DirectorsCopy of current Audited Annual Report filed with Registrar General’s Dept. (not applicable to companies incorporated lessOne recent passport-sized photograph of each signatoryForeign Companies and SubsidiariesPhotocopies of Company registration documents from the country of origin duly certified by a Notary overseasWritten reference from the company’s overseas bankersPower of attorney granted to a local Manager to establish the branch of the parent company as a Foreign Company orSubsidiary in GhanaCopy of letter from Registrar General’s Dept. certifying that the company is registered as a Foreign Company or SubsidiaryParticulars of Local Manager (ie. passport and copies of appropriate portions thereof)Proof of identity and address for each signatoryA Resolution of the Board of Directors and Bank Mandate (Specimen attached)Undertaking from an Accountant / Solicitor or other professional acceptable to the Bank to accept service of process onbehalf of the CompanyOne recent passport-sized photograph of each signatoryNon-Governmental Organisations (NGOs)Copy of Regulations of the companyObtain overseas and local address of country director if a foreign NGOPassport particulars of the Local Manager / or Country DirectorOne recent passport-sized photograph for each signatoryProof of identity and address for each signatoryA Resolution of the Board of Governors / Council etc. and Bank Mandate (Specimen attached)Certificate of Recognition from Department of Social Welfare evidencing NGO statusLetter of Introduction from Auditors, Solicitors, Off-Shore bankers (for foreign NGOs)Certificate of Registration / IncorporationCertificate to Commence Business
Societies / Clubs / Associations / Board Of Trustees / FoundationsCertificate of Registration of SocietiesResolution to open a bank account and MandateCopy of Constitution / Regulations / Bye Laws signed by Chairman and SecretaryCopy of Trust Deed for TrusteesOne recent passport-sized photograph for each signatorySpecimen signatures of signatories to the accountProof of identity and address of all SignatoriesSource of Introduction: (Current Account Only) Customers of the Bank in good standing, Solicitors, Auditors, Bankers,Letter of Introduction from Parent / Controlling BodyGovernment Ministries, Departments, Agencies (MDAS) and AuthoritiesAppropriate documentation including a letter of Introduction from Bank of Ghana authorizing GCB to open an account.a)MDAs - from Bank of Ghana / Consumer Banking Division authorising account openingb)Authorities - Resolution from those responsible for governanceDetails of names of signatories and relative mandate.Proof of identity and address for each signatoryRelevant portions of extracts from Ordinance, Act, Decree or Statutory Instruments that established the public bodyOne recent passport-sized photograph of each signatoryPartnershipCertificate of RegistrationPartnership Agreement / Deed and Bank MandateCurrent Registration ReceiptOne recent passport-sized photograph for each partnerProof of identity and address of Partners and signatories, (i.e. Copies of valid Passport / Driver’s License, Voter’s ID, Income TaxCertificate, National ID)Introduction from Auditors or SolicitorsSchools / InstitutionsCertificate of Registration by Ministry concerned.Requirements for Sole Proprietorship / Partnership / Limited Liability Company / Clubs & Societies / MDAs as the casemay beResolution and Bank MandateOne recent passport-sized photograph for each signatoryProof of identity and address of all Signatories and Directors
Specimen ResolutionI Secretary of the Board ofcertify to GCB Bank Limitednow in full force and effect.ENDepositsRESOLVED, that an account be opened with GCB Bank Limited (hereinafter referred to as the “Bank”)RESOLVED, that the Bank be and is hereby designated as a depository of the Comapny and that the officers and agents of the Company be andhereby are, and each is authorized to deposit any funds of the Company in the Bank at any of its branches.RESOLVED, that the further oder of this Board of Directors, any funds of the Company deposited in the Bank be subject to withdrawal or charge atany time upon cheques, notes, drafts, bills of exchange, acceptances, undertakings, or other instruments or orders for the payment of money whensigned, drawn, accepted or endorsed on behalf of the Company by the officers particulars of which are furnished herein under.IMPaymentsRESOLVED, that the said officers are hereby authorised on behalf of the Company.a. To borrow and to obtain credit for the Company from the Bank on any terms and conditions.b. To grant security interests in and/or assign and deliver, as security for money borrowed or credit obtained, any property now orhereinafter held by or belonging to the Company.c. To execute