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  • Bank of Baroda Salary Advantage Savings Account

    Bank of Baroda Savings Account

    Highlights

    Bank Bank of Baroda
    Category Salary Advantage Savings Account
    MinimumBalance Requirement Nil
    Interest Rate 4% per annum
    Card Offered ATM- cum- Debit Card

    Services Offered by Bank of Baroda Salary Account

    Internet Banking Yes
    Mobile Banking Yes
    Phone Banking Yes
    Cheque Book Yes, unlimited cheques free of cost every year.

    Features of Bank of Baroda Salary Advantage Savings Account

    Zero Balance Account Enjoy banking services without having to maintain a minimum balance
    Overdraft Facility Avail of overdraft facilities up to Rs. 1 lakh

    Fees & Charges (Standard Charges) Applicable for Bank of Baroda Salary Advantage Savings Account

    Account Opening Amount / Monthly Average  Balance Nil
    ATM Related Charges
    Card Issuance Fee Free of cost
    Daily ATM Withdrawal Limit Dependent on balance
    Annual Card Fee Rs. 100 + service tax
    Card Replacement Fee Rs. 200 for each replacement
    Usage at Bank of Baroda ATMs Free of cost
    Usage at domestic VISA ATMs 5 free transactions (3 in metro cities) a month. Above free transactions, Rs. 10 (excluding service tax)for non-financial transactions Rs.20 (excluding service tax) for financial transactions
    Clearing Charges
    ECS Returns Inward returns: Rs. 125 per instrument (up to Rs. 1 lakh) Rs. 250 per instrument (above Rs. 1 lakh- Rs. 1 crore) Rs. 500 per instrument (above Rs. 1 crore) Outward returns: Rs. 125 per instrument (up to Rs. 1 lakh) Rs. 500 per instrument ( above Rs. 1 lakh- Rs. 1 crore) Rs. 750 per instrument (above Rs. 1 crore)
    Clearing of local cheque Free of cost
    Collection of outstation cheques  
    Up to Rs. 5, 000 Rs. 25 for each instrument
    Rs. 5, 001-Rs. 10, 000 Rs. 50 for each instrument
    Rs. 10, 001- Rs. Rs. 1, 00, 000 Rs. 100 for each instrument
    Rs. 1, 00, 001- Rs. 5, 00, 000 Rs. 200 for each instrument
    Charges for local cheques deposited and returned due to financial reason (inward returns)  
    Up to Rs. 1 lakh Rs. 125 per instrument
    Above Rs. 1 lakh-Rs. 1 crore Rs. 250 per instrument
    Above Rs. 1 crore Rs. 500 per instrument
    Charges for local cheques deposited and returned due to financial reason (outwards returns)  
    Up to Rs. 1 lakh Rs. 250 per instrument
    Above Rs. 1 lakh-Rs. 1 crore Rs. 500 per instrument
    Above Rs. 1 crore Rs. 7550 per instrument
    Charges for outstation cheques deposited and returned 50% of cheque collection charges
    Cheque Book Related Charge
    Stop Payment Rs. 100 for each instrument
    Cheque leaves Nil
    Remittance Related Charges
    NEFT & RTGS (inward) Free of  cost
    NEFT (Outward)  
    Up to Rs. 1 lakh Rs. 5 for each transaction
    Above Rs. 1 lakh-Rs. 2 lakh Rs. 15 for each transaction
    Above Rs. 2 lakh Rs. 25 for each transaction
    RTGS (Outward)  
    Rs. 2 lakh- Rs. 5 lakh Rs. 28 -Rs. 33 (depending on time slot)
    Above Rs. 5 lakh Rs. 50- Rs. 55 (depending on time slot)
    Issue of Demand Draft Up to Rs. 1, 000- Rs. 60 Rs. 1, 001 and above- Rs. 5 per Rs. 1, 000 (minimum amount should be Rs. 50  and maximum Rs. 15, 000) + cash handling charges
    Demand Draft  Cancellation charges Up to Rs. 500- free Above Rs. 500- Rs. 100 for each instrument
    Demand Draft Revalidation charges Not applicable
    Issuance of  Duplicate Demand Draft (own bank) 50% over DD issuance charges
    Cash Related Charges
    Base branch cash withdrawal Free of cost
    Local non-base branch cash withdrawal Free of cost (maximum amount Rs. 50, 000)
    Cash withdrawal- outstation branch Free of cost (maximum amount Rs. 50, 000)
    Base branch cash deposit Free of cost
    Local non-base branch cash deposit Free of cost
    Outstation branch cash deposit Not applicable
    Penal Charges
    Non-maintenance of monthly balance Nil
    Miscellaneous
    Duplicate passbook charges Rs. 100 for passbook (with latest balance) Rs. 75 per page for previous entries (25 entries per page)
    Duplicate statement charges Rs. 100 for every page
    Monthly physical statement Free of cost
    Confirmation of Interest certificate First certificate- free of cost Rs. 100 for every additional certificate
    Balance certificate Rs. 75 for every certificate
    Registration of Standing Instructions Free of cost
    Execution of Standing Instructions Rs. 50 per instruction
    SMS Alerts Not applicable
    Old records enquiry 3 months to 12 months- Rs. 100 for each enquiry Above 12 months- Rs. 300 for each enquiry
    Closure of Account Rs. 200 + service tax Free of cost if account is closed due to accountholder’s demise/closed within 14 days of account being opened
    Photo attestation Rs. 200 for each photo/instance
    Verification of signature Rs. 100 per signature, Rs. 150 for joint account
    Inactive Account (more than 12 months) Nil
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