Kathmandu. With the development of technology, banks have started bringing not only new facilities for customers but also new facilities in deposit collection.
In the name of digital banking, banks have been providing various services to their customers through facilities like mobile banking, credit cards, C-ASBA. Citizens Bank, which recently received the ‘Bank of the Year-2024’ award, has also been providing new banking facilities to attract its customers.
On the occasion of its 17th anniversary, the bank has introduced the ‘Health and Wealth’ scheme from Baisakh, taking into account the needs and health of its customers. People of any age group can participate in this scheme.
According to the bank’s Deposit Marketing Head Paras Bikram Thapa, customers can get free eye, dental and skin treatment along with a whole-body checkup through this scheme of the bank. For this, the bank has signed agreements with various quality hospitals. The bank has introduced this scheme for the health care of the customers along with their savings.
Free mobile banking and card for the first year
The bank has provided free internet banking, mobile banking and debit card facilities for the first year when opening a new account. After the one-year period, users can reactivate it if they like it, and if they don’t like it, they can easily remove it, said Thapa, Head of Deposit Marketing.
Free Whole Body Checkup
Citizens Bank has added a new feature for its customers. On the occasion of the bank’s anniversary, it has provided a free service to its customers. By getting a whole body checkup, customers can easily find out what their physical condition is. If a customer wants to get a whole body checkup done on their own, they will have to get the checkup done at a high price depending on the hospital. But the bank has introduced such a facility when opening an account with the bank.
Free Dental Consultation
Oral and dental health are also important for overall health. Thapa said that through this account, one will get the facility of getting free dental consultation once a year.
Free eye consultation
To prevent vision problems, it is necessary to get eye check-ups done from time to time. Keeping this in mind, the bank has provided free eye consultation facility through this scheme.
Deposit Marketing Head Paras Bikram Thapa said, “The interest rate on the Health and Wealth savings account is the same as the fixed deposit. Because the interest rate on savings is up to 4.5 percent equal to the fixed deposit is included in this scheme. Through this, the bank has come up with a plan to provide a whole-body checkup once a year as well as free dental and eye consultations.”
He said that the bank has also come up with the concept of ’emergency fund creation’ in this product. He added, “Customers deposit one thousand rupees from ‘Mero Bachat’ every month in an account like force saving. This account can also be opened along with savings. It gives returns equal to those of a fixed-term account. Sometimes, in cases where money is needed urgently for medical treatment, we also provide a medical card. If you need money immediately, you can use the service up to one lakh using a credit card.”
He says that the bank also has an insurance product called ‘Surakshit Bachat Khata’ available for customers. According to the bank, anyone can open an account with a balance of at least Rs 1,000. Keeping in mind the expectations of customers, the bank has also introduced a ‘Smart Bachat’ account for the next generation of young people, which the bank says is a completely digital and green product.
Marketing Head Paras Bikram Thapa said, “This target has been brought for the young generation. Who are very busy with today’s technology. Those who open this account will have free mobile banking and card services for one year and will also get a 50 percent discount from next year. This is for those who do business completely digitally. We have said that by opening an account, we will plant a tree equivalent to supporting the environment.”
Citizens Bank has savings accounts for everyone. There are savings accounts for children, accounts for women, and products for youth for all age groups. The bank has also introduced a ‘Digital Fixed Deposit’ plan that allows you to place a fixed deposit through mobile banking. The bank has introduced a ‘Digital Fixed Deposit’ plan targeting deposit customers.
‘We have also introduced an extra deposit that gives a good return on fixed deposits. That is, the deposit that comes from fixed deposits goes into normal savings. But if you open an extra fixed deposit, you will not even use the interest earned on your savings. Fixed deposits would have yielded returns equal to those of fixed deposits. We have named such customers as extra fixed deposits,” added Marketing Head Paras Bikram Thapa.
According to him, the interest rate earned from the term in this account also goes to the recurring deposit. The recurring deposit also yields returns equal to the term. How will Citizens Bank provide easy banking to its customers in terms of service and facilities? He claims to focus on that.
He informed that the bank also has a ‘Namaste Culture’ in its services, which requires every customer to greet the bank through the facility.
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