Many people like to save daily, but do not have the discipline to do so. Some people currently save with the “ESUSU” man or "AKAWO" woman daily and pay him with 1 day’s collection.
 While this system is working, many people have lost their money to fraudulent collectors.
 
FCMB (First City Monument Bank) Plc as a bank has developed an Electronic Daily Savings Scheme to help traders, small business owners, Okada Riders, Vulcanizers etc to own their own bank account and save into it without going to the bank.
 
With your POS Terminal you can sell a Thrift Savings Pre-Paid Debit Card issued by FCMB to your customers and get them to save money daily into their cards. They can also use Moneybox to save money into their Thrift Card daily.

At the end of the month or saving cycle chosen, the customer can withdraw his funds from any ATM Machine.
                                                                                                                                            
Your role:
 1. Buy the FCMB card from us and sell to your         customers.
2.     Fund your own Agent Card with as little as N10,000.00 to enable you do funds transfer to         your customer cards and collect the cash.
3.     Pay the cash back into your Agent Account with FCMB to enable you continue to fund         your customers’ cards.
4.     Customers can also use their mobile money wallet to save money into their cards.
 
Benefits to you:
 
1.     Make a profit of N200.00 to N500.00 from card sales to your customers.
2.     Earn 50% of the daily average savings by your customers at the end of every month
3.     The more your customers the higher your monthly income
4.     The more cards you sell the more money you make from card sales
5.     The higher your monthly customer deposits the more monthly average income you make.
 
 Current terms:
1.     Savings cycle of 30 days, 90 days, 180 days, 365 days available.
2.     Help customers to fill their Account Opening forms and submit to us
3.     Earn 40% of the Average daily savings per month
4.     Earn income from Funds transfer, bills payment and other services.
 
What you can do with the POS terminal:
 
Account Opening (Instant Card Issuance)
Balance Inquiry
Cash Withdrawal
Deposit
Funds Transfer
Money Load
Bills Payment
Air time Recharge

Pos terminal is free.You buy and sell the ATM cards.

The era of giving your savings to fraudsters is over.

calling but ur num is not reachable

Please keep calling or contact me on whatsapp.

With the POS terminal,the customers receive instant alert when you credit their account as you receive their daily or periodic contribution and receipt of payment printed for him or her immediately.

One pos terminal can serve any number of customers

The more cards you sell the more profit you make from card sales

You collect the cash and save it wt FCMB in customer's account

Customer's money is safe and secured

Opreation of the POS is as easy as operating your phone.

This innovation is a check on fraudsters

A guaranteed way to save and reinvest in your business.

Guaranteed access to loan opportunity after three months of membership

ojoyentalk:
Guaranteed access to loan opportunity after three months of membership

1. will the customer's card be linked to a different kind of Acct or normal savings Acct?
2. How much is the charge on customer(may be at d end of the month), they would want to know.
3. If for any reason,i did not work for maybe like a month and the Pos is with me, is there any penalty?
4. Can i do it from anywhere or must it be within the area where i collected the Pos?

biuti:

1. will the customer's card be linked to a different kind of Acct or normal savings Acct?
2. How much is the charge on customer(may be at d end of the month), they would want to know.
3. If for any reason,i did not work for maybe like a month and the Pos is with me, is there any penalty?
4. Can i do it from anywhere or must it be within the area where i collected the Pos?

Thanks for your questions.
1.The customer opens a mobile that runs as a current account but becomes savings account at the end of d saving cycle,where withdrawals can be made.
2.No new charge.
The usual Akawo charge we are used to.Average of your total savings for the saving cycle.The bank deducts #1000 from the acc of a cus that saved #30,000 for 30 days and give you the agent #500.
3.No penalty.
Customers can be given to another agent for that period pending when you will be ready to resume.
You can let ur customers save through another agent's CARD,who gets the commission for that month.
4.Where you collected or activated the CARD,not pos, is inconsequential.
Again,the AGENT'S CARD,not pos gets commission based on the no of cus tied to it.Each AGENT'S CARD has its commercial territory.when you relocate,your cus will still be saving but thro a dufferent agent's card .
Hope ur qs are answered.

ojoyentalk:


Hope ur qs are answered.

Yes, thank you. But
1. Can customer withdraw before the end of a saving cycle?
2. Do they have to re-register for another cycle after one ends?
3. Do they have to agree on a particular amount at the beginning of the cycle and must they complete the saving of the amount before the end of the cycle? Sorry for my questions, i'm not used to this kind of savings.