and deliver all security and other agreements, financing statements and other papers required by the Bank in connectionwith any of the forgoing matters and affix thereto the seal of the Company.presenter unpaid.ECnatureRESOLVED, that the Bank be promptly notified in writing by the Secretary or any other officer of the Company of any change in the presentofficers of the Company or of these resolutions, such notice be given to each office of the Bank in which any account of the Company maybe maintained, and that it has actually received such notice in writing, it is authorised to act in pursuance of these resolutions.of dispatch of the Company’s Statement as to the Company’s bank Statement, it will be assumed by the Bank that the Statement isrendered correct.SPcommissions, etc.Directors aFULL NAMENATIONALITYANY OTHER DIRECTORSHIPOFFICIAL POSITIONSIGNATUREMandate: AnyIn witness whereof, I have hereunto set my hand as Secretary to the Company and affixed the corporate seal this day ofSecretary of the CompanyDirector or other OfficerNote: In case the Secretary or other offiDirector of the Company.Title
Terms and Conditions for GCB Bank Ltd.Current, Savings and other Accounts for Entities-Incorporated, Unincorporated /Registered Organisations,Partnerships, NGOs, Clubs, Societies, etc.Please read this page carefully. It provides you (The Customer(s)) with importantinformation about GCB Bank Limited (GCB) Current, Savings and other Accounts.1. The BankThe information on this page (and any further instructions and conditionsthat may be prescribed by the Bank from time to time) are the terms of theagreement between you and GCB. When you sign the Account Opening Formyou accept these terms as binding on you.2. The Account2.1 The hours of business will be advertised from time to time.2.2 You assume full responsibility for the genuineness, correctness andvalidity of all endorsements appearing on all cheques, orders, bills, notes,negotiable instruments and receipts or others deposited in the account.2.3 The account may be debited for any service charge that is set by theBank from time to time.2.4 All notices or letters will be delivered to the address / email supplied byyou and will be considered duly delivered and received at the time it isposted. Notices in the press will be deemed sufficient for this purpose.2.5 The Bank will not be liable for funds handed over to any person otherthan the Bank’s Cashier / Teller for the credit of your account. Anyanomaly in the entries on your Bank statement must be broughtto the attention of the Bank within 15 days of the date thereof andyou agree that failure to give such notice absolves the Bank from allliabilities arising there from. The Bank may exercise its general lienor any similar right it is entitled to by or consolidate all or any of my/ our accounts with any liabilities to the Bank and set off or transferany sum or sums standing to the credit of any one or more of suchaccounts or any other credit.3. E-Alert / SMS AlertWhere requested, the Bank may provide e-alert / SMS Alerts or other similarservice to provide information on transactions. The service is provided ‘AsAvailable’ and without any warranty of fitness for a specific purpose. The Bankdoes not warrant that this service will always be uninterrupted, or that anyinformation provided is accurate and current as at the time it is received.The Bank disclaims responsibility for any defect, corruption, virus or relatedproblems attributed to your telecom equipment or the service provided byany network provider.4. Savings Account4.1 Request to open a Savings Account will be granted on proper completionof the Bank’s Account Opening form.4.2 Deposits will be received up to any amount.4.3 One account only may be opened for any one person either in hisown name or jointly with another or others to receive deposits.Depositors should note that the form of Application includes acertificate that the applicant has no Savings Account at any otherbranch of GCB Bank Limited.4.4 Money may be deposited in joint names of two or more persons tobe payable to both, or all of them, or to any one or more of them, orto the survivors.4.5 Collection and clearance of cheques, drafts, dividend warrants and otherinstruments on Savings Accounts can only be allowed at the discretionof the Branch Manager.4.6 Interest will be calculated on the balance on account set by the Bankfrom time to time and applied on monthly basis.4.7 In the event of the Savings Withdrawal booklet being lost or spoiledthe Bank may on receiving a satisfactory explanation, and sufficientindemnity, issue a new Savings Withdrawal booklet4.8 The Bank reserves to itself the right to alter or add to these rules at anytime and to alter the rate of interest allowed from time to time.5. Cheques5.1 