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Upper Amenfi Community Bank PLC
UPPER AMENFICOMMUNITY BANK PLC.
ALWAYS AT YOUR SERVICE
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Upper Amenfi Community Bank PLC
UPPER AMENFICOMMUNITY BANK PLC.
ALWAYS AT YOUR SERVICE

Empowering communities with modern, secure financial services for over 39 years across Western, Western North, and Central regions of Ghana.

Banking

  • Savings Accounts
  • Current Accounts
  • Fixed Deposits
  • Personal Loans
  • Business Loans
  • Microfinance

Company

  • Our Story
  • Leadership & Governance
  • Investor Relations
  • Community Impact
  • News & Updates
  • Current Rates

Support

  • Contact Us
  • Find a Branch
  • Calculators
  • USSD Guide
  • Security Tips
  • FAQs

Contact

+233 (0) 509 314 527
info@upperamenfirb.com
Wassa Ankwaso, Western Region, Ghana
Licensed by Bank of Ghana
Ghana Deposit Protection
ARB Apex Bank Member
PLC Status

Disclaimer: Upper Amenfi Community Bank PLC is licensed and regulated by the Bank of Ghana. The information provided on this website is for general informational purposes only and does not constitute financial, investment, or legal advice. Product features, interest rates, and fees are subject to change without notice and may vary depending on individual circumstances. The Bank of Ghana deposit insurance covers eligible deposits up to the applicable limit. For personalized advice, please visit any of our branches or contact our customer service team.

© 2026 Upper Amenfi Community Bank PLC. All rights reserved.
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Upper Amenfi Community Bank PLC
UPPER AMENFICOMMUNITY BANK PLC.
ALWAYS AT YOUR SERVICE
Banking services

Every Account Tells a Story

Deposit Products

Savings & Accounts

From micro-savings with doorstep collection to high-yield fixed deposits — choose the account that fits your lifestyle.

A fixed deposit account pays a fixed rate of interest until a given maturity date. It may be withdrawn upon prior notice to the bank and/or by having a penalty levied. The rate of return is very attractive and highly competitive.

Features

  • Applicants must hold an existing account with the bank
  • Accepts a specified sum determined by the bank, payable at maturity
  • Minimum deposit duration: 3 months
  • Flexible tenors: 3, 6, 9, or 12 months
  • Premature redemption subject to emergencies — customer loses 10% of interest accrued
  • Fixed Deposit Certificates may be offered as collateral for bank loans

Benefits

  • Encourages a savings habit for a longer period
  • Earn a higher interest rate than normal savings
  • Invest as much as possible with no upper limit
  • Can be pledged as security for borrowing

Normal savings accounts are meant for individuals operating singly or jointly with other individuals, associations, clubs, and organizations. The main objective is to promote a culture of savings.

Features

  • No restriction on the amount of deposit
  • Continuing nature — no maximum period of holding
  • Classified as dormant after 3 years of inactivity
  • Withdrawal frequency may be regulated by the bank
  • Minimum balance of GH₵50.00 required to keep account active
  • Cheques may be lodged into the account, subject to clearing
  • Interest-bearing account — rate determined by the bank periodically

Benefits

  • Statements of account given upon request
  • Savings can be used as security to apply for loans
  • Interest calculated on a daily basis and credited monthly

An innovative savings product involving the mobilization of cash savings at a defined daily or weekly minimum amount. Designed for clients who find it difficult to leave their homes and workplaces to visit a branch — perfect for traders, market women, and farmers.

Features

  • Mobile banker visits your doorstep daily
  • Minimum daily deposit: GH₵5.00
  • Weekly minimum total: GH₵35.00
  • Monthly collection: not less than GH₵30.00
  • Minimum GH₵30.00 balance to keep account active
  • Interest paid to depositors maintaining minimum monthly balance (as determined by management)
  • Withdraw from your Susu account at any time

Benefits

  • Save without visiting a branch
  • Perfect for traders, market women, and farmers
  • Build savings automatically with daily collections
  • Available at markets, shops, and farms
  • Group and individual accounts available

Can be operated by individuals, sole proprietors, partnership firms, companies, clubs, associations, trusts, government bodies, and cooperative societies. Also known as a demand deposit account, ideal for those with regular transactions.

Features

  • Non-interest-bearing account
  • Cheque-bearing account — cheque book issuance
  • May attract a Cost on Turnover (COT) or service charge
  • Continuing nature — 3 years of inactivity classifies as dormant
  • Overdraft facility available (short-term funds subject to interest)
  • Monthly statements provided

Benefits

  • Access to bank credit facilities
  • Fully networked and efficient banking services
  • Access to financial information
  • Instant statements of account upon request

Designed for all salaried workers in both public and private sectors who receive their salaries and allowances through a bank. This specialized account comes with automatic salary channeling and loan access.

Features

  • Automatic salary channeling from employer
  • Access to salary loans
  • ATM and E-Zwich card access
  • SMS notification on salary credit
  • No monthly maintenance fee

Benefits

  • Instant access to your salary on payday
  • Pre-qualified for salary-backed loans
  • Zero maintenance charges
  • Full digital banking access
Digital Services

Banking Beyond Branches

Access your money and manage transactions from anywhere with our suite of digital banking tools.

USSD Mobile Banking

USSD Mobile Banking

Dial our short code from any phone — no internet needed. Check balances, transfer funds, and buy airtime instantly.

E-Zwich & ATM

E-Zwich & ATM

Biometric smart cards accepted at ATMs nationwide. Withdraw cash, check balances, and make purchases at POS terminals.

Apexlink

Apexlink

Transfer money between rural banks across Ghana instantly through the ARB Apex Bank network.

Agency Banking

Agency Banking

Bank through authorized agents in your community. Make deposits, withdrawals, and payments without visiting a branch.

Mobile Money Link

Mobile Money Link

Connect your mobile money wallet (MTN MoMo, Vodafone Cash, AirtelTigo Money) directly to your bank account.

ACH Clearing

ACH Clearing

Automated Clearing House for direct deposits, salary payments, and electronic payment processing.

SMS Banking

SMS Banking

Real-time SMS alerts on all account transactions. Stay informed about credits, debits, and balance changes.

WUMT Services

WUMT Services

Send and receive Western Union money transfers at all our branches. Fast international remittances.

Ready to Open an Account?

Visit any of our 19 branches or contact us to get started. All you need is a Ghana Card.

Account RequirementsFind a Branch