Banking Products and Services

Active Operations

NLA grant monies or partial availability multiplied by DLES bank's customers.

Other Services

Supplementary benefits are operations involving or leading active and passive entities multiplied by XLES. As customers, using the payment of commissions or not, also called neutral operations.

Active operations and some passive services are called banking products. The use of these products employs modern marketing techniques.

Account Opening (CC)

Accounts can be opened by individuals or legal entities, in national or foreign currency. The bank verifies the identity of the person opening the account and their legal capacity.

Legal Capacity

• Capacity to Act: Individuals over 18 years old in full possession of their powers.
• Minors: Parents or legal guardians represent the child.
• Judicial Declaration: In cases of disability or illness preventing self-governance.

Account Types

• Individual Accounts: Opened in one person's name. Only the owner has access to the funds.
• Joint Accounts: Opened in the names of two or more people, who are co-holders and co-owners.
• Indistinct Accounts: Any holder can access funds without requiring additional signatures.
• Conjunct Accounts: Require signatures from all holders to access funds.

Account Cancellation

The bank reserves the right to cancel accounts due to:

• Death of the account holder (individual accounts).
• Dissolution of the business (legal entities).
• Bankruptcy.

Checking Accounts (CC)

A contract of money deposit between a bank and an individual or business entity. The holder makes deposits, and the bank safeguards them, making them available for payments as requested by the client, paying the agreed interest rate. These transactions are recorded and form a block.

The label appears on the account statement, indicating the availability of funds without prior notification.

Savings Accounts

Created to capture and channel the savings of citizens and families.

Housing Savings Accounts

Designed for saving funds to acquire, expand, renovate, or build housing. These accounts have a fixed term of up to four years.

Money Deposit Contracts

Customers commit to maintaining deposits with the bank until maturity. The account book is always nominative and non-transferable. It's not possible to make arrangements freely. No escape against the book, payment orders, or checks.

Data on Account Statements

Statements include: Value date, balances, interest, days, debit and credit amounts.