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DCB Classic Savings Account

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

Bank

DCB

Category

Classic Savings Account

Minimum Balance Requirement

Average Quarterly Balance (AQB) - Rs 5,000 (Tier 1 branches)/ Rs 2,500 (Tier 2 branches)

Interest Rate

4% p.a on a half-yearly basis

Card Offered

ATM Debit Card (Domestic and International)

Services Offered by DCB Classic Savings Account

Internet Banking

Yes

Mobile Banking

Yes

Phone Banking

Yes

Cheque Book

Yes; 25 leaves per month. Free of charge

Features of DCB Classic Savings Account

ATM Usage

Unlimited free of charge access to all DCB Bank and Visa ATMs in India (subject to maintenance of AQB of Rs 10,000)

Facility of Online Money Transfer

Transfer money swiftly and securely via NEFT or RTGS, free of charge.

Any Branch Banking

Free of charge any branch banking across all DCB bank branches.

Joint Applicant Facility

Any individual who is above the age of 18 years can be added as a Joint Applicant.

High Daily Transaction Limits

Enjoy ATM withdrawal limit of Rs 25,000 and POS spending limit of Rs 40,000 per day.

Low Annual Fee

All you have to pay is a one-time annual fee of Rs 99 for a domestic or international debit.

Free ATM Transactions

Enjoy up to 5 free ATM transaction at DCB and Visa ATMs.

Fees & Charges (Standard Charges)

Account Opening Amount / Average Quarterly Balance

Rs 5,000 (Tier I branches) and Rs 2,500 (Tier II branches)

ATM Related Charges

Daily ATM Withdrawal Limit

Rs 25,000 (domestic or International Card)

Card Issuance Fee

Rs 99 (domestic & international debit card)

Card Replacement Fee

Rs 99 (Domestic & International Debit Card)

Usage at DCB ATMs

Free of Charge up to the free limit

Usage at VISA ATMs

5 Free transactions. Chargeable from 6th transaction onwards.

ATM Usage Fee for Balance Enquiry (Visa ATMs)

Rs 25 (for International Debit Card)

ATM Usage Fee for Cash Withdrawal (Visa ATMs)

Rs 125 (International Debit Card)

Clearing Charges

Any Branch Banking (Clearing/Outward clearing)

No charge levied for unlimited number of transactions.

Fund Transfer Charges within DCB Bank

Free of charge; unlimited transactions.

Charges for Cheque Issued & Returned

Rs 500 per instrument.

Charges for Cheque Deposited & Returned Unpaid (Local or Outstation Cheque)

Rs 100 per instrument.

ECS Returns

Rs 500 per instance.

Cheque Book Related Charges

Cheque book charges above free limit

Rs 2 per leaf (monthly).

Stop Payment Charges

Rs 50 per cheque (per instance). Maximum of Rs 200 per series.

Charges for Issue of loose Cheque Leaves

Rs 5 per leaf (per instance)

Remittance Related Charges

RTGS (Inward and Outward)

Free of charge

Pay Orders (Local DD)

Free daily limit for non-cash transactions

None

Charges for DD non-cash transactions above free limit

Re. 1 for 1000 transactions (Minimum Rs 50; Maximum Rs 3000).

Charges for Cash Transactions

Rs 300 per instrument.

Demand Drafts (payable at HDFC and DCB branches)

Cash Transactions

Rs 300 per instrument

Free limit for Non cash transactions

No limit

Charges for transactions beyond the free limit

Rs 2 per 1000 9min. Rs 50; max Rs 5000)

Demand Drafts (payable at non DCB and HDFC branches)

Free limit for non-cash transactions

Nil

Charges beyond the free limit

Correspondent bank charges + 0.10% (min Rs 50) / per instrument

Charges for cash transactions

Correspondent bank charges + Rs 300 / per instrument

Visa Money Transfer

Rs 25 per transactions per instance.

Demand Draft / Pay Order Cancellation / Revalidation Charges

Rs 50 per instrument.

Charges for Issue of duplicate Demand Draft or Pay Order

Rs 50 per instrument per instance.

Cash Related Charges

Cash Deposit at any DCB Bank branch

Free Limit

Unlimited free transactions if MAB (monthly average balance) of Rs 25,000 maintained. Otherwise, a total of 5 free transactions are allowed.

Maximum daily limit for third party

Rs 50,000

Charges for transactions beyond free limit

Rs 100 per transaction.

Cash Withdrawal (any DCB branch)

Free limit

Unlimited transactions

Maximum daily limit for third parties

Rs 50,000

Penal Charges

Charges for Non-maintenance of Balance

Rs 699 per quarter

Charges for cash transactions at branch

Free transactions allowed – 3; thereafter a charge of Rs 50 per transaction will be levied on a quarterly basis.

Charges for Cheque book

Rs 2 per leaf on a quarterly basis.

Miscellaneous

Account Closure Charges

If account is closed within a period of 30 days from the first credit, no charge is levied; If account is closed post 30 days of receiving first credit but within 12 months, then a charge of Rs 250 is levied; If account is closed after a period of 12 months, a charge of Rs 100 is levied.

Scheme Transfer Fee

Rs 200 / per instance

Photo Attestation

Rs 50 / per attestation

Signature Verification

Rs 50 / per document

Standing Instructions Execution

Rs 25 /per transaction + courier / other charges

Interest Certificate / Balance Confirmation Certificate

Free for current year certificate; certificates for up to the previous 2 years, a charge of Rs 100 levied.

Charges for a Duplicate Statement

Rs 25 per page. For statements older than a year, a charge of Rs 100 per page will be levied.

Physical monthly statement

Rs 200 p.a / annually

Physical statement / quarterly

Free of charge

Email statement

Free of charge.

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