All cheques or orders signed by you (or either or both or all of you ifa joint account) will be honoured by the Bank and your account willbe debited for such cheques or orders whether such account be forthe time being in credit or overdrawn or may become over-drawn inconsequence of such debit.5.2 The Bank is under no obligation to honour any cheque drawn on youraccount unless there are sufficient funds in the account to cover the value ofthe said cheques and such cheques may be returned to you unpaid.5.3 The Bank may exercise discretion in allowing withdrawals againstuncleared cheque(s). Where the cheques are returned unpaid thereafterthe Bank shall have the right to hold on to the returned cheque and takefurther action it deems appropriate to recover the value of the chequefrom you. The Bank shall have the right whenever it deems appropriateto confirm the issuance of a cheque drawn on the current accountfailing which the cheque may be returned with “Drawer’s ConfirmationRequired” endorsed thereon.5.4 Customers must ensure that their cheque books are kept under lockand key and at a secured place to prevent unauthorised persons fromgaining access to same and neglect of this precaution may be a groundfor any consequential loss being charged to your account.5.5 If your cheque book gets lost, missing or stolen you must notify the Bankimmediately. The Bank shall not be held liable for any unauthorised useof your cheque book where the loss or otherwise of same has not beennotified immediately.6. Overdrawn AccountOverdrafts may be available to customers upon arrangement with the Bank. Ifyou do not have such arrangement and your account becomes overdrawn, wemay charge you an extra fee and interest at our current rate for unauthorisedborrowing. If your account does not have enough cleared funds to cover anamount you want to withdraw we may return your cheque unpaid. The Bankreserves the right to use credit balance on your current account to set off anyoutstanding exposures on any of your accounts.7. Paying InterestCustomer will be liable for the payment of interest charges at the rate fixedby the Bank from time to time for any sum(s) standing to the debit of thecurrent account. The current account may also be debited for the Bank’susual banking charges, interest, commissions, etc.8. Termination of Agreement8.1 Either party may terminate this agreement at any time by notifying theother in writing.8.2 Where customer is terminating the agreement, the terminationbecomes effective where any cheques and amounts carried on theaccount have been paid and all cheque books and cards issued tocustomer are returned to the Bank. Where the Bank is terminatingagreement and the account is overdrawn, customer must pay allsums outstanding on the account otherwise the Bank may takeappropriate legal action for recovery.8.3 All mandatory documentation should be completed within (2) monthsof opening the account. If you do not provide the required documentswithin two (2) months, written notice would be given to you after whichyour account will be automatically closed.9. Changes to MandateIn the event of death, incapacitation or resignation of a signatory to amultiple signature mandate, it is required of the customer to immediatelyinform the bank in writing of the event, to be followed by any changesto the mandate accompanied by appropriate Resolution from those incharge of governance.10. Disclaimer ClauseThe Bank shall not be liable for any funds / assets deposited by customerwhich are subsequently found to have been derived from illegal sourcesor activities. Customer confirms that the funds / assets deposited are notderived from any illegal sources or activities.11. Sharing of Personal InformationYou consent to the Bank making available information concerning your accountincluding personal information to the Central Data Bank of Ghana Association ofBankers and Credit Reference Bureaux and Agencies where necessary.
GCB Bank LimitedEntity Account Opening Formyour bank for lifeGeneral Account Information (Complete in block letters and tick where applicable)Account typeCurrent AccountSavings AccountPurpose ofAccount (1):Loan ServicingPurpose ofAccount (2):Loan estmentTransactionalSavingsSalariesOthers (specify)Others (specify)Source(s) of Funds 1for the Account(s): 2Business DetailsBusiness Name:Certificate of Inc. No.:Certificate ofRegistration No.:Certificate toCommence Business No.:Regulator’s Certificate/Licence No.:Jurisdiction of Inc./Registration:Parent Company’sCountry of Inc.:Type/Nature ofBusiness:Sector/Industry:Operating BusinessAddress:Business Address/Registered Office: If different from the above indicateLocation of Office:Date of Inc. D D M M Y Y Y YDate of Issue D D M M Y Y Y YDate of Issue D D M M Y Y Y YDate of Issue D D M M Y Y Y YTIN:DigitalAddressProduct/Service TradedLandmarkMetropolitan, Municipal and District Assembly (MMDA):Mobile No.:Telephone No.:Email Address:Number of Directors:Mode of Salary payment:Website (if any):No. of EmployeesCashChequeDirect CreditName of Introducer(s):Introducer’s Address:Introducer’s Mobile No.Name of affiliatedcompanies/bodyTelephone No.1
