KINGSTON, Jamaica — The National Commercial Bank (NCB) has announced that, effective December 1, 2025, it will adjust interest rates on its savings and fixed deposit accounts and update its service fee structure.

The bank said the changes come after a careful and periodic review aimed at maintaining competitive returns and sustainable value for customers amid the evolving economic landscape.

Under the new structure, cash withdrawals conducted in-branch will attract revised fees:

* Withdrawals over $100,000: $379.50 per transaction (seniors aged 55 and over are exempt)

* Withdrawals up to $100,000: $750.00 per transaction

As for cash deposits — Bank Accounts Personal: 

*In-branch (where offered) Cash Deposit in Excess of J$1M per day – J$4.75 per J$1,000.00 on total deposit amount

For ATM transactions at NCB machines:

* Customers will enjoy four free transactions per month.

* A fee of $25 per transaction will apply thereafter.

For savings accounts (excluding Gold Club and Quick Save accounts):

* First two (2) ATM transactions per month are free, followed by a $35 fee per transaction after that.

Personal Account Services:

For current (chequing) accounts, the minimum monthly credit balance requirement remains $75,000.

* No charge applies if the monthly credit balance is $75,000 or above.

* If the balance falls below that threshold, a fee of $108.71 per entry will be applied.

* The minimum monthly service charge for current accounts will be $1,015.27.

NCB customers are encouraged to review the upcoming changes in detail by visiting the bank’s website at jncb.com/fees.