Bank Mestika Digital-Based Savings with various features that make it easier for customers to have an account and conduct banking transaction digitally.

Benefits

1. Opening an account without having to visit the Bank.                       
2. Banking transactions including transfers, bill payments, purchases, QRIS QR-Payment, and others can be done anytime and anywhere.
3. Enjoy the Request Money feature which makes it easier for you to transact with fellow MiND by Bank Mestika users.
4. Can have 3 (three) Pocket accounts which can be opened according to your needs.    
5. Funds can be withdrawn at any time through the CRM and Bank Mestika Teller Counter.
6. Transaction information for the account can be accessed through the MiND by Bank Mestika application or via email.              

Terms and Conditions

1. Must be an Indonesian Citizen and is required to have an e-KTP (electronic ID card) and NPWP (Taxpayer Identification Number). (Customers who do not have an NPWP must check the box "I do not have an NPWP").
2. Download the MiND by Bank Mestika application and complete registration for account opening.  
   1. Ensure that the mobile phone network is stable to complete the registration, identification, and verification processes in accordance with the provided guidelines.
3. The minimum initial deposit is Rp0 (zero Rupiah).   

Additional Information

1. Account opening and closing can only be done on the MiND by Bank Mestika application.   
2. Customers are only permitted to open one (1) My MiND Primary Account.                          
3. Savings interest is calculated at the end of each month and credited to the savings account at the beginning of the following month.
4. Changes in savings interest rates affect the nominal interest received.
5. Interest will be earned with a minimum daily balance of Rp0.01.
6. Any interest income will be subject to tax in accordance with applicable tax regulations and will be charged to the Customer. Tax is levied simultaneously with the interest payment.
7. Transactions that can be performed on the My MiND account are as follows:

   Debit Transactions	Credit Transactions
   To Own Account (Sub Account/Online Deposit/Online Terms Savings)	From Own Account (Sub Account/Online Deposit/Online Terms Savings)
   To Bank Mestika Digital Banking accounts (Main Account & Sub Account)	From Bank Mestika Digital Banking accounts (Main Account)
   To Bank Mestika Accounts	From Bank Mestika Accounts
   To Other Banks (Transfer SKN/RTGS/ONLINE/BI-FAST)	From Other Banks
   Cash withdrawal at CRM and Bank Mestika Teller counters	Cash deposit via CRM and Bank Mestika Teller counters
   Bill Payment and Purchase Transactions
   QRIS-QR Payment Transactions
   Virtual Account Transactions

8. If the MiND debit card is damaged or lost, the Account Holder may request a replacement MiND debit card through MiND by Bank Mestika application.
9. In the event of any discrepancy in the account balance, the balance recorded in Bank Mestika's books and records shall prevail.
10. Clear, accurate, correct, easily accessible, and non-misleading information regarding products and/or services, including applicable fees, benefits, and risks, is available on MiND by Bank Mestika website or by contacting MestikaCall 14083.

Risks

1. Transaction failure may occur if there are internet network disruptions.          
2. Any unauthorized use of the Password, OTP Code, MiND Debit Card PIN, 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. If the MiND Debit Card is misused by others, any resulting loss is the responsibility of the MiND Debit Card owner.
4. The Digital Banking account will be frozen if the Account Holder does not activate the MiND Debit Card within 360 (three hundred sixty) calendar days from the date the account is opened.
5. 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.
6. 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 Product and Service (Personalized) of My MiND