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DCB Basic Savings Bank Deposit Account

Savings Account
  • Instant money transfer
  • 24x7 ATM withdrawals
  • Attractive rate of interest

DCB Savings Bank Deposit Account does not require you to maintain a minimum balance and offers a free ATM card too. It gives you unlimited free usage of NEFT and RTGS facilities and free internet/mobile/phone banking as well. Physical statement of accounts is provided in addition to statements through e-mail.

Highlights: 
  • Zero minimum balance 
  • Free ATM card 
  • Free internet facilities 

Highlights

Bank DCB
Category Basic Savings Bank Deposit Account
Minimum Balance Requirement No requirement of maintaining any balance
Interest Rate 4% p.a. The interest is paid every half yearly
Card Offered Free ATM Card

Services Offered by DCB Basic Savings Bank Deposit Account

Internet Banking Yes
Mobile Banking Yes
Phone Banking Yes
Cheque Book Yes; Two cheque Book of 20 leaves is free in a year.

Features of DCB Basic Savings Bank Deposit Account

The key features of the savings bank deposit account are as follows:

ATM Usage Unlimited free of charge usage of all DCB Bank and Visa ATMs in India (subject to maintenance of AQB of Rs 10,000)
Facility of Online Money Transfer Unlimited use of RTGS / NEFT facility free of charge.
Any Branch Banking Any branch banking across DCB Bank branches, free of cost
Joint Applicant Facility Anyone above 18 years of age can be added as a Joint Applicant.
High Daily Transaction Limits Enjoy ATM withdrawal limit of Rs 10,000 per day.
Annual Fee NIL
ATM Transactions Free ATM transaction at DCB and Visa ATMs.

Fees & Charges (Standard Charges) of DCB Basic Savings Bank Deposit Account

The fees and charges applicable under this deposit type are:

Account Opening Amount / Average Quarterly Balance(AQB) Nil
ATM Related Charges
Daily ATM Withdrawal Limit Rs. 10,000 per day
Annual fee Nil
ATM Issuance Fee Nil
Card Replacement Fee Free
Damaged Card Free
Clearing Charges
Fund Transfer within DCB Bank No charge for unlimited transactions
Any Branch Banking (ABB) Clearing - Outward Clearing No charge for unlimited transactions
Outstation cheque collection - DCB & HDFC Locations / Non DCB & HDFC Locations Free
Remittance Related Charges
Pay Orders (Local DD)
Free Limit of Non-cash Transactions Nil
Charges above Free Limit Re. 1 per 1000, subject to minimum of Rs. 50 and maximum of Rs. 3,000
Cash Transactions Rs. 300 per instrument
Demand Drafts (Payable at DCB & HDFC Branch Locations)
Non-cash Transactions (Free Limit) Nil
Charges above Free Limit Rs. 2 per 1000; subject to minimum of Rs. 50 and maximum of Rs. 5,000
Cash Transactions Rs. 300 per instrument
Demand Drafts (Payable at Non DCB & HDFC Branch Locations)
Non-cash Transactions - Free Limit Nil
Charges above Free Limit Correspondent Bank Charges, subject to minimum of Rs.50
Cash Transactions Correspondent Bank Charges + Rs. 300
Electronic Fund Transfers
RTGS (Inward & Outward) Free
NEFT (Inward & Outward) Free
Visa Money Transfer Rs 25 per transaction
Other Services
Cheque Deposited & Returned Unpaid
Local/Outstation Rs. 100 per instrument
Cheque Issued & Returned
Cheque Issued & Returned Rs. 500 per instrument
ECS Returns Rs. 500 per instrument
Charges for Cheques appearing in validation report for funds reasons Free
Stop Payments
Stop Payments Rs. 50 per cheque leaf; Rs. 200 per series
Statement of Account
Email (Monthly) Free
Physical (Quarterly) Free
Physical (Monthly) Rs. 200 per annum
Duplicate Statement Less than 1 year - Rs. 25 per page. More than 1 year = Rs. 100 per page
Demand Drafts / Pay order Cancellation / Revalidation & Duplicate Issuance
Cancellation / Revalidation Charges Rs. 50 per instrument
Issue of Duplicate Instrument Rs. 50 per instrument
Verifications
Signature Verification Rs 50 per document
Photo Attestation Rs. 50 per attestation
Penal Charges For Non-maintenance of AQB
Non-Maintenance Charges Nil
Account Maintenance
Scheme Transfer Fees Rs 200
Account Closure Free

Therefore, you can get DCB’s Basic Savings Bank Deposit Account if you are looking to get a basic deposit account for minimal deposits.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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