Three Good Reasons to Choose the Total Account Package Offered at ProCredit Bank
No matter how essential banking services are to us, the way these services are described on bank websites can often lead to real confusion—or even frustration. What exactly is included in the package of services you receive with your current account, and what isn't? And how can you even begin to decide which of two accounts better suits your financial goals and day-to-day needs? If you’ve been asking yourself these questions, don’t worry—you’re not alone. Below, we address one of the most common questions we receive from prospective clients: Why should I choose the Total Account Package?
#1 Free Cash Withdrawals at ATMs of Other Banks
What are the chances you’ll always find your bank’s ATM right when you need it? In urgent situations when you need cash, you'll most likely head to the nearest available ATM and withdraw funds—regardless of the withdrawal fee. At first glance, this may not seem like a major issue, but if you add up all the fees for using out-of-network ATMs over the course of a month, you’ll quickly realize that money could have been put to much better use.
The good news? With our Total Account Package, you can make up to five withdrawals per month at ATMs of other banks—free of charge. Helpful, isn’t it?
Let’s put that into perspective. Each withdrawal at an out-of-network ATM typically incurs a charge of 2% of the withdrawn amount, or a minimum of RSD 130 per transaction. That adds up to at least 650 dinars per month. With the Total Account Package, that’s one less thing to worry about.
Every ATM becomes your ATM – go about your daily routine, run errands with ease, and withdraw cash wherever it suits you. On us.
#2 Free Transactions via eBanking and mBanking
Do electronic payments (eBanking) and mobile banking (mBanking) make your life easier? We get it—we love them too! No more queuing to pay bills or send money to family members. Just a few clicks, and your funds are on their way to where they’re needed most.
If you regularly carry out a high number of transactions each month, then the cost of each one surely matters to you. You’ll be pleased to know that with the ProCredit Total Account Package, you can make up to 10 electronic transactions per month free of charge. Any additional transactions will be charged according to our official Price List.
How much do you save by choosing the Total Account Package? The maths is simple: 10 transactions would normally cost 20 dinars each, meaning you save at least 200 dinars each month on eBanking and mBanking transactions.
#3 Overdraft (FlexFund) – The Most Affordable Authorised Overdraft on the Market
If you think an authorised overdraft is a useful feature to have with your bank account, then you’re in the right place. At ProCredit Bank, you can activate overdraft (FlexFund) – an authorised overdraft facility of up to two monthly salaries.
Why is it beneficial? The overdraft is approved quickly, with no additional processing fees. You can activate it online, without visiting the bank. The interest rate is 9% per annum, and it is charged only on the amount used and for the number of days it is used.
Interested in FlexFund and want to know more? Visit our website to check the details and submit your application today.
Additional Benefit: Favourable Mid-Market Exchange Rate for Euro Transactions
Buy, sell, and pay in euros without worrying about the exchange rate! With the Total Account Package, you benefit from a preferential mid-market exchange rate for currency exchange transactions conducted via ProCredit Bank, up to a monthly limit of EUR 1,000. This is especially useful when planning your next trip abroad!
These are just a few of the many benefits included with the Total Account Package. You can find a complete list of all available services on our website, under the Total Account Package section.
When Does It Make More Sense to Choose the Basic Account Over the Total Package?
While the Total Account Package offers numerous advantages, it may not be suitable for everyone. Here are a few situations where opting for a Basic Account at ProCredit Bank might make more sense:
Scenario #1: Your salary is paid into an account at another bank, and you only save with us
If you use another bank account as your primary current account and only use ProCredit Bank for saving, we thank you for your trust and the opportunity to support your financial goals. In this case, our free or Basic Account will be sufficient for your needs.
Scenario #2: You’re new to personal finance and don’t yet require more complex banking products
Just starting to explore financial products and services like accounts, loans, and cards? Take your time—the Basic Account is ideal for gaining experience and building financial confidence. Later, once your ‘financial muscles’ grow, you can upgrade to the Total Package Account, which offers more features.
Scenario #3: You make only a small number of transactions each month
If you're at the beginning of your financial journey, or you simply make few transactions per month (for instance, if you mostly use cash), then the Basic Account is a great fit.
Scenario #4: You’re under the age of 26 and need a fee-free account
If you’re still studying and/or under the age of 26, and you’d like to have your own debit card, the Basic Account is perfect for you. You’ll enjoy a special benefit: no monthly maintenance fee until you turn 26, while still having access to features like Flex Savings, eBanking, mBanking, and term deposits.
Whether you choose to open a Total Package Account or stick with the Basic Account, we’re glad you’ve chosen ProCredit as your trusted partner for managing your money. And right now, we’re running a special promotion: Enjoy six months with no account maintenance fees when you open your account online! Find more details about this promotion on our website.
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