Earn First is a term deposit product offered to Retail and Retail Institution customers allowing them to earn interest in advance with a scope to reinvest that amount for a higher return. The unique feature of this product is that interest is given upfront, at the time of opening the fixed deposit. Minimum amount required to open an Earn First is BDT 100,000. Earn First can be opened for 3 months, 6 months, 12 months, 24 months & 36 months.

What are the

  • Bangladeshi nationality
  • Individual both singly or jointly
  • Institution


For Individual Customer:
  • Duly filled application form
  • Photograph of applicant(s)
  • Photograph of nominee(s) (Attested by applicant)
  • Copy of National ID (NID)/ Passport/ Driving License) (For each applicant and nominee)
  • Copy of document proofing latest income tax return (If applicable)
  • Document supporting source of income
  • Other documents (If required)

Additional document for Institutional Customer:

For proprietorship/ Partnership entities:
  • Copy of Trade License
  • Copy of partnership deed (if applicable)
  • Other document (If required)
For Limited company:
  • Copy of Memorandum & Article of association (MoA)
  • Forwarding letter
  • Board resolution
  • Information of directors
  • Other document (If required)
For Trust/Association/Charity/Club:
  • Certified copy of the Constitution/By-Laws/Trust Deed/Memorandum & Articles of Association
  • Certificate of Registration of the Association/Club/Charity/Trust
  • Extract of Resolution of the Association/Club/Charity/Trust/Society

Fees &

  • Taxes & excise duty as per government rules