Tem Krapook Savings Account
Benefits and Highlights
- Interest rate as high as a fixed account.
- Receive monthly interest.
- Flexible, unlimited withdrawals per month.
- Convenient withdrawals at ATMs of Thai Credit Bank and Krungthai Bank with no fees in the same area, and up to five fee-free transactions per month at ATMs of other banks.
- Can apply for account activity notification service via email at no cost.
Terms of Service
- The minimum amount required to open an account is 5,000 Baht.
- This account is available to individual depositors only.
- Joint accounts (accounts with “and,” “or,” “for,” or “by”) are not accepted.
- Interested person must open the account in person at any Thai Credit Bank branch.
Interest Payment
- Interest is calculated daily and paid monthly, with the calculation ending on the 25th of each month. It can be withdrawn the next day.
- Interest exempt from tax is subject to the conditions specified by the Revenue Department.
- The interest rate for the Tem Krapook Savings Account is subject to the Bank's interest rate announcement.
Fees
- A monthly account maintenance fee of 50 Baht will be charged for savings accounts with no transactions for 1 year or more (based on 365 days) and a remaining balance of less than 500 Baht.
- A 100 Baht account closing fee will be charged for savings accounts opened and closed within 1 month.
Supporting Document for Account Opening
Individual
- A copy of national ID card
Remark :
- Closing an account: Accounts can only be closed in person at the branch where the account was opened.
- The Bank reserves the right to amend the conditions in accordance with its announcements.
- Deposit interest rates, fees, and other services are subject to the Bank's announcements.
- The deposit is protected by the Deposit Protection Agency, up to the amount specified by law.
Product Details
FAQ
- Individual: If the total interest received from all savings accounts across all banks does not exceed 20,000 Baht per year, it will be exempt from a 15% tax. However, if the interest exceeds 20,000 Baht per year, it will be subject to a 15% tax.
- Other depositors: Interest paid is subjected to deduct withholding tax in accordance with the applicable law and regulations of the Revenue Department.
You can request withholding tax information from deposit interest or a withholding tax certificate
in person at the branch where the account was opened (authorization is not allowed).
- Notify 1 day in advance before 3:30 PM.
- The branch where the account was opened has no withdrawal limit.
- If other branches, the daily limits per account are: cash withdrawals not exceed 1,000,000 Baht and transfers not exceed 2,000,000 Baht.
Change of personal information should be proceeded in person, authorization is not allowed.
- Change of Name -Surname; You can request to change your information in person at the branch where the account was opened.
Requested document- National ID card
- Certificate of First Name - Surname Change
Deposit account passbook
- For other cases, such as phone number, address, or email address, you can request to change your information in person at any branch.
Requested document- National ID card
- Deposit account passbook
- If your savings account remains inactive for 1 year or more (calculated as 365 consecutive days), the account will be classified as a Dormant Account. The bank will send a notification letter to the address you provided, advising you to contact the bank to reactivate your account.
- Once your account is classified as a Dormant Account and the balance falls below 500 Baht, a monthly maintenance fee of 50 Baht will be charged. If the fee deductions reduce the balance to 0 Baht, the bank reserves the right to automatically close the account.
- You can request to reactivate your account at any branch.
Proxy case,you can request to reactive account only the branch where the account was opened.
Required documents:
01 National ID card
02 Passbook
The account holder must contact the branch where the account was opened in person. (Authorization is not allowed.)
Required documents:
01 National ID card
02 Police report (an online police report is acceptable)
Estate Administrator must be process at the branch where the account was opened in person. Authorization is not allowed.
Required documents:
01 Court Order Appointing the Estate Administrator
02 Certificate of Case Finalization
03 Death Certificate of the Deceased
04 Deposit Account Passbook
05 National ID Card of the Estate Administrator
06 National ID Card of the Deceased
07 Household Registration Document of the Estate Administrator
08 Household Registration Document of the Deceased
The guardian appointed by the court must be process at the branch where the account was opened in person. Authorization is not allowed.
Required documents:
01 Court Order Appointing the Guardian (for the individual declared legally incompetent by the court)
02 National ID Card of the Guardian
03 Household Registration of the Guardian
04 National ID Card of the Legally Incompetent Individual
05 Household Registration of the Legally Incompetent Individual
06 Deposit Account Passbook
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