Question 1

What types of accounts does Atwima Community Bank offer?

Accepted Answer

We offer Current Accounts, Savings Accounts, Salary Accounts, Susu Accounts, and Kiddies Accounts — each designed for different financial needs.

Question 2

How do I open an account?

Accepted Answer

Visit any of our 6 branches with a valid national ID (Ghana Card, Voter's ID, or Passport), 2 passport photos, and an initial deposit. You can also call us to book an appointment.

Question 3

What is the minimum balance for a savings account?

Accepted Answer

Our savings accounts have a minimal opening deposit. Please contact your nearest branch for the current minimum balance requirements.

Question 4

Can I open a Kiddies Account for my child?

Accepted Answer

Yes. A parent or guardian can open a Kiddies Account for a child under 18. You will need the child's birth certificate and your own valid ID.

Question 5

What is a Susu Account?

Accepted Answer

The Susu Account is our daily savings scheme. Our collector visits you at your home or business to collect your daily contribution, which is deposited into your account. It is ideal for market traders, artisans, and anyone who prefers door-to-door saving.

Question 6

What loans do you offer?

Accepted Answer

We offer Salary Loans, Commercial Loans, Transport Loans, Susu Loans, Funeral Loans, Church Development Loans, Group Loans, and Overdraft facilities.

Question 7

What are the loan interest rates?

Accepted Answer

Rates start from 28% per annum for salary loans and 30% per annum for commercial loans. Rates are revised periodically in line with Bank of Ghana directives. Visit a branch for a personalised quote.

Question 8

How do I apply for a loan?

Accepted Answer

Visit any of our branches with your valid ID, recent payslip or business registration documents, and completed loan application form. Our staff will guide you through the process.

Question 9

How long does loan approval take?

Accepted Answer

Salary loans are typically processed within 3–5 working days once all required documents are submitted. Commercial loans may take longer depending on the amount and collateral.

Question 10

Do you offer group loans?

Accepted Answer

Yes. Group loans are available for community groups, cooperatives, and associations. The group acts as a guarantee for each member.

Question 11

What investment products are available?

Accepted Answer

We offer ARB Fixed Deposits and ARB Shares. Fixed deposits currently earn up to 22% per annum for a 12-month term.

Question 12

What is the minimum amount for a fixed deposit?

Accepted Answer

Contact our branches for current minimum deposit requirements as they may be updated periodically.

Question 13

Can I withdraw my fixed deposit early?

Accepted Answer

Early withdrawal is subject to a penalty and reduced interest rate. Please discuss terms with our investment team before opening a fixed deposit.

Question 14

What are ARB Shares?

Accepted Answer

ARB Shares are equity shares in Atwima Community Bank. As a shareholder you are a co-owner of the bank and receive annual dividend payments based on the bank's performance.

Question 15

Can I receive money from abroad?

Accepted Answer

Yes. We are a Western Union agent. You can receive international money transfers at any of our 6 branches. Same-day processing is available.

Question 16

What do I need to receive a Western Union transfer?

Accepted Answer

You need a valid ID (Ghana Card, Passport, or Voter's ID), the Money Transfer Control Number (MTCN) from the sender, and the exact amount sent.

Question 17

What are the branch hours for remittance?

Accepted Answer

Remittance is available during normal banking hours: Monday–Friday 8:00 AM – 4:30 PM, Saturday 8:00 AM – 12:00 PM.

Question 18

Where are your branches located?

Accepted Answer

We have 6 branches: Foase (Head Office), Kwadaso, Patasi, Mpasatia, Allabar, and Daban — all in the Ashanti Region of Ghana.

Question 19

What are your opening hours?

Accepted Answer

Monday to Friday: 8:30 AM – 4:30 PM. Saturday: 8:30 AM – 12:00 PM. Closed on Sundays and public holidays.

Question 20

Do I need an appointment to visit?

Accepted Answer

No appointment is needed for routine transactions. However, for loans, investments, or complex services, we recommend booking an appointment via WhatsApp or phone so we can prepare for your visit.

Question 21

How do I contact the bank?

Accepted Answer

Call or WhatsApp us on 0501 387 040, or email info@atwimabank.com. You can also use the contact form on our Contact page.

Frequently Asked Questions

Accounts

Frequently Asked Questions

Accounts