DTB Just for Me Account

Save for your child's school fees and future with DTB Just for Me, a Kenya Shilling savings account designed to help parents and legal guardians build education savings over time. Enjoy interest on eligible balances, no opening amount or minimum balance, plus up to four free withdrawals and four free banker's cheques per year for school fees.

Overview

Preparing for school fees is easier when you build savings consistently before the next term begins. DTB Just for Me is designed to help parents and legal guardians set money aside for their children while keeping school-fee funds accessible when they are needed.

The account has no opening amount or minimum balance. Interest is earned on eligible balances above KES 1,000 and credited half-yearly. To support school-fee payments, account holders receive one free withdrawal and one free banker's cheque per quarter - up to four of each per year.

Benefits

Discover the advantages of banking with DTB Just for Me Account

No ledger fees.
No account maintenance fee.
Free monthly e-statements to help you track your savings.
One free withdrawal per quarter - up to four free withdrawals per year.
One free banker's cheque per quarter - up to four free banker's cheques per year for school fees.
Interest is credited half-yearly, helping eligible savings grow over time.

Features

Access a comprehensive suite of banking services and tools:

Currency: Kenya Shillings (KES).
Opening amount: Nil.
Minimum balance: Nil.
Interest: Competitive interest rate on balances above KES 1,000. Contact DTB for the current rate.
Interest crediting: Half-yearly.
Account and information access: Optional internet banking, optional mobile banking and e-statements.

Charges & Fees

Transaction charges vary based on amount bands. All charges are subject to applicable taxes.

Monthly maintenance fee: Nil.
Ledger fee: Nil.
Cash handling fee: 0.25% on amounts over KES 1 million.
One withdrawal and one banker's cheque are free per quarter under the product's school-fee benefit.
All charges are subject to applicable tax.

FAQs

A children's savings account helps a parent or legal guardian set money aside for a child's future needs. DTB Just for Me is specifically designed to help parents and guardians save for their children, with interest on eligible balances and school-fee benefits including free withdrawals and banker's cheques within the published limits.

The best school-fees savings account depends on how often you save, whether the account earns interest, minimum-balance requirements, withdrawal costs and how you plan to pay the school. DTB Just for Me has no opening amount or minimum balance, no monthly maintenance or ledger fee, earns interest on eligible balances above KES 1,000, and provides one free withdrawal and one free banker's cheque per quarter.

Start by estimating the next term's fees, divide the amount by the number of months remaining, and save that amount consistently. A dedicated account such as DTB Just for Me can help separate school-fee savings from everyday spending. DTB also provides a Standing Instructions Application Form, so ask the Bank whether you can automate regular transfers into the account.

Yes. The account is designed to help parents and legal guardians save for their children, and DTB provides up to four free withdrawals and four free banker's cheques per year for school-fee payments - one of each per quarter.

DTB currently publishes a nil opening amount and nil minimum balance for the Just for Me Account. Interest is available on eligible balances above KES 1,000, subject to DTB's current interest rate.

Yes. DTB publishes a competitive interest rate on balances above KES 1,000, with interest credited half-yearly. Contact DTB or your branch for the current applicable rate.

Interest is credited half-yearly. The exact rate may change, so confirm the current rate with DTB before opening or making a savings decision.

No. DTB currently lists the minimum balance as nil. This allows parents and guardians to begin saving without maintaining a fixed minimum operating balance.

No. DTB currently lists both the monthly maintenance fee and ledger fee as nil for the Just for Me Account. Other transaction charges may still apply depending on how you use the account.

The account provides one free withdrawal per quarter, giving you up to four free withdrawals per year. If you need additional withdrawals, confirm the applicable transaction charges with DTB.

DTB Just for Me provides one free banker's cheque per quarter, up to four per year, to support school-fee payments. Confirm the current process and any conditions with DTB before requesting the cheque.

Yes. DTB lists mobile banking and internet banking as optional access channels for the Just for Me Account, alongside e-statements. Ask DTB to activate the channels you need when opening or managing the account.

Yes. The product is designed to help parents and legal guardians save for their children's future, so it can support longer-term education goals as well as recurring school-fee needs. The account is not restricted only to one academic level.

A standard savings account is designed for general personal savings, while a child-focused account can offer features aligned to education and family goals. DTB Just for Me adds school-fee benefits such as free quarterly withdrawals and banker's cheques, making it particularly relevant when your savings goal is your child's education.

Compare the opening and minimum balance, interest threshold and rate, account fees, withdrawal rules, digital access, school-fee payment options and how easily you can save consistently. DTB Just for Me offers nil opening and minimum balances, no monthly maintenance or ledger fee, interest on eligible balances and specific school-fee withdrawal and banker's-cheque benefits.