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  • DCB Bank Family Savings Account

    DCB Bank Savings Account

    Highlights

    Bank

    DCB

    Category

    Family Savings Account

    MinimumBalance Requirement

    Average Quarterly Balance (AQB) – Rs. 1, 00, 000 at group level

    Interest Rate

    4% per annum, paid in September and March

    Card Offered

    ATM Debit Card (Domestic and International)

    Services Offered with DCB Bank Family Savings Account

    Internet Banking

    Yes

    Mobile Banking

    Yes

    Phone Banking

    Yes

    Cheque Book

    Yes, 25 leaves every month, free of charge.

    Features of DCB Family Savings Account

    ATM Usage

    Unlimited access to DCB Bank and Visa ATMs in India free of charge (on maintenance of Rs. 1, 00, 000 AQB) )

    Online Money Transfer

    Transfer money within the country securely through RTGS services, at no cost.

    Any Branch Banking

    Free banking across any DCB Bank branches in India.

    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. 1, 00,000 and POS spending limit of Rs. 1, 50, 000 per day.

    Low Annual Fee

    Rs. 150 for domestic and Rs. 199 for international cards.

    Free ATM Transactions

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

    Fees & Charges (Standard Charges) of DCB Family Savings Account

    Account Opening Amount / Average Quarterly Balance

    Rs. 1, 00, 000 at group level

    ATM Related Charges

    Daily ATM Withdrawal Limit

    Rs. 1, 00, 000 (domestic and international card)

    Annual Card Fee

    Rs. 150 for domestic and Rs. 199 for international debit card

    Card Replacement Fee

    Rs. 150 for domestic and Rs. 199 for international (Debit Card)

    Usage at DCB ATMs

    No charge

    Usage at domestic VISA ATMs

    No charge

    Charge for use at VISA ATMs (Balance Inquiry)

    Rs 25 (for International Debit Card)

    Charge for use at VISA ATMs (Cash Withdrawals)

    Rs 125 (International Debit Card)

    Clearing Charges

    ECS Returns

    Rs 500 per instrument.

    Fund Transfer within DCB Bank Charges

    Free of cost for unlimited number of transactions

    Any Branch Banking (Clearing/Outward clearing)

    Free of cost for unlimited transactions

    Charges for outstation cheques deposited and returned

    Rs 100 per instrument.

    Charges for local cheques deposited and returned

    No charge

    Charges for cheques Issued & Returned

    Rs 500 per instrument.

    Cheque Book Related Charges

    Cheque book charges above free limit

    Rs 2 for each leaf for each instance.

    Stop Payment

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

    Loose Cheque Leaves issue

    Rs 5 for each leaf for each instance.

    Remittance Related Charges

    RTGS (Inward and Outward)

    No charge

    Pay Orders (Local DD)

    Daily limit on non-cash free transactions

    None. Unlimited transactions.

    Charges for Cash Transactions

    Rs 300 per instrument.

    Demand Drafts (payable at HDFC and DCB branches)

    Non cash transactions (free limit)

    Rs. 1 lakh a day

    Cash Transactions

    Rs. 300 per instrument

    Charge on transactions above free limit

    Rs 2 per 1000. (minimum-Rs. 50 & maximum Rs. 3, 000)

    Demand Drafts (payable at non DCB and HDFC branches)

    Non-cash transactions (free limit)

    Rs. 1 lakh a day

    Above free limit charges

    Rs. 2 per 1000. (minimum- Rs. 50, maximum Rs. 5, 000)

    Cash transaction charges

    Rs. 300 (for each instrument)

    Visa Money Transfer

    Rs. 25 for each transaction.

    Revalidation/ Pay Order/ Demand Draft charges

    Rs. 50 per instrument.

    Duplicate Demand Draft or Pay Order issue charge

    Rs 50 for each instrument.

    Cash Related Charges

    For Cash Deposit (at DCB Bank branches)

    Free Limit

    If Monthly Average Balance (MAB) is maintained, unlimited free transactions. If not, 5 free transactions per month.

    Maximum daily limit for third party

    Rs 50,000

    Transaction charges above free limit (above 5 transactions)

    Rs 100 per transaction.

    Cash Withdrawal (any DCB branch)

    Free limit

    Unlimited

    3rd party maximum daily limit

    Rs 50,000

    Penal Charges

    Non-maintenance of quarterly balance

    Below Rs. 1 lakh to Rs. 50, 000- Rs. 299

    Below Rs. 50, 000 to Rs. 25, 000- Rs. 399

    Below Rs. 25, 000 to Rs. 10, 000- Rs. 599

    Below Rs. 10, 000- Rs. 999

    VISA ATM transaction charges

    5 free transactions.

    6th transaction onwards- Rs. 18 per financial transaction; Rs. 7.50 per non-financial transaction.

    Miscellaneous

    Duplicate statement charges

    Free of cost

    Monthly/ quarterly physical statement

    Free of cost

    Monthly email statement

    Free of cost

    Confirmation of Balance certificate and Interest certificate

    Free of cost

    Execution of standing instructions

    Free of cost

    Setting up standing instructions

    Free of cost

    Charges to Transfer Scheme

    Rs. 199

    Closure of Account

    Closure within 30 days of first credit- Free

    Closure after 30 days but within 6 months of first credit- Rs. 250

    Closure after 6 months- Free

    Photo attestation

    Rs. 50 for each instance

    Verification of signature

    Rs. 50 for each instance

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