Tabungan TORA

• Interest earned on daily balance.
• Receives J Trust Bank ATM Card with TORA special character design.
• J Trust Bank ATM Card is connected with J Trust Bank ATM networks, ATM Bersama, Prima and any other J Trust Bank networks.
• Unlimited daily ATM withdrawal according to the type of J Trust Bank ATM Card.
• No monthly fee.
• Prizes in promotion months.
• 10 x Free online transfer fees to any Bank per month.
• 10x Free SKN transfer fee per month.
• 10x Free RTGS transfer fee per month.
• 10 x Free BI Fast transfer fees to any Bank per month.
• Free cash withdrawal at ATM Bersama and Prima as much as 4 times per day per month.

TORA Savings is an individual savings account that provides benefits due to the certainty of developing customer funds. Competitive interest rates and no administration fees will increase customer funds from time to time along with the increase in funds in the account.

• Accounts in the name of individuals & non-individuals/legal entities (including rural banks/banks)
• Savings in Rupiah (IDR).
• For Indonesian Citizens: e-KTP with NIK registered in the Population Administration Information System and NPWP.
• For Foreign Citizens: Passport & KITAS/KITAP & Tax Identification Number (TIN)
• Company: e-KTP with NIK registered in the Population Administration Information System, authorized official, NPWP, SIUP/Business License Number/Business Identification Number (NIB), Deed of Establishment and/or Company Articles of Association
• Resident Documents such as: Family Card, Certificate of Domicile, Reference/Employment Letter.
• Filling in form:
  • - Customer Data (if you are a J Trust Bank customer for the first time)
  • - ≥ Rp1.000.000,- s/d < Rp20.000.000,- = 1% p.a
  • - Account Opening (if you are going to open an account according to the product)
• Fill out and sign the Sample Signature Card.
• Minimum initial deposit of Rp 500.000.-.
• Minimum balance of Rp 100.000.-.
• FREE Savings monthly administration fee.
• Attractive and competitive interest rates:
  • < Rp 2 Million = 0.00% p.a
  • ≥ Rp 2 Million s.d < Rp 40 Million= 0.60% p.a
  • ≥ Rp 40 Million s.d < Rp 100 Million = 1.60% p.a
  • ≥ Rp 100 Million s.d < Rp 200 Million = 2.60% p.a
  • ≥ Rp 200 Million = 3.00% p.a
• Get a free ATM card so that you can make cash withdrawals/transfers/payments/purchases across the J Trust Bank ATM network, ATM Bersama & Prima ATM networks and can be used for shopping transactions through the Prima Debit Network.
• The fee for an inactive account (dorman account) is Rp 5.000 / month.
• Fees below the minimum balance of Rp 0.-.
• Account closing fee of Rp 100.000.
• Free ATM card monthly administration fee.
• Book replacement fee if lost/damaged according to the provisions of J Trust Bank.

• Stamp fee for account opening and closing.
• Transaction fees at ATM machines of Other Banks and EDCs of Other Banks (except: cash withdrawals at ATMs of Other Banks are free of charge 4X / day).
• Transfer fees and payments (Except Online Transfer via JTrust Net 10X free / month).

• Account closing available only at the opening branch and shall be applied by the account holder.
• Have a regular printed statement of your savings account.
• Passbook replacement may be requested at any J Trust Bank branches. In the event of lost passbook, request shall be accompanied with Lost Property Report from the police.
• Maintain the confidentiality of Personal Identification Number (PIN) of J Trust Debit Card and care with the card.
• J Trust Debit Card shall be at the customer's possesion and shall not be handed over to any other person.
• Customer shall sign the back side of the J Trust Debit Card (J Trust Bank ATM Card).
• In case of lost card, captured by ATM, or failed transaction, do the followings:
  • Contact Ask J at 1500 615 to request card blocking or confirmation. This is to ensure any misuse by other parties.
  • Request replacement for lost/captured card to the nearest J Trust Bank branch.
  • In case of lost card, request shall be accompanied with Lost Property Report from the police.
  • Failed transaction may be reported to any J Trust Bank Branch by completing the form provided for customer complaint and failed transaction claim.
• Non-functioning of a bank account continuously for 6 months brings it in the category of non-operative ( Dormant Account ).
• In case of any discrepancy between the entries in the Passbook and Bank Records, the latter shall prevail.