This is an interest-bearing current account created to cater for the needs of customers that are COT averse. It offers customers the opportunity to run their businesses and earn interest on the same account and at no transaction cost (COT free). You only require a minimum opening/operating balance of N100,000, a maximum turnover of N100 million to qualify for zero COT. The customer also earns interest at 1% per annum, enjoy limitless withdrawals and also free online Banking access.