• This product is available at all CBS branches in India.
• Auto sweep: Auto transfer of funds exceeding certain fixed amount to Term Deposit to provide high yield on such funds.
• Auto reverse sweep in case of need to honour Cheque to Savings account from Term Deposit.
• Free collection of outstation cheques drawn in favour of account holder (postage out of pocket expenses are recoverable).
• IMMEDIATE CREDIT of outstation cheques upto Rs.25,000/-, as per norms.
• FREE DEBIT CARD.
• Interest is paid on Quarterly basis.

• Simplest deposit option available to the depositor.
Easy to operate. Terms and conditions kept lucid to facilitate a layman's understanding. No hidden costs.
• Zero balance facility.
• Your deposits are insured by DICGC.
• Option for money withdrawal by withdrawal forms or by cheque.
• An ideal option to cultivate the habit of banking and saving amongst the younger generation.
• At more than 100 branches across the country we offer Universal Teller System where cash transactions up to Rs. 25000/- carried out under single window concept.
• Provision for nomination.

• The product is in the nature of superior Savings Bank Account with added value propositions to high value resident customers. The product is available at our computerized branches at Metro and Urban centers only.
• No charges for issuance of Demand Drafts (drawn on Indian branches) / Banker's Cheques to meet personal needs of the customers.
• Free transfer of funds to any branch of our bank by Mail Transfers / Telegraphic Transfers (usual telegram charges to be recovered).
• Free Baroda Money Express.
• Free collection of outstation cheques drawn in favour of a/c holder.
• Complimentary BoB PARAS Credit Card (no card issuance charges are to be levied for the first year).
• Free personal accident insurance cover during first year (with credit card): All a/c holders will be issued free PARAS Credit Card, which offers a personal accident coverage of Rs. 250000/- to credit card holders. Insurance cover will, thus, be available to SSB a/c holders, free of cost during the first year of the a/c.
• Auto / Reverse Sweep: Auto transfer of funds exceeding certain fixed amount to short deposit and auto retransfer to the account from short deposit, in case funds are required in the account to bring you higher interest with high liquidity.

• This product is available in all our CBS and BIBAS branches in different metros and urban cities.
• Overdraft facility available upto Rs 1 lac.
• Earn interest on credit balance account as per saving bank a/c rules.
• Free Chequebooks for routine requirement.
• No minimum balance requirement in the account.
• No ceiling on the amount to be deposited and credit balance in the a/c.

• Services designed to cater to a vast majority of Indian population.
• Banking simplified.
• Open account with an initial amount of just Rs. 50/-
• Zero service charges for non-maintenance of a minimum balance of Rs. 50/-

• For CBS branches only.
• Multicity Cheque Facility at over 100 + centers.
• Roaming Facility: Deposit or withdrawal of cash / cheques; transfer of funds; obtaining demand drafts / bankers cheques; make account enquiries.
• Internet Banking: Transfer of funds to linked accounts / third party accounts, Summarized view of all accounts, requests for Cheque book, Fixed deposit renewal, Account opening application form, account enquiries, down loading of account statement etc.
• Free International Debit card.

• No Ledger Folio/ Transactions charges.
• Free India Card (Charge Card).
• Unlimited ATM and Internet Transactions.
• Free Access to non-BOI ATMs under Cash Tree.
• Free Demat Account (for the first year): At select centers only. Free Multi city Cheque would be available to those employees whose Average Quarterly Balance is Rs.50,000/- or more
• Facility for Online Trading of Shares.
• Free cheque pickups/deliveries - once a day (cheque drop boxes to be installed in the Office).
• TOD Facility - equal to previous month's net salary @ Personal Loan Rate: Conditions apply.- For TOD Facility, the employee's total deductions should not be more than 65% of his total salary. Branch Managers to use their discretion based on the conduct of the Salary A/c.
• Free Personal Accident Insurance Cover (as per Debit Card & India Card privileges).
• Free Utility Bills Payment through e-Pay Facility.
• Waiver of processing charges and/or concession in R/Interest upto 25 basis points for group processing of Retail Loans of the employees. - ZMs to use their discretion.

Facility of getting Life Insurance Cover from “IndiaFirst Life Insurance Co. Ltd” upto an amount of Rs. 5.00 lac