DCB Classic Savings Account
DCB Classic Savings Account is a basic savings account requiring a minimum balance of Rs. 5,000. It offers essential banking services like ATM withdrawals, online transfers, and debit card usage, making it suitable for everyday banking needs.
Bank | DCB |
Category | |
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:
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 savings 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. |
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
Disclaimer
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2025 BankBazaar.com.