F.A.Q

A dormant account is an account that has no customer-initiated transaction within a period of twelve months. This simply means that you have not made a deposit or a withdrawn transaction within twelve months.

It takes twelve months for an account to become dormant if no deposit or withdraw transaction is made within that period. Although, the account would earn interest within the twelve-month period but if no customer-initiated transaction is made the account will go into dormancy.

Interest payments are bank-initiated transaction not customer-initiated transaction this is why your account is attainting dormancy. Some examples of customer-initiated transactions are withdrawal and deposit of cash, payment through cheque, RTGS or internet (online) banking, use of phone banking, or ATMs etc.

We will always attempt to notify you at least 90 days before your account becomes dormant. However, you weren’t notified prior to the stipulated 90 days because we were collating all accounts that are due for dormancy in 90 days. Also, we find that sometimes customers do not notify us of a change in their contact details. If we do not have a current contact number or email address, we are unable to reach out to you to give you this important message. We ask that you always provide us with your latest contact details and address in the event that it has changed by completing our ”HAVE YOUR DETAILS CHANGE” form @ https://trustbankgambia.com/wp-content/uploads/2020/02/HAVE-DETAILS-CHANGE.pdf

The required documents for account reactivation are:

1. Valid identification document (biometric identification card, biometric driver’s license, or passport)

2. Tax Identification Number (TIN) certificate

3. One recent passport size picture

4. Proof of residential address

Documents you require as proof of address are a bank statement, residential permit, driving license (showing residential address), Tenancy Agreement, rental receipt, utility bill or cash power receipt) not more than three months from date of invoicing and date of submission.

If your account was created or updated after January 2019, we will require your valid identification document (in the event that the one you submitted at the time of opening or updating your account has expired) and proof of residential address. You will need to complete our reactivation form @ https://trustbankgambia.com/wp-content/uploads/2020/02/TBL-DORMANT-ACC-REACT.pdf

But if your account was created or updated before 2019, we will require the following documents.

1. Valid identification document (biometric identification card, biometric driver’s license or passport)

2. Tax Identification Number (TIN) certificate

3. One recent passport size picture

4. Proof of residential address – Documents you require as proof of address are a bank statement, residential permit, driving license (showing residential address), Tenancy Agreement, rental receipt, utility bill or cash power receipt) that is dated not more than three months from the date shown on the invoice.

You will also need to complete our individual account opening booklet @ https://trustbankgambia.com/wp-content/uploads/2020/02/TBANK-LTD-ACC-OPEN.pdf and the release & indemnity form @ https://trustbankgambia.com/wp-content/uploads/2020/02/fax-release-and-indemnity1.pdf

Submissions can be done at any of our branches ( https://trustbankgambia.com/branches/ ) in person or via email ( info@tblgambia.com or cleanup_crew@tblgambia.com ).

Your account can be updated at any of our Branches countrywide ( https://trustbankgambia.com/branches/ ) in person or via email ( info@tblgambia.com or cleanup_crew@tblgambia.com ).

Only you as the account holder can give instructions for the reactivation of our account. However, if you have executed a duly registered general power of attorney then your attorney may give instructions for reactivation of the account. Please note that if the power is a Limited power of attorney, we will not be in a position to accept the instructions in the event that the operation of your bank account is outside the remit of such power of attorney.

For a salary account to be closed, the account must be updated. You will therefore have to provide all the required documents (i.e. valid identification document (biometric identification card, biometric driver’s license or passport), Tax Identification Number (TIN) certificate, recent passport size picture and proof of residential address (i.e. bank statement, residential permit, driving license (showing residential address), Tenancy Agreement, rental receipt, utility bill or cash power receipt). Also, a written document requesting for account closure must be provided. Furthermore, if your account has an outstanding balance, the liability must be settled in full. If there is a balance to the credit of the account, you will also indicate if you need the fund transferred to your account or if you will withdraw it in cash.

Trust Bank is under an obligation to request specified information from you that is prescribed by national laws and regulations and/or international standards. This obligation also applies to account creation, account updating and account closure. In obtaining such information, the Bank is fulfilling its commitment towards global efforts to combat money laundering, terrorist financing and fraudulent activity. We strongly believe that such measures also ensure that adequate safeguards are always in place to help in keeping your finances safe and secure. This means if you want to close your account and your account is not updated, the Bank is obliged to request for all necessary information/documents before closure of account will be granted.

This refers to the account that you have not made a deposit into or made a withdrawal from within 12 months.

The name on your identification documents must match exactly with the name on your bank account. For example, if the name shown on your identity document is Momodou L. Sidibeh, your bank account name cannot be captured as Momodou Sidibeh.

To update/reactivate your account, you need to provide us with a deed pool to justify your name change. Additionally, you will provide a valid identification document (biometric identification card, biometric driver’s license or passport), Tax Identification Number (TIN) certificate, recent passport size picture and proof of residential address (i.e. bank statement, residential permit, driving license (showing residential address), Tenancy Agreement, rental receipt, utility bill or cash power receipt) that is dated not more than three months from the date shown on the invoice.

You can find our individual account form @ https://trustbankgambia.com/wp-content/uploads/2020/02/TBANK-LTD-ACC-OPEN.pdf . In the event that you are not resident in The Gambia, you will also need to fill and sign the release & indemnity form @ https://trustbankgambia.com/wp-content/uploads/2020/02/fax-release-and-indemnity1.pdf.

Completed forms and copy images of your documents can be submitted at any of our branches in person or sent via email ( info@tblgambia.com or cleanup_crew@tblgambia.com )

All joint account holders must sign off on the reactivation form.

You received the alert because you did not carry out a transaction on the account when it was opened.