FOSA — Branch Banking & Withdrawable Savings
Visit any branch for withdrawable savings accounts, deposits, withdrawals, and personalised member services.
Who Is This For?
Designed for members with different goals and life stages.
Employees
Salary account holders
Business Owners
Business account members
Daily Savers
Ordinary savings members
Goal Savers
Special purpose accounts
Members
All branch banking members
Families
Household transaction needs
Key Benefits
Why members choose this product.
Withdrawable Savings
Access your funds at branch per product rules
Branch Convenience
Face-to-face member services
Multiple Account Types
Ordinary, salary, business & special purpose
Fast Transactions
Deposits and withdrawals at the counter
Member Enquiries
Get answers from trained staff
Account Opening
Open FOSA accounts at any branch
Requirements
What you need before you apply.
Eligibility
- Active SACCO membership
- Completed KYC
- Minimum opening balance per account type
Documents
- National ID
- Membership number
- FOSA account opening form
Minimum Contribution
- Opening deposit per FOSA product
- Salary account may require employer letter
Membership Requirements
- Activated member account
- No membership arrears
Visit a branch and open your FOSA account
How It Works
A clear step-by-step journey from start to finish.
Product Features
Rates, terms, and rules at a glance.
| Feature | Detail |
|---|---|
| Account Types | Ordinary, Salary, Business, Special Purpose |
| Withdrawal | At branch during working hours |
| Interest | Per FOSA product schedule |
| Minimum Balance | Varies by account type |
| Transaction Limits | Per daily policy |
| Statement | Branch or portal on request |
| Fees | Disclosed at account opening |
| Branch Hours | Mon–Fri 8AM–5PM, Sat 9AM–12PM |
* Rates and terms are indicative. Final terms confirmed at application.
Frequently Asked Questions
Answers to common questions about FOSA — Branch Banking.
FOSA (Front Office Savings Activity) provides withdrawable savings and in-branch member banking services.
FOSA accounts allow withdrawals at branch. BOSA deposits are typically non-withdrawable contribution accounts.
Ordinary Savings, Salary Account, Business Account, and Special Purpose Account.
Withdrawals are available at branch during working hours per your account product rules.
Visit any branch with your ID and membership details. Account opening is processed through member services.
Yes. Salary accounts are designed for payroll remittance. Provide your account details to your employer.
Applicable fees are disclosed at account opening and on your tariff sheet.
Yes. Request a statement or balance enquiry at any member services counter.
FOSA services are available at all member service branches during working hours.
Portal access for FOSA accounts depends on your portal enrolment. Enquire at member services.
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Ready for convenient branch banking?
Open a FOSA account and enjoy withdrawable savings with personal service.