your bank for lifeList of Key Customers and SuppliersList of Key Customers:List of Key Suppliers:FATCA/Common Reporting Standard (CRS) Requirement For US/EU EntitiesTax Identification No.Social Security No.Account Service(s) required (Please tick applicable option below)Card Preferencesmastercard CorporateOthers (Specify)Electronic BankingPreferencesTranscation AlertPreferencesInternet BankingMobile BankingE-AlertEmail AddressSMS AlertMobile NumberStatementPreferencesEmailPostalCollection at BranchStatement FrequencyDailyWeeklyMonthlyOther (Specify)QuarterlyCheque/Savings Withdrawal Book Requisition:YesNo(The Bank advises that all Corporate Institutions should pre-confirm their cheques)Cheque ConfirmationYesNoBeneficial Owner(s) List (You may attach a list on your letterhead if applicable)(Beneficial owner is a person who enjoys the benefit of ownership even though title is in another name)TitleDr.Mr.MissMrs.Other (Specify)Full nameRelationship to CustomerID TypeMobile No.House No.LandmarkCity/TownOccupationRegionSpouse NameSpouse AddressExpected Account ActivityTransaction Type2Expected No. of Transactions Per MonthExpected Amount Per MonthDeposits (Funds inflow)Account (1)1-2021-6061 - Above1-20,00020,001-100,000100,001 plusAccount (2)1-2021-6061 - Above1-20,00020,001-100,000100,001 plusWithdrawals (Funds outflow)Account (1)1-2021-6061 - Above1-20,00020,001-100,000100,001 plusAccount (2)1-2021-6061 - Above1-20,00020,001-100,000100,001 plus
your bank for lifeKey Contact Person / Principal Officer's DetailsSurnameFirst NameOther NameDate of BirthD D M M Y YY YGenderMaleFemaleMother’s Maiden nameResident/WorkPermit No.Country of ResidenceID. TypeID. Expiry DateID. No.D D M M Y YY YNationalityJob TitleID. Issue Date D D M M Y Y Y YTIN%ShareholdingOccupationResidential/Permanent AddressResidential AddressStreet NameDigital Address/Pin CodeSuburb/LandmarkCity/TownMMDARegionTelephone No.Preferred Communication ModeMobile No.E-mail(If email, complete Email Indemnity Form)FATCA/Common Reporting Standard (CRS) Requirement For US/EU NationalsTax Identification No.Social Security No.Account Signatories Details (1)SurnameFirst NameOther NameDate of BirthD D M M Y YY YGenderMaleFemaleMother’s Maiden nameResident/WorkPermit No.ID No.Country of ResidenceID TypeID. Expiry DateD D M M Y YY YID. Issue DateJob TitleResidential/Permanent AddressResidential AddressCity/TownMMDARegionEmailD D M M Y YYYTINNationality%ShareholdingOccupationStreet NameDigital Address/Pin CodeSuburb/LandmarkMobile No.Telephone No.3
your bank for lifeFATCA/Common Reporting Standard (CRS) Requirement For US/EU NationalsTax Identification No.Social Security No.Account Signatories Details (2)SurnameFirst NameOther NameDate of BirthD D M M Y YY YGenderMaleFemaleMother’s Maiden nameResident/WorkPermit No.ID No.Country of ResidenceID TypeID. Expiry DateD D M M Y YY YID. Issue DateD D M M Y YYYTINNationalityJob Title%ShareholdingResidential/Permanent AddressResidential AddressOccupationStreet NameDigital Address/Pin CodeSuburb/LandmarkCity/TownMMDARegionMobile No.EmailTelephone No.FATCA/Common Reporting Standard (CRS) Requirement For US/EU NationalsTax Identification No.Social Security No.Account Signatories Details (3)SurnameFirst NameOther NameDate of BirthD D M M Y YY YGenderMaleFemaleMother’s Maiden nameResident/WorkPermit No.ID No.Country of ResidenceID TypeID. Expiry DateD D M M Y YY YID. Issue DateResidential/Permanent AddressResidential pationStreet NameDigital Address/Pin CodeSuburb/LandmarkMobile No.Telephone No.FATCA/Common Reporting Standard (CRS) Requirement For US/EU NationalsTax Identification No.YTINNationalityJob TitleD D M M Y YSocial Security No.Y
your bank for life(1) Details of the Director / Executive / Trustee /Promoter /Executor / Administrator, etcSurnameFirst NameOther NameDate of BirthD D M M Y YMother’s Maiden nameGenderY YMaleResident/WorkPermit No.ID No.Country of ResidenceID TypeID. Expiry DateFemaleD D M M Y YY YID. Issue DateD D M M Y YYYTINNationalityJob Title%ShareholdingOccupationStatus as a Director (Please tick as appropriate)ChairmanManaging Director/CEOChief Finance OfficerExecutive DirectorNon-Executiv
Appropriate documentation including a letter of Introduction from Bank of Ghana authorizing GCB to open an account. a) MDAs - from Bank of Ghana / Consumer Banking Division authorising account opening b) Authorities - Resolution from those responsible for governa
