Electronic Current Account-i (eCA-i)

  • Shariah Concept
    Wadi`ah Yad Dhamanah
  • Chequeless current account
  • More efficient
  • Cost effective
  • More secured (online / e-Payment)
  • Can use to pay bills, shop, or transact online
  • 1PAY (Individual and Non-Individual)
  • i-Rakyat (Individual)
  • i-Rakyat Commerce (Non-Individual)
  • Open to individual aged 18 and above
  • Open to non-individuals (company, association, club, cooperatives, professional bodies and government agencies)
  • Minimum deposit required during account opening is RM 500 for individuals
  • Minimum deposit required during account opening is RM 1000 for non-individuals
  • Not bankrupt for individual and for non-individual must not be subjected to any winding-up order or court action
  • Introducer is required for new account opening
INDIVIDUAL / JOINT / NON INDIVIDUAL
MY KAD, Passport & etc (For Individual & All Authorized Signatories / Board of Directors)
Additional – Driving License, ID Tag, Working Permit / Confirmation Letter etc (if applicable)
NON INDIVIDUAL
SOLE PROPRIETORSHIP / PARTNERSHIP / PROFESSIONAL (where applicable)
Business Registration Certificate
Change in particulars of sole-proprietor/partners (if any)
Annual Renewal Certificate (if any)
A Letter From Professional Body / Authority Body
Certificate Of Practice
Trading License (SABAH)
COMPANIES (SDN BHD / BHD)
Certificate Of Incorporation – FORM 9
Certificate Of Trading – FORM 23 (if applicable)
Memorandum And Articles (M & A)
FORM 24 – Details Of Auth Shares, capital & etc
FORM 49 – Details Of Directors, Co. Secretary & Changes
Original Or Extract Of Board Of Director Resolution sanctioning the request to open Account with BANK RAKYAT & mode of operating
CERTIFIED TRUE COPY OF ALL DOCUMENTS BY Company Secretary
CO-OPERATIVES, ASSOCIATIONS, CLUBS, SOCIETIES, RELIGIOUS BODY ACCOUNT (where applicable)
Certificate Of Registration
Certified copy of Approved Rules & Regulations or By-Laws
Certified extract of the latest Minutes Of Meeting
Letter of Confirmation from Jabatan Agama Negeri
All docs are duly signed by Secretary & Confirmed by Chairman / President of the Body
GOVERNMENT - FEDERAL, STATE, LOCAL & STATUTORY AUTHORITIES
A Letter Of Introduction from relevant financial authority such as Treasury- Accountant General / State Financial Officer – State Financial Authority indicating the authorization to open an account with BANK RAKYAT in the name Of the government Body
Appointment of signatories, names and designations and specifying the mandate for operating of the account
SCHOOL - GOVERNMENT
A Letter from State Education Department giving approval to open an account with BANK RAKYAT
Certified Minutes / Resolutions from School Board incorporating the authority to open an account list of appointed signatories & mandate for operating the account
PEMBUKAAN AKAUN
Perkhidmatan Transaksi Caj
Minimum pembukaan deposit individu RM 500.00
Bukan Individu RM 1,000.00
Semakan CTOS Semua jenis akaun Percuma

DEPOSIT
Perkhidmatan Transaksi Caj
Deposit duit syiling Percuma untuk individu dan Perusahaan Kecil Sederhana (PKS)
Untuk akaun bukan individu:
RM 1,000.00 Pertama Percuma
RM 1,000.00 hingga RM 5,000.00 RM 3.18
Lebih dari RM 5,000.00 RM 5.30
Nota: Tiada caj akan dikenakan untuk deposit duit syiling melalui mesin deposit syiling.
Caj kiriman Bagi kiriman Image Returned Document (IRD) yang tidak dituntut selepas 3 hari melalui mel biasa kepada pemilik akaun RM 2.12

PENGELUARAN
Perkhidmatan Transaksi Caj
Penukaran duit syiling Percuma untuk individu dan Perusahaan Kecil Serderhana (PKS)
Untuk akaun bukan individu:
Loose (RM 200.00 dan ke bawah)
Percuma
Penukaran secara Pukal melebihi RM 200.00 RM 7.42 bagi setiap beg

PENDEDAHAN MAKLUMAT PELANGGAN
Perkhidmatan Transaksi Caj
Salinan penyata serta-merta (Ad Hoc) RM 2.12 bagi setiap muka surat
(minimum RM 5.30)
Pengesahan audit RM 31.80
Pengeahan bank (Pengesahan status akaun / surat rujukan) RM 21.20

Nota: *6% GST ditanggung oleh Bank Rakyat. Caj yang dinyatakan adalah termasuk 6% GST sekiranya ada.

PENYATA AKAUN SEMASA
Perkhidmatan Transaksi Caj
Kekerapan pertukaran Daripada bulanan kepada dua minggu sekali RM 5.30 bagi setiap bulan
Daripada bulanan kepada mingguan RM 10.60 bagi setiap bulan
Salinan penyata RM 21.20 bagi setiap bulan

PENUTUPAN AKAUN SEMASA
Perkhidmatan Transaksi Caj
Penutupan akaun dalam tempoh 3 bulan ianya dibuka RM 20.00 (Untuk akaun dengan baki di bawah RM20.00, Bank akan menyerap lebihan baki akaun sebagai caj perkhidmatan)

AM
Perkhidmatan Transaksi Caj
Bankcard (KAD ATM) Yuran tahunan RM 8.00* setiap tahun
Penggantian kad RM 8.00

Nota: *6% GST ditanggung oleh Bank Rakyat.
Caj yang dinyatakan adalah termasuk 6% GST sekiranya ada.