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Automatic Application
How about making that money sitting idle in your checking account grow?
What is it?
Sign up for the service now and ensure greater efficiency in managing the availability of financial resources in the short term.
In this option, the balance of your checking account can be increased safely and conveniently through returns backed by a fixed-income security.
Frequently Asked Questions
What is the product and why is it important to me?
It is a financial service constituted through a CDB – Bank Deposit Certificate, that is, a fixed-income security issued by Banese, which provides automatic investment of available funds in a checking account and automatic redemption according to the need to cover the balance.
Is it a financial investment product?
No. The Automatic Application CDB is not considered a financial investment product, but rather a service that remunerates the available balance in a current account through financial investment in a fixed-income security that may result in a monetary return lower than that of an investment and is used by Banese as a fundraising instrument.
Who can apply or join?
All Banese account holders, whether individuals, legal entities, or government entities, are eligible to join the Automatic Investment CDB service, provided they are eligible and meet the minimum requirements.
Currently, the service operates with eligibility restrictions.
What is needed to complete the hiring process?
To be eligible, you must be a Banese account holder, sign up for the service, have available funds in your checking account, and meet the current eligibility criteria.
How to hire or join?
When opening a checking account at Banese, you can do so at any time using a specific form at bank branches and service points, or through digital channels and ATMs.
*Only available for legal entities (PJ) that have an active current account card. Available only through Internet Banking via IBPF; this function is not available in IBPJ.
Is it necessary to have an API – Investor Profile Analysis – to apply?
No. Because it is not considered an investment product and the funds available in the current account are invested in a fixed-income security, the requirement for an Investor Profile for the financial investment is waived; only the eligibility criteria are observed.
After signing the contract, is the available balance in the checking account automatically invested?
No. Upon signing up, the account holder is eligible to operate within the Automatic Investment CDB program, but to make financial investments, they must meet the current eligibility criteria.
What is the minimum investment amount?
The Automatic Application CDB has eligibility rules that may change according to market dynamics.
What is the due date?
Currently, the Automatic Application CDB has a maturity period of 181 consecutive days, with Banese reserving the right to change this period at any time.
What is the compensation/profitability?
The Automatic Application CDB (Certificate of Deposit) has a return linked to a percentage of the DI (Interbank Deposit) rate, and its conditions may change according to market dynamics, without affecting investments already made.
Does it have liquidity?
Yes. The Automatic Application CDB has daily liquidity, meaning the net invested balance is available for redemption at any time and automatically.
Are taxes applicable?
Yes. Because it is a service linked to a fixed-income financial investment, the gross returns are subject to taxation with the incidence of IOF – Tax on Financial Transactions and IR – Income Tax, according to current legislation and withheld at source upon redemption.
What is the associated risk?
The CDB Automatic Application has a risk considered low.
How can I check my invested balance?
Access our digital channels to check the balances of your financial investments in the Automatic Application CDB.
How can I view my investment statements?
Access our digital channels to view your Automatic Investment statements for the last 6 months.
Is it possible to cancel the contract or membership?
Subscription to the Automatic Application CDB service can be cancelled at any time using a specific form at bank branches and service points, or through digital channels and ATMs.
*Only available for legal entities (PJ) that have an active current account card. Available only through Internet Banking via IBPF; this function is not available in IBPJ.
After cancellation, is the invested balance automatically refunded?
No. The balance invested in the Automatic Investment CDB will remain invested and will be redeemed as needed to cover the current account balance, either in full or in part. It is also possible to request redemption of the invested balance at bank branches and service points.
