Retail Banking
Retail Banking at JS Bank offers a variety of products and services for both depositors and borrowers at competitive rates. Please call or visit our Retail Banking team to discuss your financial needs. You may take a snapshot of the Products & Services in the menu on the left hand side of the screen. To get further details, please click on to the specific Product or Service. Please note that Zakat, w/tax, or any other tax/ conditions are applicable as per Regulations.
Kamiyab Business Account
Perfect for the businessman, the Kamiyab Business Account is specially tailored to make your transactions smoother and speedier. This account allows you to get the real deal for the success of your business by offering the following services absolutely free of charge:
Free Online Inter-city Funds Transfer
Free Return Cheque (outward)
Free Demand Draft and Pay Order Issuance
Additionally, by maintaining an average monthly balance of only PKR 50,000 in your Kamiyab Business Account, you can get the following services along with the ones listed above absolutely free:
Counter Cheques
Collection Cheque (Local)
Retained Mail
Stop Payment
Chequebook Issuance (25 leaves)
Small Locker*
ATM Card Issuance**
ATM Card Annual Fee Waiver
Telex / Postage
Statement Issuance
Balance Certificate
Rupee Plus Account
A high performance savings account, the Rupee Plus Account calculates your profits on a daily basis to give you maximum returns with the greatest flexibility. By opening your Rupee Plus Account with JS Bank, you can avail the following services absolutely free of charge:
By maintaining an average monthly balance of PKR 250,000 in your Rupee Plus Account, you can also get the following additional services along with the ones listed above absolutely free:
Counter Cheques
Collection Cheque (Local)
Retained Mail
Stop Payment
Chequebook Issuance (25 leaves)
Small Locker*
ATM Card Issuance**
ATM Card Annual Fee Waiver
Telex / Postage
Statement Issuance
Balance Certificate
Rupee Current Account
A non-profit bearing account, the Rupee Current Account is primarily geared towards individuals and companies that have a large turnover of cheques. There is no initial balance requirement to open this account which offers the following services free of charge upon maintaining an average monthly balance of PKR 50,000:
Free Online Inter-city Funds Transfer
Free Return Cheque (outward)
Free Demand Draft and Pay Order Issuance
Counter Cheques
Collection Cheque (Local)
Retained Mail
Stop Payment
Chequebook Issuance (25 leaves)
Small Locker*
ATM Card Issuance**
ATM Card Annual Fee Waiver
Telex / Postage
Statement Issuance
Balance Certificate
PLS Rupee Saving Account
The JS Bank PLS Saving Account is a Profit and Loss Sharing account that empowers you to get good returns from your savings with security and convenience. With this account you can avail the following services absolutely free of charge:
Free Online Inter-city Funds Transfer
Free Return Cheque (outward)
Free Demand Draft and Pay Order Issuance
In addition to this, by maintaining an average monthly balance of PKR 100,000 in your PLS Saving Account, you can get the following services along with the ones listed above absolutely free:
Counter Cheques
Collection Cheque (Local)
Retained Mail
Stop Payment
Chequebook Issuance (25 leaves)
Small Locker*
ATM Card Issuance**
ATM Card Annual Fee Waiver
Telex / Postage
Statement Issuance
Balance Certificate
Rupee Basic Banking Account
Rupee account that can be opened with Rs 1,000/= as minimum balance requirement. Ideal for salaried persons and individuals with low transaction turnover need.
- No transactional charges up to 2 deposit transactions & 2 checking withdrawals.
- No minimum balance requirements.
- No charges to maintain the account.
- Country wide banking facility.
Rupee Fixed Deposits
Avail Fixed deposits products with different tenors and competitive rates. You can place your idle deposits available in Current, Savings, Kamiyab or Rupee Plus account and reap the benefit of optimum return.
- Various tenors
- Disbursement of profit based upon your choice.
Foreign Currency Account
Current & Savings accounts in USD, Pound Stg, and Euro are available.
Loans & Running Finance
We offer Running finance & Loan facilities against Deposits and Govt. of Pakistan securities to be used as collateral. A dedicated Relationship officer will look after all your credit needs.
- Quick processing
- Competitive rates
- No bank account needed.
- Regular money transfer are usually available within minutes for pick up by the recipient
- Receive inward remittance from anywhere in the world.
Sale & Encashment of Govt. Of Pakistan Securities
We are authorized agents to sell and encash Govt. of Pakistan securities (Defence saving certificates & Special savings certificates.) Our account holders can avail this facility from our any of the branches.
Countrywide Account Operation
You can operate your account from any of the branches of JS Bank Limited. We have aggressive plans to expand our branch network giving our customers a wider branch network. (subject to approval from Regulatory authorities.)
- Deposit & withdraw cash
- Issuance of Pay orders & Demand draft.
