Opening a savings account is simple! Visit our branch with a valid ID, proof of address, and a minimum deposit of 10,000 FCFA. You can also start the process online and complete it at our branch.

What are the minimum balance requirements?

Our savings accounts require a minimum balance of 5,000 FCFA to avoid fees. Fixed deposit accounts have a minimum of 50,000 FCFA depending on the term selected.

How can I access my account online?

Once your account is active, you can register for online banking at our branch or through our mobile app. You'll need your account number and a valid phone number for verification.

What documents do I need to open an account?

You'll need a valid national ID or passport, proof of address (utility bill or rental agreement), and passport-sized photos. For business accounts, additional business registration documents are required.

Loans & Credit

What types of loans do you offer?

We offer personal loans, agricultural loans, business loans, and emergency loans. Each loan type has specific terms, interest rates, and requirements tailored to different needs.

How long does loan approval take?

Personal loans typically take 3-5 business days for approval. Agricultural and business loans may take 7-14 days depending on the amount and documentation required.

What are your interest rates?

NTALCCUL offers Micro & Macro Loans with extremely competitive rates starting from just 0.5% and up to 5%, so you can borrow small or large amounts without breaking the bank. whether for daily needs or major investments, we make credit accessible, affordable and flexible for all members.

Can I pay off my loan early?

Yes, you can pay off your loan early without penalties. Early payment can save you money on interest charges. Contact us to discuss your early payment options.

Membership

Who can become a member?

We have a flexible membership program including flexible accounts for everyone. We welcome individuals, families, and businesses who share our cooperative values.

Is there a membership fee?

Yes, there's a one-time membership fee of 5,000 FCFA and a minimum share purchase of 50,000 FCFA. This makes you a part-owner of the credit union with voting rights.

What are the benefits of membership?

Members enjoy competitive rates, lower fees, dividend payments, voting rights, and access to financial education programs. You're also supporting your local community.

Can I transfer my membership?

Membership is personal and cannot be transferred. However, family members can apply for their own membership and enjoy the same benefits.

Digital Banking

Is mobile banking secure?

Yes, our mobile banking uses bank-level encryption and multi-factor authentication. We monitor all transactions 24/7 and will alert you of any suspicious activity.

What can I do with mobile banking?

You can check balances, transfer funds, view transaction history. Loan applications and account opening require a branch visit.

Are there fees for online transactions?

Most online transactions are free for members. Some services like wire transfers or expedited payments may have small fees, which are clearly disclosed.

What if I forget my login information?

You can reset your password using your registered phone number or email. For security, you may need to visit our branch with ID to reset your username.

Still have questions?

Our friendly team is here to help. Contact us for personalized assistance with your banking needs.

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