High-tech banking, using our multi-channel banking system.

Personal Banking is the level of banking services available to all Zemen Bank clients. Upon opening an account, all new customers receive a debit card and are provided with immediate access to our high-tech multi-channel banking services including ATMs, Internet Banking, Call Center Banking, and SMS Banking.

At the branch, 13 tellers minimize any waiting. All transactions are electronic and we strive to complete your visit within 5 minutes. Every customer has an ATM card and personal identification number (PIN) which will be used for transactions to ensure speed and security.

Prestige Banking - Customers who maintain a minimum monthly balance of Birr 100,000 are allocated a Personal Banking Representative. The representative will handle all your transactions and banking needs in private, backed by our information technology system and fully informed of your personal banking needs.

You can contact you Personal Banking Representative personally by a visit to the branch or by phone.

 Special Z-Club customers are entitled to enjoy several Preferential and priority service privileges in every Branch using their special ID. Special Z-Club customers are privileged for specially designed debit cards with increased cash withdrawal daily limit.

• The account is tiered into Z-Club Basic, Gold and Platinum account categories to encourage account holders to build their deposit to higher category and more attractive interest rate. The more customers save, the more they will be beneficiary with the most attractive interest rate calculated daily and compounded monthly.
• The floor amount required to open Basic account shall be Birr 500,001.00, for Gold category Birr 2,000,001 and Birr 5,000,001 for Platinum account category. However, each account can be opened with birr 5,000 (birr five thousand) initial deposit and build up to the required level.
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• Unique customer ID will be issued to allow priority treatment at the counter. Specially branded ATM debit
  card shall also be issued that allows higher daily cash withdrawal limit of Birr 20,000.00 for ATM transactions.
• It is an account combining the features of both saving and current accounts operated by cheque. The account
  bears attractive interest rate calculated daily and compounded monthly. The more you save, the more
  you earn higher interest rate tiered into Executive Basic, Gold and Platinum account categories.
• The floor amount required to open Basic account shall be Birr 100,001.00, for Special Account Birr
  300,001.00, for Gold Account, Birr 500,001.00 and for Platinum Executive Account Birr 1,000,001.00.
  However, each account can be opened with birr 10,000.00 (birr ten thousand) initial deposit and
  build up to the required level.
• Other employees of the organization will be entitled up to 50% revolving salary advance facility at lower interest rate than the ordinary. All employees will have access to special consumer loan offers at attractive interest rates.

• The floor amount required to open Basic account shall be Birr 1,001.00, for Special account Birr 50,001.00
  and for Exclusive Minor account Birr 200,001. However,Special and Exclusive minor accounts can be opened
  with birr 1,000 (birr one thousand) initial deposit and build up to the required level.

• The floor amount required to open Basic account shall be Birr 2,001.00, for Special account Birr 100,001.00 and for Exclusive Youth account Birr 200,001. However, Special and Exclusive Youth accounts can be opened with birr 2,000 (birr two thousand) initial deposit and build up to the required level.