NCB ADJUSTS SMS BANKING SERVICE FEES AND ENCOURAGES CUSTOMERS TO RECEIVE FREE NOTIFICATIONS VIA ELECTRONIC BANKING SERVICES

National Citizen Commercial Joint Stock Bank (NCB) respectfully informs our valued customers of the adjustment to the Fee Calculation Mechanism and Service Fee Schedule for the Automatic Account Transaction and Balance Notification via SMS, effective from May 1, 2025, as follows:

* The above-mentioned fee includes VAT;

* The SMS Banking service fee cycle is calculated from 00:00:00 on the first day to 23:59:59 on the last day of the month;

* The first fee collection period of May 2025 will be on June 5, 2025;

* From May 1, 2025, if a customer has an outstanding service fee debt for more than 90 days from the fee collection date of NCB, NCB will cease automatic fee collection even if the customer’s account has sufficient balance. At the same time, NCB will send a service suspension notice and temporarily suspend the SMS notification service for account transactions and balances when transactions occur. To resume the service, customers are required to contact the nearest NCB Branch/Transaction Office for support;

* In case of any other changes, NCB will notify the customer or any registered authorized representative of the customer through the NCB Website/Email/Phone Number or other methods as prescribed by NCB from time to time;

* This notice shall be deemed binding on the customer if the customer continues to use the SMS Banking service after May 1, 2025, which shall be considered as the customer’s agreement to NCB’s new service mechanism and fee schedule.

To optimize benefits, reduce costs for businesses, and enhance security, NCB encourages customers to actively use the free notification feature via Electronic Banking applications (Internet Banking/Mobile Banking):

- Lifetime free of charge

- Enhanced information security (only the account owner or authorized persons can log in to monitor account balance information)

- No delay

- Does not consume device storage, allowing data to be stored for years

- Unlimited information capacity per notification, enabling more transaction details per message and easier review in any situation

- Balance notifications can be received even when the customer is abroad

- Strengthened information security

With this change, NCB encourages customers to shift from using SMS Banking (subject to fees) to managing balance fluctuations via Electronic Banking applications (permanently free of charge) to help reduce costs for both customers and the bank. The fees charged by the bank are based on the rates published by telecom service providers and are applied only to balance fluctuation messages, while other messages such as OTPs, personal information change notifications upon request, and payment reminders are covered by the bank.

To cancel the Automatic Account Transaction and Balance Notification via SMS service, please contact the nearest NCB Branch/Transaction Office for assistance.

For more detailed information, please contact NCB Branches/Transaction Offices nationwide or call our Hotline: 1800.6166, Email: [email protected].