@ezinne,Accra is not bothered about the bank you both your money,a bank is a bank the onus is on you to ensure that the money is verifiable.Secondly,your salary account is an indicator of your employment and you might not neccessarily have a fat amount in it but it will show the VO that you are in employment and that will show will your monthly salary and allowances.Thirdly,your fixed deposit should be money that has been fixed over some month and still current.You cannot use the past certificate except you still have the money running,then you demand for another cerificate from the microfinance bank.Ig