For customers – private individuals using the service of bank deposit placement.

A deposit account is opened for the purpose of making a term deposit, provided the client has a current account with the bank in the same currency as the term deposit to be made and by entering into a supplemental agreement to the Master Agreement for Banking Services Provision to Individuals at JSC “ProCredit Bank” (hereinafter the “Supplemental Agreement”). Early termination and full or partial withdrawal of the term deposit before the expiration thereof are not provided for.

The Supplemental Agreement may establish the term in which the client is to make the term deposit to the deposit account. If the amount of the term deposit is less than stipulated in the agreement as of the established deadline, the agreement is deemed null and void as of the next calendar day.

Should a term deposit be withdrawn early, including mandatory direct debit, the interest rate is applied as of the date on which the term deposit was made (if interest has been accrued) and according to the bank’s fees in effect for on-demand deposits on the date of withdrawal or mandatory direct debit.

If upon maturity the client does not request the pay-out of the term deposit, the amount remains in the deposit account and interest is accrued for the period it remains in this account after the deposit term has reached maturity at the interest rate set in the bank’s fees in effect for on-demand deposits on the date the term deposit is paid out to the client.

The bank may not stipulate that the client acquire any goods or services from the bank or its related or affiliated parties as a mandatory condition for the provision of this service.

The bank does not have the right to amend agreements made with clients unilaterally unless otherwise provided for in the Master Agreement or the laws of Ukraine.

The client may object to receiving advertising materials through remote communication channels here.

Following the termination of the agreement on the provision of banking services, including in connection with the expiration, termination or execution of the agreement, the client has the right to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information on the absence of debt and complete fulfillment of the client's obligations under the contract, which the bank provides in the form of a paper or electronic document (in accordance with the client's preferences) within five working days from the day the bank receives the request.