Benefits

Employer:

1. Current Account-i (Tawarruq) Salary Scheme:
   – Extra Profit of 0.20% higher than Board Rate for Current Account (Tawarruq) Salary Scheme Non-Individual

   Daily End Balance	*Profit Rate (p.a.)
   RM0 – RM999.99	0.20%
   RM1,000.00 – RM24,999.99	0.60%
   RM25,000.00 – RM49,999.99	0.80%
   RM50,000.00 – RM99,999.99	1.00%
   RM100,000.00 and above	1.20%

   *Profit Rates are subject to board rate

2. Fixed Term Account-i
   – Higher Profit Rate by 0.10% above Board Rate for minimum 3 months placement tenure
3. Additional benefits:
   – Free IBG charges;
   – Free 2 CIB Tokens for the first two (2) years;
   – Free CIB Subscription Fee for 1st year (Applicable for only for “Full Mode”)

Employee:

1. Current Account-i (Tawarruq) Salary Scheme:
   

   Daily End Balance	*Profit Rate (p.a.)
   RM0 – RM999.99	0.00%
   RM1,000.00 – RM4,999.99	0.30%
   RM5,000.00 and above	1.00%

   *Profit Rates are subject to board rate

2. Savings Account-i (Tawarruq) Salary Scheme:
   – Higher Profit Rate up to 0.50% p.a

   Daily End Balance	*Profit Rate (p.a.)
   RM0 – RM999.99	0.10%
   RM1,000.00 – RM4,999.99	0.25%
   RM5,000.00 and above	0.50%

   *Profit Rates are subject to board rate

3. SURIA Salary Scheme Profit Sharing Ratio (PSR)
   

   Account Holder (%)	Bank (%)
   2	98

4. Free MEPS Withdrawals:
   – Savings Account-i (Tawarruq) Salary Scheme:

   Minimum Balance	No. of MEPS Refund
   RM999.99 and below	2 times
   RM1,000-RM2,999.99	3 times
   RM3,000-RM4,999.99	4 times
   RM5,000 and above	6 times

   – Current Account-i (Tawarruq) and SURIA Salary Scheme:

   Minimum Balance	No. of MEPS Refund
   RM999.99 and below	2 times
   RM1,000 and above.	4 times

5. Waiver of Debit Card Annual Fee
   – Savings Account-i (Tawarruq) Salary Scheme: Waiver of debit card annual Fee of RM12 for 2 years.
   – Current Account-i (Tawarruq) and SURIA Salary Scheme: Waiver of debit card annual Fee of RM12 of the first year.

Features

1. Minimum Deposit:
   1. Savings Account-i (Tawarruq) Salary Scheme: RM20
   2. Current Account-i (Tawarruq) Salary Scheme: RM500
   3. Fixed Term Account-i:
      • 1 month: RM5,000
      • 2 months and above: RM1,000 iv. SURIA Salary Scheme: RM100
2. Debit Card-i

Eligibility

1. Employer
   New and existing non-individual employers who fulfill the following requirements of BMMB are eligible for the program:
   1. Opens Current Account-i (Tawarruq) Salary Scheme;
   2. Current Account-i (Tawarruq) Salary Scheme: RM500
   3. Subscribes to BMMB Corporate Internet Banking (CIB) or BMMB Retail Internet Banking (RIB)
2. Employee
   New and existing individual employee who wish to open salary account or individual employed by MuSS registered employer that possess the following requirements:
   1. Opens either Savings Account-i (Tawarruq) Salary Scheme, Current Account-i (Tawarruq) Salary Scheme or Mudarabah Unrestricted Investment Account (SURIA) Salary Scheme.

Rate

1. Employer
   1. Current Account -i (Tawarruq) Salary Scheme:
      

      Daily End Balance	*Profit Rate (p.a.)
      RM0 – RM999.99	0.20%
      RM1,000.00 – RM24,999.99	0.60%
      RM25,000.00 – RM49,999.99	0.80%
      RM50,000.00 – RM99,999.99	1.00%
      RM100,000.00 and above	1.20%

      *Profit Rates are subject to board rate

   2. Fixed Term Account-i: Higher profit rate by 0.10% p.a above board rate for minimum 3 months placement tenure.
2. Employee
   1. Savings Account-i (Tawarruq) Salary Scheme:
      

      Daily End Balance	*Profit Rate (p.a.)
      Up to RM999.99	0.10%
      RM1,000 – RM4,999.999	0.25%
      RM5,000 and above	0.50%

      *Profit Rates are subject to board rate

   2. Current Account-i (Tawarruq) Salary Scheme:
      

      Daily End Balance	*Profit Rate (p.a.)
      Up to RM999.99	0.00%
      RM1,000 – RM4,999.999	0.30%
      RM5,000 and above	1.00%

      *Profit Rates are subject to board rate