Existing and prospective customers with personal current, savings, student and mmofra accounts, excluding executive accounts of the bank qualify for the deposit and get a reward campaign being introduced from November 2, 2015 to February 29, 2016.

First Category Rewards

Deposit GHS 300 or more into any personal current, savings, student or mmofra account and leave the balance for two weeks to qualify for airtime.

Any additional deposit (top up) must also be left in the account for two weeks to qualify for extra airtime.

Monthly Presentations

There will be three monthly presentations in December 2015, January 2016 and February 2016 to reward the top ten depositors.

Qualification for Monthly Presentations

Deposit must be in the account for at least one calender month.

Deposits Qualification

A customer qualifies so far as the deposit is not a recycled amount. A recycled deposit is one from a previous withdrawal which is deposited again with the obvious objective of unfairly benefiting from the campaign.

Grand Presentation

At the end of the campaign period (February 29, 2016) the top Fifty (50) depositors will be rewarded as follows:

  • Top 5 depositors – 42 inches LED Television set
  • 6th -20th depositors – 32 inches LED Television set
  • 21st – 50th depositors – mobile phones

Eligibility for Grand Presentation

Deposit must be in the account throughout the period of the campaign.

Average Balances

The concept of average balances being used by the bank to reward customers is a reasonable approach which indicates how long funds in customer accounts are available for the bank to engage in transactions with.

Average balances are determined by the time a customer’s funds remain with the bank over a period of time. The campaign period of 121 days shall therefore be the basis for determining the average balance of customer deposits. For example a GHS 50,000 deposit on the first day of the campaign that remains untouched shall qualify for the Grand presentation if it is among the top 50 depositors.


Agricultural Development Bank (ADB), hereinafter referred to as ‘The Bank’, does not carry the liability or responsibility, in any form or kind, of any losses or dissatisfaction that might arise from a customer’s expectations about the campaign which might be determined to be contrary to the elements of the terms and conditions regulating this campaign promotion. The Bank shall not be held liable for wrong contact numbers provided by customers and airtime top-ups that fail to reach contact numbers on our base for technical reasons emanating from their mobile service providers.