Contents
How to Claim Your Deposit from Heritage Bank: NDIC’s Step-by-Step Guide
In the wake of the Central Bank of Nigeria’s (CBN) revocation of Heritage Bank’s operating license, the Nigeria Deposit Insurance Corporation (NDIC) has initiated a structured process to ensure depositors can reclaim their funds. This article provides a comprehensive guide on how depositors of Heritage Bank can claim their deposits according to NDIC’s guidelines.
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1. Payment to Depositors with Alternate Accounts
Depositors who have alternate accounts within the banking industry will be paid up to the insured amount of ₦5 million per depositor. This payment will be facilitated using their Bank Verification Number (BVN) to locate their alternate account.
2. Payment to Depositors without Alternate Accounts
For depositors without alternate accounts, the process is as follows:
- Visit the Nearest Bank Branch: Deposit holders are required to visit the nearest bank branch with proof of account ownership and a verifiable means of identification, such as a driver’s license, permanent voter’s card, or National Identity Card.
- Online Verification: Alternatively, depositors can verify their accounts online by visiting the NDIC claims page on their website (www.ndic.gov.ng/claims/claims). They need to download and fill out the claims forms and upload the required documentation.
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3. Liquidation Dividends for Depositors with Funds Exceeding ₦5 Million
Depositors with funds exceeding the insured limit of ₦5 million will be eligible to receive liquidation dividends. These dividends will be distributed once the bank’s assets are realized and debts are recovered.
4. Payment Procedures for Creditors
Creditors of Heritage Bank are advised to file their claims either by visiting the nearest branch of the bank or through the NDIC’s online platform. The payment process for creditors will commence immediately after all depositors have been compensated.
5. Repayment by Debtors
Debtors who have not yet completed their loan repayments are encouraged to contact the NDIC’s Asset Management Department (AMD) for further instructions.
6. Assurance of Safety for Depositors
The NDIC reassures all depositors that the safety of their funds in all licensed banks remains a top priority. They are urged to continue their banking transactions without fear, as banks with valid licenses are considered safe and sound.
FAQs
Q1: How can I claim my deposit from Heritage Bank?
- A: If you have an alternate account, your funds will be automatically transferred up to ₦5 million using your BVN. If not, visit the nearest bank branch with proof of ownership and valid ID or file your claim online.
Q2: What happens if I had more than ₦5 million in Heritage Bank?
- A: You will receive liquidation dividends once the bank’s assets are recovered.
Q3: How can creditors of Heritage Bank file their claims?
- A: Creditors can file their claims at the nearest bank branch or via the NDIC’s online platform.
Q4: Is it safe to continue banking with other Nigerian banks?
- A: Yes, the NDIC assures the public that all banks with valid licenses are safe and sound.
Conclusion
The NDIC’s announcement marks a pivotal moment for Heritage Bank depositors, ensuring a structured and transparent process for reclaiming their funds. By following these guidelines, depositors can facilitate the timely reimbursement of their deposits. For further details and updates, please visit the NDIC website or contact their customer support.
In the wake of the Central Bank of Nigeria’s (CBN) revocation of Heritage Bank’s operating license, the Nigeria Deposit Insurance Corporation (NDIC) has initiated a structured process to ensure depositors can reclaim their funds. This article provides a comprehensive guide on how depositors of Heritage Bank can claim their deposits according to NDIC’s guidelines.
1. Payment to Depositors with Alternate Accounts
Depositors who have alternate accounts within the banking industry will be paid up to the insured amount of ₦5 million per depositor. This payment will be facilitated using their Bank Verification Number (BVN) to locate their alternate account.
2. Payment to Depositors without Alternate Accounts
For depositors without alternate accounts, the process is as follows:
- Visit the Nearest Bank Branch: Deposit holders are required to visit the nearest bank branch with proof of account ownership and a verifiable means of identification, such as a driver’s license, permanent voter’s card, or National Identity Card.
- Online Verification: Alternatively, depositors can verify their accounts online by visiting the NDIC claims page on their website (www.ndic.gov.ng/claims/claims). They need to download and fill out the claims forms and upload the required documentation.
3. Liquidation Dividends for Depositors with Funds Exceeding ₦5 Million
Depositors with funds exceeding the insured limit of ₦5 million will be eligible to receive liquidation dividends. These dividends will be distributed once the bank’s assets are realized and debts are recovered.
4. Payment Procedures for Creditors
Creditors of Heritage Bank are advised to file their claims either by visiting the nearest branch of the bank or through the NDIC’s online platform. The payment process for creditors will commence immediately after all depositors have been compensated.
5. Repayment by Debtors
Debtors who have not yet completed their loan repayments are encouraged to contact the NDIC’s Asset Management Department (AMD) for further instructions.
6. Assurance of Safety for Depositors
The NDIC reassures all depositors that the safety of their funds in all licensed banks remains a top priority. They are urged to continue their banking transactions without fear, as banks with valid licenses are considered safe and sound.
FAQs
Q1: How can I claim my deposit from Heritage Bank?
- A: If you have an alternate account, your funds will be automatically transferred up to ₦5 million using your BVN. If not, visit the nearest bank branch with proof of ownership and valid ID or file your claim online.
Q2: What happens if I had more than ₦5 million in Heritage Bank?
- A: You will receive liquidation dividends once the bank’s assets are recovered.
Q3: How can creditors of Heritage Bank file their claims?
- A: Creditors can file their claims at the nearest bank branch or via the NDIC’s online platform.
Q4: Is it safe to continue banking with other Nigerian banks?
- A: Yes, the NDIC assures the public that all banks with valid licenses are safe and sound.
Conclusion
The NDIC’s announcement marks a pivotal moment for Heritage Bank depositors, ensuring a structured and transparent process for reclaiming their funds. By following these guidelines, depositors can facilitate the timely reimbursement of their deposits. For further details and updates, please visit the NDIC website or contact their customer support.
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