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DCB Bank Family Savings Account

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

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

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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