A savings account consisting of pockets that can be opened according to the customer's needs.

Benefits

1. Open an account without having to visit the bank Mestika.                     
2. Offers a higher interest rate than the main account (My MiND).                       
3. Manage your saving goals according to your needs.              
4. Change the MiND Pocket name based on your saving purpose.  
5. Funds can be transferred to the My MiND Primary Account at any time through MiND by Bank Mestika application.
6. Transaction information for the account can be obtained through MiND by Bank Mestika application or via email.
7. Transactions can be performed at any time through the MiND by Bank Mestika application.

Terms and Conditions

1. Have an active main account – My MiND.
2. Create a MiND Pocket name.
3. Ensure that the mobile phone network is stable to complete the registration, identification, and verification processes in accordance with the provided guidelines.
4. The minimum initial deposit is Rp1.

Additional Information

1. The opening and closing of accounts can only be done through the MiND by Bank Mestika application.
2. Savings interest is calculated at the end of each month and credited to the savings account at the beginning of the following month.
3. Changes in the savings interest rate will affect the amount of interest received.
4. Interest will be earned with a minimum daily balance of Rp0.01.
5. All interest income is subject to tax in accordance with applicable tax regulations and will be charged to the customer. The tax is applied simultaneously with the interest payment.
6. Customers can perform transactions on their MiND Pocket account as follows: 

   Debit Transactions	Credit Transactions
   Only to the customer’s own main account – My MiND.	From own account (Main Account)
   	From Bank Mestika Digital Banking account (Main Account)
   	From a Bank Mestika account
   	From another bank
   	Cash deposit via CRM or Bank Mestika teller counter

7. In the event of any discrepancy in the account balance, the balance recorded in Bank Mestika’s books and records shall prevail.
8. Clear, accurate, correct, easily accessible, and non-misleading information regarding products and/or services, including fees, benefits, and risks, is available through the website www.mindbybankmestika.co.id or by contacting MestikaCall 14083.

Risks

1. Transaction failures may occur due to disruptions in the internet network.
2. Any unauthorized use of the Password and transaction PIN that results in transactions shall be the responsibility of the Account Holder. Bank Mestika shall be released from any claims for compensation or damages suffered by the Account Holder or any other party arising from such transactions. Any negligence or disclosure of the Password and PIN number, resulting in their use by other parties with malicious intent toward the Account Holder’s account, shall be the sole responsibility of the Account Holder.
3. An account with no balance inquiry, deposit, or withdrawal activity for more than 360 consecutive days will have its status changed to inactive on the 361st day.
4. An account with no balance inquiry, deposit, or withdrawal activity for more than 1,800 consecutive days will have its status changed to dormant on the 1,801st day.

Download Overview of Product and Service (Personalized) of MiND Pocket