Interest is capitalized only in the case of the “Child” deposit. The capitalization of interest is carried out once a year, on January 10, by adding it to the deposit amount, and the interest rate continues to be accrued on the total deposit amount from the date of deposit.

 For "Classic" and "Classic+" deposits,
In case of requesting the deposit or a part thereof before maturity date, instead of the interests defined by agreement  interest is calculated at an annual rate of 0% for the Deposit or the requested part. If the contractual interest has already been paid to the depositor, then the Deposit is considered recovered to the extent of the interest amount already paid.

For "Beneficial" and "Simple" deposits, in case of requesting the deposit ahead of maturity instead of the defined interest amount interests are calculated and paid for the deposit at defined recalculated interest. If the defined interest amount has already been paid, the deposit is considered to be recovered to the extent of the interest amount calculated more than the recalculated interest.

For "Child" deposit:
 in case of requesting the deposit or a part thereof ahead of maturity, the accrued interest is paid to the client, except for the period between the last accrual date and deposit request date for which interests are calculated at 0% interest rate.

In the case of the “Classic” deposit being placed with a maturity period of  less than 274 days, no additional funds can be added to the deposit. If it is extended under such conditions, funds may be added only on the day of extension and in an amount not exceeding the outstanding amount of the deposit.

• For “Classic+” and “Beneficial” deposits:
  It is not possible to add additional funds to the deposit.
• For the “Classic” deposit:
  Funds may be added to the deposit if it is placed with the condition of being recovered in a tenor of 274 days or more, and only up to the 180th day preceding the (extended) maturity date. The amount of additional funds cannot exceed the remaining balance of the deposit at the time of placement (extension).
• For the “Beneficial” deposit:
  Funds may be added to the deposit up to the 91st day preceding the maturity (extended maturity) date for AMD deposits, and up to the 181st day for foreign currency deposits. Interest on these additional amounts is calculated at the same interest rate and under the same conditions as the deposit. The total of the initially placed (extended) amount and the additional amounts cannot exceed the maximum total deposit amount defined for the deposit.
• For  “Child” deposit:
  Funds may be added to the deposit at any time and in any amount up to the 60th day preceding the deposit’s maturity date.

Yes, the deposits accrued on the deposit may be transferred to card account based on depositor's order.
Based on the volume of the deposit ARMECONOMBANK OJSC grants free plastic cards to its depositors:
1) ArCa Classic card in case of any volume

2) In  case  of  AMD  300,000 /equivalent foreign currency/ and above deposits - plastic cards of Mastercard Standard, Mastercard Gold, VISA Classic, VISA Gold types.