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This division concentrates on the needs and aspirations of our clients and potential customers whose focus is on the retail and consumer aspect of our economy.

It is responsible for providing a wide range of services through our existing generic and specialized product lines for example the Overdraft.


  • Allows a customer to overdraw his/her account up to a certain limit for a specific period.
  • Availability is strictly at the discretion of the Bank.
  • Provided to augment customers' working capital Payable on demand.
  • Classified as Temporary Overdraft for a tenor of not more than 30 days.
  • Standard Overdraft is granted for more than 30 days but not more than a year.
  • Excess Over Limits is granted for customer with an existing overdraft that is satisfactorily utilized for a maximum 30 days

You can easily link your BVN to your account


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