This facility is designed for current account holder who would be permitted to draw in excess of his/her credit balance with a view to paying back within a short duration.


  • It affords customers access to fund in times of temporary illiquidity.
  • It can be a revolving/ structured or temporary overdraft with a tenor of 30 days.
  • Repayment arrangement is one-off or by gradual reduction.
  • No collateral is required for salary accounts domiciled with the CCMFB.

Qualifying Criteria

  • Individuals or corporate bodies in account relationship for 3 – 6 months.
  • Domiciliation of salary executed by the employer in favour of CCMFB.
  • Demonstrate ability to repay through regular cash flow (Business accounts).
  • Provision of two third party guarantors or collateral acceptable to the bank.

How to Apply

  • Written application should be submitted for revolving/structured facility.
  • Customer should complete application form.