- Statement of account printout
Tele-banking
Accessible via pin code a 24/7 phone banking facility for balance inquiry from anywhere in Pakistan or overseas.
- Obtain balances and details of the last five transactions.
- Offers account statements via fax.
SWIFT transfer
State of the art foreign currency account funds transfer system. From Pakistan to overseas and vice versa. Local regulations apply.
- State of the art SWIFT mode of payment, ensuring funds transfer in shortest time.
- Secure and efficient delivery system for inward and outward payments
Fund Transfer Instructions
Utility Bills payment
Public can conveniently deposit Electricity, Sui gas & PTCL bills at any of our bank's branches.
- Hassle free
- Comfortable environment
- No need to maintain bank account
9 to 5 Non-stop banking
We offer 9 to 5 non-stop banking services at our cash counters (for Pak Rupee transactions only)
9:00 A.M to 5 P.M (Monday to Thursday)
9:00 A.M to 12:30 P.M & 3:00 P.M to 5:00 P.M (Friday)
9:00 A.M to 12:30 P.M (Saturday)
Service Standards
We have developed following standards for the delivery of our products to our customers.
| CUSTOMER SERVICES PRODUCTS |
| Opening of Account / Amendment in Account records. |
Account will be opened / amended on the same day subject to fulfillment of our KYC requirements and receipt of account opening form along with documents before 2:30 PM (Mon Fri) & 11:00 PM (Sat). |
| Cheque book issuance. |
All cheque books are issued within 3 working
Days |
| Closing of account. |
For Rupee Plus accounts closure is processed the next day due to profit disbursement. Rest is processed the same day, upon receipt of customers request provided clearance is received from all the departments. |
| ATM/Debit Card. |
Visa Debit Card Processed in 5 working days, subject to receipt of request by 2:30 PM (Mon Fri) & 11:00 PM (Sat). |
| Delivery of Account Statement |
| We dispatch the Account statement as per the following schedule. |
Type of Accounts:
|
|
| Kamiyab Business Account |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
| Current Account |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
| Rupee Plus Account |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
| FCY Current |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
| FCY Savings |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
| Savings Account |
Half-Yearly |
| |
(whereby Balance is Rs.10,000 and above) |
| |
Annually |
| |
(whereby Balance is less than Rs.10,000) |
|
| Stop payment requests. |
Executed instantly upon receipt of written request. |
| Issuance of balance certificate to customers and/or to Audit Firm. |
Balance certificate is issued within thirty minutes. Audit Report for Corporate customers within seven days.( Irrespective when received) |
| Fix Deposit Setup. |
Same Day Execution. |
| Fix Deposit Cancellation. |
Same Day Execution. |
| Payment of Cash Cheques |
Within Five minutes after the instrument is presented at the counter and depending upon the denomination and amount, |
| Cash Receipt |
Within Five minutes after the cash is presented at the counter and depending upon the denomination and amount. |
| Handling of Check Deposited for clearing / Transfer |
Within Five minutes of receipt of the cheque at the teller counter. |
| Issuance of Pay order/Draft by Debit to Customer account. |
The request of customer is executed within ten minutes of receipt of request at counter. |
| Cancellation of Pay order request. |
Within ten minutes of request at our counter. |
| Inward Remittance. |
We credit the proceeds same day provided purpose of remittance is provided by beneficiary. In case it pertains to the other bank client, payment is executed on the day when purpose of remittance is received. |
| Outward remittance. |
Same day execution. |
| Marking of Lien on Government Securities issued by us and pledged to other banks. |
Bank’s request is executed same day. |
Complaint Acknowledgement |
Customer’s complaint is acknowledged via call/letter within 1 business day. |
| Complaint Resolution |
The customer is informed about his/her complaint status within 10 Business days. Incase customer’s complaint / query is still under investigation, an interim letter is sent to the customer with 10 Business days. |
| ASSET SERVICES |
| Issuance of E-Form |
Same day |
| Processing of Advance Payment |
Same day subject to receipt of advance payment slip. |
| Processing of Export Bills sent on collection. |
Same day on receipt of documents. |
| Realization of export collection document. |
Same day on receipt in Nostro Statement or within three days if held in Special Exporters Account on the request of exporter as allowed by the SBP. |
| Issuance of Guarantee. |
Same day subject to completion of all formalities. |
| Issuance of amendment in Guarantee. |
Same day subject to completion of all formalities. |
| Marking of Lien on Government Securities pledged to us. |
Request of marking of lien is sent to the issuing bank next day. |
| Implementation of Limits. |
Subject to receipt of completed executed documents & marking of Lien by issuing office, Limits are implemented on the same day. |
| Release of Security. |
Subject to receipt of Customer request & settlement of all the outstanding, along with the approval from Risk Management Unit, release of security is executed same day. |
Additional Information
*Subject to availability of vacant lockers at the branch.
**Applicable for individuals, sole proprietorships and partnership accounts.
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