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SAVING ACCOUNT DETAIL Pension Savings Account Highlights Bank AXIS BANK Category Senior Citizen Minimum AQB (Average Quarterly Balance) Minimum balance not required Interest Rate 4% Card Offered ATM cum Debit Card Main Features Procedure & Operation: For prospective Pensioner's: This facility can be availed by opening a Pension Savings Bank Account with any authorised Axis Bank Branch and providing the Account details to the Pay & Accounts Office (PAO) of the concerned Central Govt. Civil Ministry/ Departments or Pension Sanctioning Authorities (PSA's) in case of Defence Units prior to retirement. In case of existing Axis Bank customers, the details of the Saving Bank Account with the Bank need to be provided to the Pay & Accounts Office of the concerned Central Govt. Civil Ministry/ Department or Pension Sanctioning Authorities (PSA's) in case of Defence Units prior to retirement. For existing Pensioner's: This facility can be availed by opening a Pension Savings Bank Account with any authorised Axis Bank Branch and thereafter following the necessary procedures prescribed by CPAO (in case of Central Govt. Civil Ministries/ Departments) or Ministry of Defence for change of Bank for Pension Account for receiving/ drawing pension. Zero Balance Savings Account Anywhere Banking - Available at all centres Free Multi-city At Par Cheque Books International Debit-cum-ATM Card - Joining Fee & Annual Fee applicable. Personal Accident Insurance Cover of Rs. 2 lakhs. Internet Banking - Available through "iConnect". Tele-banking - Free, Available 24 hours at select centers. Demat Account - Account opening charges waived. Safe Deposit Lockers - Preferential allotment.  Fees & charges   Fees & charges Cash Transaction Withdrawal At other branches other than base branch a) upto Rs 50,000 per day (self/3rd party) - Nil b) Beyond Rs 50,000 - Rs 2.40/1000 c) Maximum limit per day - No limit Cash Deposit Inter- City cash deposits Cash deposits (at branches / ATMs other than the base branch) a) Maximum limit (per day) - 1,00,000 b)Cash deposits upto an amount of Rs 75000 per quarter - Nil c)Deposits above 75000 - Rs 4/1000 with a minimum of Rs 100 Intra- City Minimum limit per day - 1,00,000 No charges will be applicable for cash deposits at home branch ATM transaction at own bank Nil Cash withdrawal at ATMs in India At VISA/MASTERCARD enabled ATMs of partner Banks Metro/Urban - Rs 30, Gold Debit card - Nil At other VISA/MASTERCARD enabled ATMs Metro/Urban - Rs 50, Gold Debit card - Nil Cash withdrawal at ATMs in outside India At other VISA/MASTERCARD enabled ATMs Metro/Urban - Rs 125, Gold Debit card - Rs 125 Debit Card Fees Issuance fees Metro/Urban - Rs 95, Semi Urban - Rs 95, Gold Debit card - Rs 250 Annual fees Metro/Urban - Rs 100, Semi Urban - Rs 50, Gold Debit card - Rs 250 Balance inquiry at own bank Balance enquiry at branch - Rs 25 Balance inquiry at Other banks At VISA/MASTERCARD enabled ATMs of partner Banks Metro/Urban - Rs 10, Gold Debit card - Nil At other VISA/MASTERCARD enabled ATMs Metro/Urban - Rs 25, Gold Debit card - Nil Replacement of Debit Card Metro/Urban - Rs 95, Semi Urban - Rs 95, Gold Debit card - Rs 250 Issue of DD drawn on base Bank/banks branch by cheque/transfer Drawn on Centers - Rs 2.50/Rs 1000 or part thereof (Min Rs 50, max Rs 10,000) DD cancellation/Revalidation Drawn on other centers - Rs 2.50/Rs 1000 ( Min Rs 50) DD drawn on correspondent location/other bank a)Adhoc statements/ Monthly statements/ statement of account for AQB defaulters - Rs 50 per statement Statement/Duplicate Account Statement a)Adhoc statements/ Monthly statements/ statement of account for AQB defaulters - Rs 50 per statement Cheque Books Free Multi-city At Par Cheque Books Outstation cheque collection Collection of outstation cheques - Rs 2.50/1000 min Rs 50 + Rs 30 (courier charges) Outstation cheque returns - Rs 100 per instrument Return of Cheque a) Inward clearing i) Per instrument - Rs 350 ii) Cheque returned beyond third instrument - Rs 750 per instrument b) Outward clearing check return - Rs 100 per instrument Stop Payment for individual cheque or a range of cheques Rs 100 per instrument Rs 200 for a series of instruments (beyond 3 cheques) Closure of Account If closed within 6 months Rs 100 If closed after 6 months Nil  Services & Features   Services & Features Overdraft Facility No Reward Points No Internet Banking Yes Phone Banking Yes Mobile Banking Yes Rs 120 per annum SMS Alerts No  Eligibility Criteria   Eligibility Criteria * All employees of central government and civil ministries who are covered under the Central Government Civil Pension Scheme operated by Central Pension Accounting Office, Department of Expenditure and Ministry of Finance. * All employees of Armed Force (Army, Navy & Air Force) under Ministry of Defence who are covered under the Defence Pension Scheme operated by Pension Sanctioning Authority/Defence Unit. * All the employees of an establishment with a workforce strength of more than 20 (including contract employees) and who have opted to be members of the EPS 95 scheme. * Existing members of "Member of Employees" Family Pension Scheme. The identity of the Pensioner is to be established through Pension Payment Order (PPO) issued by the concerned Pension Paying Authority. Show All Saving Accounts ACCOUNTS BY BANKS ABN AMRO Allahabad Bank Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Catholic Syrian Bank Central Bank of India Centurion Bank of Punjab Citi Bank City Union Bank Ltd. Coastal Local Area Bank Ltd Corporation Bank Dena Bank Deutsche Bank Development Credit Bank Ltd. Dhanlaxmi Bank Federal Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka bank Karur Vysya Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Repco Bank Royal Bank of Scotland South Indian Bank Standard Chartered Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank The Lakshmi Vilas Bank Limited The Saraswat Coop Bank Ltd UCO bank Union Bank of India Vijaya Bank YES Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS What to look for while taking a personal loan Bank of Maharashtra reduces home loan rates Loan against Property: A shoulder to rest... 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