I&M Bank accounts

ACCOUNT NAME:  

Personal Sapphire

ACCOUNT TYPE:

Current Account

BENEFITS:

• Free quarterly statements or free email statements at your chosen frequency.

• Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

• Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

• Earn IMBA Reward Points every time you transact.

• Comes with a Visa International Debit Card and a cheque book.

• Access the account through I&M Mobile, I-Click Internet Banking

• . Daily emailed transaction advices

• 15 free counter withdrawals

• KES 30,000 minimum balance

QUALIFICATIONS:

• An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

• Copy of your ID/passport

• Recent colour passport photograph

• Copy of work permit (if applicable)

• Copy of PIN card (if you have one)

FEES:

• KES 500 monthly maintenance fees

ACCOUNT NAME:  

Personal Malaika Account

ACCOUNT TYPE:

Current Account

BENEFITS:

• Free annual statements or free email statements at intervals of your choice.

• Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

• Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

• Earn IMBA Reward Points every time you transact.

• Attractive discounts from partnering Malaika merchants

• Malaika App – Have Fun and be trendy with the exciting new Malaika App- an app specially designed for you.

• An optional free linked auto-facility to save monthly as a Recurring Deposit earning high interest rates

• Malaika Membership Card

• Minimum balance of KES 5,000

• 10 free counter withdrawals

QUALIFICATIONS:

• An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

• Copy of your ID/passport

• Recent colour passport photograph

• Copy of work permit (if applicable)

• Copy of PIN card (if you have one)

FEES:

• KES 500 monthly maintenance fee

• KES 300 for  25 leaf check book

ACCOUNT NAME:

Personal Bahati Account

ACCOUNT TYPE:  

Current Account

BENEFITS:

• Visa International Debit Card and a cheque book.

• Customers can also access and operate on the account through I&M Mobile and I-Click Internet Banking facilities.

• Free quarterly statements or free email statements at your chosen frequency.

• Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

• Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

• Earn IMBA Reward Points every time you transact.

• Minimum balance KES 10,000

• 10 free counter withdrawals

QUALIFICATIONS:

• An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

• Copy of your ID/passport

• Recent colour passport photograph

• Copy of work permit (if applicable)

• Copy of PIN card (if you have one)

FEES:

• KES 500 monthly account maintenance fees

• KES 300 for 25 leaf check book

ACCOUNT NAME:

Personal Tayari Account

ACCOUNT TYPE:

Current Account

BENEFITS:

• Debit Cards, I&M Mobile and I-Click Internet Banking

• Free annual statements or free email statements at intervals of your choice

• Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

• Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

• Earn IMBA Reward Points every time you transact.

• Minimum balance of KES 2000 and 8 free counter withdrawals

QUALIFICATIONS:

• An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

• Copy of your ID/passport

• Recent colour passport photograph

• Copy of work permit (if applicable)

• Copy of PIN card (if you have one)

FEES:

• KES 250 monthly maintenance fees

• KES 300 for 25 leaf check book

ACCOUNT NAME:

Personal Nextgen Account

ACCOUNT TYPE:

Current Account

BENEFITS:

• debit cards, I&M Mobile and I-Click Internet Banking.

• Free annual statements or free email statements at your chosen frequency.

• Personal Accident Cover of KShs. 0.5 M at KShs. 500 p.a premium or 1 M at KShs 1,000 p.a. premium.

• Unlimited ATM withdrawals, I-Click Internet Banking and Mobile Banking transactions

• Earn IMBA Reward Points every time you transact.

• Minimum operating balance of KES 1,000

QUALIFICATIONS:

• An introduction letter from an I&M Bank account holder or your employer’s or banker’s or a professional of repute (lawyer/ accountant)

• Copy of your ID/passport

• Recent colour passport photograph

• Copy of work permit (if applicable)

• Copy of PIN card (if you have one)

FEES:

• KES 250 monthly maintenance fees

ACCOUNT NAME:

Karibu Account

ACCOUNT TYPE:

Transaction Account

BENEFITS:

• account opened and operated entirely from a smart phone – no paperwork, no documents, no visits to the Bank

• no minimum balance

• no ledger fees……ideal for someone who does not currently have a bank account.

• Can be funded through Mpesa, Airtel Money, I&M Karibu agents, MobiKash agents, PostBank branches.

QUALIFICATIONS:

• You must fund the account (Min KES 250) so that you can get access to I&M Mobile Banking Services.

FEES:

• No ledger fees

ACCOUNT NAME:

Young Savers

ACCOUNT TYPE:

Savings Account

BENEFITS:

• No Ledger Fees

• No Account Maintenance Charges

• No Transaction Charges

• A young Savers Membership card is issued which entitles the child to enjoy discounts at many shops and other outlets.

• Minimum balance of KSH 1000

• Free and exciting Savers App with features such as Group chat, Careers, Timetable, Games, Time Machine, Paint Board, Wish list creator and so much more.

• Interest payment payable on the minimum monthly balance

• 50% additional interest payable at the end of the year on average yearly balance for withdrawals between 1 - 6 within the calendar year.

• If no withdrawals within one calendar year, bonus interest of 1% p.a. at the end of the calendar year on average yearly balance

QUALIFICATIONS:

• Maximum eligible age is 17

• Child’s birth certificate

• National ID/Passport of parents

• KRA PIN certificate

FEES:

• No ledger fees

ACCOUNT NAME:  

Online Savers Account

ACCOUNT TYPE:

Savings Account

BENEFITS:

• Paperless, easy and free to open – Open account online through I-Click internet banking

• Convenient – Open account from wherever you are anytime, no paperwork.

• 24/7 Banking – View balance and transfer funds anytime through I-Click.

• Unlimited deposits of any amount from your other I&M Bank accounts

• Interest calculated based on monthly average balance

• Interest is paid monthly

• Prevailing rate is 70% of CBR Rate

• Withdrawals restricted to 2 per month. No interest is paid  in a month where number of withdrawals exceed 2.

• Interest is paid only when monthly average balance is above Kes 5,000

QUALIFICATIONS:

• be registered in I-Click

• have an existing KES transaction account.

FEES:

Minimum balance of KES 5000