Customer Services Products

Opening of Account Account will be opened same day subject to fulfillment of our “KYC” (Know your Customer) requirements and receipt of account opening form along with documents before 4:00 PM.
Cheque book issuance For Kamiyab Business account next day provided request received by 4:00PM. For other accounts, two working days.
Closing of Account Same day, upon receipt of customer’s request provided clearance is received from all the departments.
ATM/Debit Card Processed in two working days, subject to receipt of request by 3:00PM.
Delivery of Account Statement as per the following scheduleType of Accounts:
Kamiyab Business Account
Current Account
Rupee Plus Account
FCY Current
FCY Savings
PLS Savings Account
Stop payment request Executed instantly upon receipt of written request.
Issuance of balance certificate to customers and/or to Audit Firm. Balance certificate is issued within thirty minutes. Audit Report for Corporate customers within seven days
Fixed Deposit Setup Same Day Execution
Fixed Deposit Cancellation Same Day Execution
Payment of Cash Cheques Within Five minutes after the instrument is presented at the counter and depending upon the denomination and amount.
Cash Receipt Within Five minutes after the cash is presented at the counter and depending upon the denomination and amount.
Handling of Check Deposited for clearing / Transfer Within Five minutes of receipt of the cheque at the teller counter.
Issuance of Pay order/Draft by Debit to Customer account. The request of customer is executed within fifteen minutes of receipt of request at counter.
Cancellation of Pay order request. Within fifteen minutes of request at our counter.
Inward Remittance We credit the proceeds same day provided purpose of remittance is provided by beneficiary. In case it pertains to another bank client, payment is executed on the day when purpose of remittance is received.
Outward Remittance Same Day Execution
Marking of Lien on Government Securities issued by us and pledged to other banks. Bank’s request is executed same day.

Asset Services

Issuance of E-Form Same day
Processing of Advance Payment Same day subject to receipt of advance payment slip.
Processing of Export Bills sent on collection Same day on receipt of documents.
Realization of export collection document Same day on receipt in Nostro Statement or within three days if held in Special Exporters Account on the request of exporter as allowed by the SBP.
Issuance of Guarantee. Same day subject to completion of all formalities.
Issuance of amendment in Guarantee. Same day subject to completion of all formalities.
Marking of Lien on Government Securities pledged to us. Request of marking of lien is sent to the issuing bank next day.
Implementation of Limits Subject to receipt of completed executed documents & marking of Lien by issuing office, Limits are implemented by next day.
Release of Security Subject to receipt of Customer request & settlement of all the outstanding, release of security is executed same day.

Additional Information

Bank Timings

JS Bank offers 9am to 5:30pm non-stop banking services at branch cash-counters (for Pak Rupee transactions only)

  • Weekdays,excluding Fridays – 9:00 A.M to 5:30 P.M
  • Fridays – 9:00 A.M to 1:00 P.M (Break 1:00 PM to 2:30 PM) 2:30 P.M to 6:00 P.M
  • Saturdays – 9:00 A.M to 12:30 P.M (Selected Branches)

SWIFT transfer

Equipped with a state-of-the-art foreign currency account funds transfer system, JS Bank can help make transfers to and from Pakistan.

  • State of the art SWIFT mode of payment, ensuring funds transfer in shortest time.
  • Secure and efficient delivery system for inward and outward payments

Fund Transfer Instructions

Utility Bills payment

Utility bills for Electricity, Gas and Telephone can be conveniently paid at any of our branches across the country, even by persons not maintaining a bank account with us.

Sale and Encashment of Government Of Pakistan Securities

JS Bank is an authorized agent with permission to sell and encash Government of Pakistan Securities (Defence Saving Certificates and Special Savings Certificates). This facility can be availed by our account holders from any of our countrywide branches.