Yes, except for bancassurance products which may be mandatory or optional depending on the subscribed package and are charged separately.

The package allows you to make considerable savings compared to separate sales and to benefit from several advantages:
● Checking account with bundled account maintenance fees and regular operations.
● Withdrawal and payment bank card (several types of cards available depending on the package).
● Free access to your personal BMCE Direct account to remotely monitor your account via web or mobile.
● Overdraft authorization depending on the subscribed package, subject to the discretion of the branch.

You have several channels to check your balance/history of transactions:
● By logging into your BMCE Direct account via web or smartphone
Subscribe for FREE to the "BMCE Direct" service by visiting your branch
● By using a BANK OF AFRICA ATM
● By calling the "Direct Line" at 080 100 8100* (from Morocco) or +212 5 22 42 15 42* (from abroad) from 8am to 10pm, 7 days a week
Your balance can be securely communicated to you through a strong authentication system using the BMCE Direct code.

The actual balance is the amount that is actually available in your account, reduced by the number of pending transactions (blocks)..

You can appoint a proxy to manage your account through a signed and legalized bank proxy according to the model established by BANK OF AFRICA.

The individuals involved in opening a joint account must visit the branch at the time of account opening to deposit their signature and inform the account manager of the desired account management mode: separate or joint signature.
 

You have the option to open the following accounts:
● A convertible Dhs account: It can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams and foreign currencies.
● A foreign currency account

You have the option to open the following accounts:
● A checking account in Moroccan Dirhams (Dhs) for your daily transactions
● A savings account in Moroccan Dirhams (Dhs) for your savings
● A convertible Dirhams account: It can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams and foreign currencies.
● A foreign currency account

• - You are an individual:
  You have the option to open the following accounts:
  ● A checking account in Moroccan Dirhams (Dhs) for your daily transactions
  ● A savings account in Moroccan Dirhams (Dhs) for your savings
  The convertible Dhs account can only be funded in foreign currencies but allows for withdrawals in Moroccan Dirhams within Morocco and in foreign currencies abroad.
  - You are a professional:
  You have the option to open the following accounts:

Azur

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