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  • DCB Classic Savings Account

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




    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


    Mobile Banking


    Phone Banking


    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


    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


    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.


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

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