Smart Salary Savings Account

Cheque Book

Issued for free per quarter (20 leaves)

Debit Card limit

Rs.20,000 in a day

POS limit

Rs.30,000 in a day

NEFT and RTGS Facility

Available - Branch and Internet Banking

NEFT and RTGS - Internet Banking

Charges Applicable

NEFT (Branch)

1. Upto Rs.10,000 - Rs.2.50
2. Rs.10,001 to Rs.1,00,000 - Rs.5
3. Rs.1,00,001 to Rs.2,00,000 - Rs.15
4. Above Rs.2,00,000 - Rs25

RTGS (Branch)

1. Upto Rs.2 lakh - Nil
2. Above Rs.2 lakh to Rs.5 lakh - Rs.25
3. Above Rs.5 lakh - Rs.50

Cash Deposit at Home Branch

No charge

Cash Deposit at Non base Branch

Up to Rs.50,000 per day permitted Third party form must be submitted

Cash withdrawal at non base branch

Cash withdrawals of up to Rs.30,000 and POS at Rs.50,000 per day without any charge Third party withdrawal above Rs.50,000 is charged at Rs.1 per 1000.

Statement of Account monthly via email

Available

Cash/cheque pickup Delivery

Available

Penalty for non-maintenance of AMB

1. Shortfall upto 10% - Rs.40
2. Above 10% to 30% - Rs.80
3. Above 30% to 60% - Rs.120
4. Above 60% - Rs.160

PAP Cheque Book

After 20 free cheque leaves every quarter, Rs.2 is charged for every leaf

Anywhere Fund Transfer

Free of charge

Charge for Issue and Return of Cheque - Financial reasons

Rs.250 for each cheque

Charge for Deposited Cheque and Return

Local cheque - Rs.50 Outstation cheque - Rs.150

Cancellation of DD or PO

Rs.50 charged per instrument

Cancellation and Re-issue of instrument (Duplicate)

Rs.100 charged per instrument

DD and PO at Bank location

1. Upto Rs.10,000 - Rs.30
2. Rs.10,001 to Rs.50,000 - Rs.100
3. Rs.50,001 to Rs.1,00,000 - Rs.200
4. Rs.1,00,001 to Rs.10,00,000 - Rs.2 per 1000 ( Minimum - Rs.250, Maximum - Rs.7500)

DD of Correspondence Banks

1. Upto Rs.10,000 - Rs.30
2. Rs.10,001 to Rs.1,00,000 - Rs.2.50 per 1000
3. Rs.1,00,001 to Rs.10,00,000 - Rs.2 per 1000

Debit Card Registration Fee

Rs.50

Debit Card Annual Fee

Rs.25 Customers maintaining an AMB of Rs.10,000 can avail an exemption

Debit Card ATM pin generation

Free

Add-on card charges

Rs.100 for each card

Mobile Banking

Free

Internet Banking

Free

Phone Banking

Free

e-mail Alerts

Free

SMS Alerts

Rs.30 per quarter exempting the first quarter of account opening

E-mail Statement of Account

Free

Stop Payment Charges

Cheque leaf - Rs.50 Series - Rs.100

Charges for Delivery or Pick-up of Cash

1. Rs.25,000 to Rs.1 lakh - Rs.200
2. Rs.1 lakh to Rs.3 lakh - Rs.300
3. Rs.3 lakh to Rs.5 lakh - Rs.400
4. Rs.5 lakh to Rs.10 lakh - Rs.650

Charges for Cheque Delivery or Pick-up

Rs.50 for each cheque delivery or pick-up

Charges for Account Closure

Nil