Checking Accounts

Access Checking Account

Get a hassle-free bank account and manage your money 24/7 online or over the phone.

  • $5 Monthly Service Fee waived for 3 months after account opening or with a Relationship Tier or each month the account has RM250+ in Enhanced Direct Deposit
  • $2.50 fee for non-ZestATMs
  • No Overdraft or Returned Item Fees
  • Access Checking is designed so that certain transactions won’t be authorized

Switch your Checking Account in a simple, reliable and stress-free way in only 7 working days.

Apply for Crysta Bank's Access Checking Account today:

Are you eligible?
  • You need to be 18 years or older
  • Your residential address must be up till date
  • You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
  • You must pay at least RM500 a month (or RM3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
  • If you are resident in the United States, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

  • If you are liable to pay tax, you must apply in any of our branche in your country
  • Residents please visit your local branch
  • If applying in local branch, all parties will need to be present

How Access Checking Account can help you

Overdraft service

You can arrange an overdraft on your bank account, subject to your credit status. Use our overdraft calculator to understand how much interest you will pay when you use your overdraft. For full details of our overdraft rates and charges see our price list.

Lending options to suit you

Enjoy the freedom to do more with a Zest Bank Credit Card or Personal Loan, subject to status.

Stress free switching

The Checking Account Switch Service is simple, stress-free and supported by our dedicated switching team.

Zest Bank Visa Debit card

  • Visa offers
  • Contactless functionality
  • Available to use in 160 countries3

Everyday banking

Choose how you want to bank either by online, mobile or telephone banking4. You can check your balance, pay bills or make payments to family and friends.

1. For Zest Bank customers only with Online Banking & iPhone, iOS 10 or above. 

2. Apple and iPhone are trademarks of Apple Inc. registered in the U.S and other countries. 

3. Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals  a Cash Fee of 2% of the cash withdrawal (minimum: RM1.75, maximum: RM5)). We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current Visa scheme exchange rates are available at www.visaeurope.com.

4. Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us. 

 

Apply for Access Checking Account

Are you eligible?
  • You need to be 18 years or older
  • Your residential address must be up till date
  • You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
  • You must pay at least RM500 a month (or RM3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
  • If you are resident in the United States, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

  • If you are liable to pay tax, you must apply in any of our branche in your country
  • Residents in the United Arab Emirates please visit your local branch
  • If applying in local branch, all parties will need to be present

Existing customers

Access Checking Account customers can book an appointment to apply in branch by calling.

From outside the United Arab Emirates.

You'll need to bring identification and proof of your address.

Find your nearest branch

New to Zest Bank

It only takes a few minutes to apply online for a sole or joint Access Checking Account.

Residents living outside the United Arab Emirates must apply in branch and all parties will need to be present.

Apply for a sole account Apply for a joint account