Cairo Amman Bank offers its clients three types of accounts:

• Current accounts: they are accounts in which deposits and withdrawals can be made at all times, and the customer does not charge any interest on the deposited amounts. The customer can obtain a number of services through the account such as checkbooks, ATM cards, and automated services, in addition to the ability to choose the account currency (dinars, shekel, dollars, euros).
• Savings accounts: they are accounts that can be deposited and withdrawn from at all times. Customers cannot obtain checkbooks through the savings account, but the customer can benefit from a number of services through the account such as ATM cards and automated services, in addition to the ability to choose the account currency (dinars, shekels, dollars, euros).
• Term deposit accounts: they are accounts opened for customers who wish to deposit their money in the bank for a predetermined period through an agreement between the bank and the customer, during which the customer receives interest on the deposited money, which is determined based on the amount and currency of the account and the period for which the customer wants to keep the amount in the account. To obtain the agreed interest at the end of the period, the customer must not withdraw from the account during the agreed period. Otherwise, they can break the deposit and the bank will then calculate the fine for breaking the deposit without affecting the original amount. The account does not receive checkbooks or ATM cards, but it is possible to obtain automated services such as the internet bank to view the account balances and movements, in addition to the ability to choose the account currency (dinars, shekels, dollars, euros).

Cairo Amman Bank offers its clients several types of loans, the type of which is determined based on the purpose of the loan. The following is a simplified definition of the types of loans that can be obtained and granted based on a study of the client’s sources of income and the available guarantees:

Cairo Amman Bank offers its customers various cards that ensure that they meet their requirements according to their needs, which are:

• Debit cards: which is used in cash withdrawals through ATMs, and as an alternative to cash to complete purchases inside and outside Palestine, where the purchase/cash withdrawal amounts are deducted directly from the customer’s account and automatically, according to the available balance in the customer’s account.
• Credit cards: they are credit cards characterized by their credit ceiling, which gives the customer flexible purchasing power with the ability to pay the value of purchases in installments over a number of months instead of deducting the entire amount immediately. These cards are accepted at more than 24 million stores and ATMs and are also used to complete online purchases and mail orders.

To prevent falling into the trap of fraud, to protect your money from fraudsters, and to ensure that your banking operations are carried out with utmost security and safety, we offer you a number of important tips to take into account when receiving cards from the bank in terms of use and protection.

Granting credit is based on the trust that the commercial bank attaches to a person when it places at its disposal a sum of money or guarantees it for a specific period agreed upon between the two parties, and the borrower at the end of it fulfills their commitment, in turn for a certain return that the bank obtains from the borrower represented in interests, commissions, and expenses. Accordingly, a credit history is created for the customer.

• Credit History:
  It is the record that contains all the customer’s credit transactions with banks and banking institutions, which ultimately constitute a reference for the banks in deciding to approve or reject the customer’s request to obtain facilities or loans.
• Good Credit History:
  Good credit history is characterized by providing a positive reference for banks to agree to increase the credit ceiling, reduce interest, or modify the conditions required for borrowing, while the customer who does not have a good credit history does not get these benefits.
• How to build a good credit history:
  To build a good credit record, all instructions issued by the Monetary Authority regarding the method of dealing with checks and financial obligations must be adhered to, as follows:
  Financial commitments:
  • Full commitment to paying due installments on time. Hence, planning for the value of the installment must take into account the size of the income and the emergency conditions that may be faced in the future and throughout the term of the loan.
  • Make the credit limit of your credit card not high so that you do not fall into temptation and incur repayment installments for your withdrawals in amounts greater than your net income.
  • Not getting a lot of credit cards so as not to be confused with payment.
  • Your good credit history should be long to give the bank a better view.
  • Check your credit record at least once a year to discover errors, problems, and defaulting obligations to pay them on time.

1. Change the password when you receive the credit card from the bank, through your bank’s ATM.
2. When issuing a debit card immediately from the branch, set the password yourself and do not ask the employee to enter the password for you.
3. Sign the back of the new card immediately after receiving it from the bank (on the white strip).
4. When entering the card password upon purchase from any point of sale, try to enter the number privately.
5. Make sure that the value of your purchase exactly matches the amount that will be charged to your account, by comparing the invoice with the receipt issued by the machine.
6. Make sure that you get your card back after completing your purchase from the store.
7. Change the ATM PIN at least once a month, or whenever necessary.
8. Keep the password for your card private, and when necessary, keep it in a safe place without clearly indicating that it belongs to your electronic card.
9. Avoid writing the card PIN on a piece of paper and placing it in your wallet where the electronic card is located.
10. Do not disclose your card password to anyone, for whatever reasons.
11. Avoid placing easily identifiable passwords (e.g., 1111, 1212, 1234, etc.).
12. Notify the bank immediately when the card is lost or stolen, or when it is used by third parties.
13. Make sure that you are subscribed to the SMS service to receive messages every time a withdrawal or purchase is made using electronic cards, and thus you will be alerted immediately of any fraud that may occur on your card (SMS can be activated on both debit and credit cards separately).
14. If you receive an SMS stating that a withdrawal or purchase transaction has been executed on the card that was not made by you, immediately stop the card through the mobile banking application or by calling the public services center at 701-701-1700, then notify the bank/your branch.
15. If you change your phone number, go to your branch as soon as possible to update your data to ensure that you continue to receive text messages about your account transactions.
16. Be wary of any party that sends you via email or fraudulent and unreal web pages that ask you to disclose your data, information about your bank accounts, or the password of your electronic card.
17. Keep the card in a safe place where it will not be scratched, bent, or exposed to alcohol or electromagnetic radiation.
18. Do not let any store employee from which the purchase was made be alone with your electronic card, and do not allow them to photocopy it or write its number and/or the CVV number on the back of the card that is used when making online shopping.
19. Avoid online shopping from suspicious websites.
20. Be sure to deal with sites that provide the 3D Secure OTP service when shopping online, and it is not preferable to deal with sites that do not provide this service.
21. Keep the receipts of the purchases you make on your card and review and check them with your monthly account statement that you receive from the bank at the start of each month. If you do not receive your monthly statement, inform your branch directly, or compare it directly through the application of the mobile banking system.
22. When you review your account statement and notice or suspect any fraud or errors in the purchases/withdrawals that you have made or not made, contact your branch directly or call 701-701-1700 to report any errors in your account.
23. Check your credit card periodically to ensure that it is not lost, and always check the validity date of the card.
24. When making an ATM withdrawal, do the following:
    
    • Do not enter the card PIN openly, use your other hand to cover the fingers of the hand entering the PIN.
    • Make sure you take the card back after completing the withdrawal process.
    • Avoid the process of withdrawing from ATMs at night.
    • While you are using the teller, look around and behind you through the mirror installed on the teller to make sure that there are no suspicious people around you.
    • Do not withdraw from the teller if you suspect the presence of a suspicious person(s) around the teller.
25. Inform the bank immediately if you suspect that there are any odd objects on the ATM you are using (such as hidden cameras, forged keyboards, devices attached to the card reader slot, or any other odd devices).