The following are the terms and conditions applicable for both Call and Time Deposit Accounts (hereinafter referred to as "Account" or "Accounts") to be opened with the Bank:
Please click HERE  to view the Bahasa Malaysia version of this Terms and Conditions.

1.1 GENERAL TERMS FOR THE FOREIGN CURRENCY ACCOUNT

(a) The terms and conditions under this Clause 1.1 is specifically applicable for both Call and Time Deposit Accounts (collectively referred to as “FCA”) opened or to be opened with the Bank.
(b) The Customer agrees at all times to comply with all the following conditions, overnight limits and regulations which are subject to change by Bank Negara Malaysia from time to time without further notification by the Bank.
(c) Notwithstanding the above, the Bank reserves the right to further impose any other conditions and/or overnight limits on the Customer for purpose of controlling and monitoring within the Bank.
(d) The Bank reserves the right to reject or reverse in its entirety any deposits or proceeds through inward remittances in the absence of any clear and specific instructions or which may directly or indirectly result in a breach of the aforesaid conditions and overnight limits and/or to reserve such sum or sums from the FCA which have breached the aforesaid conditions and overnight limits caused by any other reasons including but not limited to the crediting of interest and fluctuations in exchange rate, under which the Bank shall then be authorised by the Customer to convert and remit such deposits, proceeds or sums in Ringgit Malaysia at the Bank's prevailing conversion rate.
(e) The Customer is required to notify the Bank :-

 (i) change in the volume of export proceeds in the case of exporters, change in the qualifying conditions that affect the prescribed overnight limits and any breach of the qualifying conditions and/or overnight limits imposed by Bank Negara Malaysia in the operation of the FCA; and
 (ii) prior to the remittance by telegraphic/mail/electronic transfers or otherwise of any proceeds to the Customer’s FCA.

(f) Withdrawals from any FCA in a currency other than the currency of that FCA shall be at the conversion rate to be determined by the Bank.
(g) The Bank is under no obligation to accept deposits or allow withdrawals of foreign currency notes.
(h) The Bank will receive for the credit of the FCA any cheque, draft, mail and telegraphic transfer, negotiable instrument and any monies payable to the Customer PROVIDED THAT the aforesaid cheque, draft, mail and telegraphic transfer and negotiable instrument are in such form and substance acceptable to the Bank. Proceeds of any Ringgit Malaysia or other foreign currency cheque, draft or negotiable instrument and monies payable to the Customer shall be credited to the FCA at the conversion rate to be determined by the Bank.
(i) The Bank shall not be responsible for any loss suffered by the Customer in connection with items banked in which have been lost, destroyed or delayed in the process of clearing or as a result of the Bank's remedial action on the Customer's behalf to comply with the aforesaid conditions and limits set by Bank Negara Malaysia which in the Bank's opinion has been breached.
(j) Notwithstanding the above terms and conditions, the opening and operation of the FCA is also subject to the banking practices and laws of Malaysia, Exchange Control Act 1953, rules and regulations of the Association of Banks in Malaysia and the rules and regulations of other regulatory bodies established by Bank Negara Malaysia including any amendments made to such laws, rules and regulations from time to time.

1.2 FOREIGN CURRENCY CALL ACCOUNT (“FCCA”)

(a) An FCCA may be opened in any currency other than Ringgit Malaysia which is acceptable to the Bank. Interest shall be credited monthly at the Bank's rate and will be calculated on the daily balances at the end of each day or such other intervals as may be determined by the Bank provided that no interest shall be payable on the daily balance or such other intervals, as the case may be, unless the balance exceeds the requisite minimum amount stipulated by the Bank.
(b) No interbranch transactions or overdrawing are allowed on the FCCA.
(c) Withdrawals may be made by giving not less than 24-hours notice in writing (or by such other means permitted by the Bank) and the Customer is required to give clear and specific instructions with regard to the withdrawal and disposal of the deposits.

1.3 FOREIGN CURRENCY TIME DEPOSIT ACCOUNT (“FCTDA”)

(a) An FCTDA may be opened in any currency other than Ringgit Malaysia which is acceptable to the Bank.
(b) Deposits into the FCTDA will be for a term and rate as agreed with the Bank. The Bank reserves the right to impose any such limits on the amounts and terms of deposit including but not limited to the minimum deposit limits which may be subject to change at the Bank's absolute discretion.
(c) Withdrawal of deposits can be made only on maturity and at the branch of deposit. The Bank may allow premature withdrawal of deposits PROVIDED ALWAYS that any loss/penalty charges for such withdrawals shall be fully borne by the Customer. All withdrawal of deposits must be made in its entirety and not in separate sums.
(d) The Customer is required to give clear and specific instructions in writing with regards to the withdrawal and disposal of the deposits. Such instructions should reach the Bank not less than two (2) Business Days (or such other period as may be stipulated by the Bank) before maturity.
(e) In the absence of any withdrawal/disposal instructions, the Bank is under no obligation to renew the principal and/or interest or to transfer or remit such matured sums to the Customer or to any of the accounts within or outside the Bank until further instructions are given to the Bank.
(f) Notwithstanding the above, if the maturity date falls on a non-Business Day, any renewal/disposal instructions by the Customer will be carried out on the next Business Day.