It's ok u'll hear from me soon

biuti:

Yes, thank you. But
1. Can customer withdraw before the end of a saving cycle?
2. Do they have to re-register for another cycle after one ends?
3. Do they have to agree on a particular amount at the beginning of the cycle and must they complete the saving of the amount before the end of the cycle? Sorry for my questions, i'm not used to this kind of savings.

1.No
As much as your money is safe with fcmb,the scheme is an automated system.
You can only withdraw at the interval between the end of your current chosen saving cycle AND before the begining of the next chosen cycle.
The whole idea is to encourage utmost discipline in your saving culture.

2.No
The saving cycle is simply the period the cus cannot withdraw his/her cash.During this period,they can periodically save into the card thro d pos and check balance thro pos or ANY ATM MACHINE.
They can only fill forms for record update.Maybe,changing from one saving cycle to the other or at the expiration of their current ATM cards,say in 2017.

3.Yes
For the purpose of filling the joining form,a customer must state the amount he wants to save on a daily basis.
Notwithstanding,a cus can increase or decrease on the stated amount during the saving cycle,depending on the daily sales or profit he makes in a day or week or month.
Your expected total cycle savings is not to be stated.
You can only save what you have,save for what you want to achieve and remember drops of water makes an ocean.
See you there.

ojoyentalk:


1.No
As much as your money is safe with fcmb,the scheme is an automated system.
You can only withdraw at the interval between the end of your previous chosen saving cycle AND before the begining of the next chosen cycle.
The whole idea is to encourage utmost discipline in your saving culture.

2.No
The saving cycle is simply the period the cus cannot withdraw his/her cash.During this period,they can periodically save into the card thro d pos and check balance thro pos or ANY ATM MACHINE.
They can only fill forms for record update.Maybe,changing from one saving cycle to the other or at the expiration of their current ATM cards,say in 2017.

3.Yes
For the purpose of filling the joining form,a customer must state the amount he wants to save on a daily basis.
Notwithstanding,a cus can increase or decrease on the stated amount during the saving cycle,depending on the daily sales or profit he makes in a day or week or month.
Your expected total cycle savings is not to be stated.
You can only save what you have,save for what you want to achieve and remember a drop of watet makes an ocean.
See you there.

Alright thank you, will contact you later.

Am loving this. Op am based in. PH, can I be an agent here in PH?

ojoyentalk:


1.No
As much as your money is safe with fcmb,the scheme is an automated system.
You can only withdraw at the interval between the end of your previous chosen saving cycle AND before the begining of the next chosen cycle.
The whole idea is to encourage utmost discipline in your saving culture.

2.No
The saving cycle is simply the period the cus cannot withdraw his/her cash.During this period,they can periodically save into the card thro d pos and check balance thro pos or ANY ATM MACHINE.
They can only fill forms for record update.Maybe,changing from one saving cycle to the other or at the expiration of their current ATM cards,say in 2017.

3.Yes
For the purpose of filling the joining form,a customer must state the amount he wants to save on a daily basis.
Notwithstanding,a cus can increase or decrease on the stated amount during the saving cycle,depending on the daily sales or profit he makes in a day or week or month.
Your expected total cycle savings is not to be stated.
You can only save what you have,save for what you want to achieve and remember a drop of watet makes an ocean.
See you there.

What is my percentage on the savings of my clients? If my client saves 50k, how much will I receive at the end of the month?

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autotrader014:
Am loving this. Op am based in. PH, can I be an agent here in PH?

Yes.
You can become an agent as soon as you get your 40 ATM cards,Only in march do we have this minimum requirement.

Grab this profitable business opportunity

A customer must buy the ATM card to start saving.

How much is the card? You didnt anwser the PH guy question about the 50k commision.

Each ATM card is 1k.
Only this march,will you get 40 ATM cards for 40k to become an agent.
Offer valid till MARCH 31,2015.

autotrader014:

What is my percentage on the savings of my clients? If my client saves 50k, how much will I receive at the end of the month?

You get 50% of the average savings of each of your customer.
For a customer who saved 50k in a 30-day month,the bank deducts 50k/30days=#1,667 and pays you,the agent, #834

Customers can even make withdrawals without ATM cards using free withdrawal slips at any branch of FCMB.

Potential customers can be anyone from shop owners to market women,vulcanizers,traders,students,housewives,etc.