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SAVING ACCOUNT DETAIL Suvidha - Savings Account Highlights Bank Citi Bank Category Regular Minimum AQB (Average Quarterly Balance) Rs 25000 Interest Rate 4% Card Offered ATM cum Debit Card ATM Card Re-Issuance Rs. 100 Main Features Get Free Financial Investment Counseling to help your money grow. Access your account anytime through Online and Phone Banking Pay utility bills, Credit Card dues, order Demand Drafts and do much more online. Power Packed Savings Account. 5 free transactions per month on other bank ATMs in India. Daily transaction limit of Rs.75,000 on your ATM/Debit card. Free demand drafts / Pay Orders / Payable at par cheque books. Relationship pricing of Citibank Home Loan and Personal Loan. CitiAlert: Free alerts on cheque status, Account balance, Debit and Credit Cards, Investment valuation through SMS or e-mails Free value added Debit Card: Earn reward points every time you spend on your Debit Card & redeem them for cash or Gifts. Free Accidental Insurance cover of Rs.1 lakh with the Card Benefits from Citibank Wealth Management and Expertise. Use our team of Certified Investment Counselors for free Investment Counseling on Mutual Funds, Fixed Deposits and Insurance Products. Manage your mutual fund investments from your desktop by opening an investment account linked with your Suvidha Account. Get 24x7 access to buy, sell, track Mutual Funds online Banking at your fingertips Citibank's Online Banking services for you to carry out almost all your banking transactions online while at home or in office:Pay your landline telephone, mobile, electricity & other utility bills online across 85 billers. Transfer funds to any bank account in India. Pay your Credit Card dues. Request Cheque book and order Demand Drafts online.  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance Monthly Fee (only if average monthly balance goes below Rs. 25000) - Rs.250 Overdraft interest 24%+Interest Tax Overdraft facility of up to Rs.1,00,000 ATM transaction at own bank Free Cash withdrawal at ATMs in India Free Transactions at ATM of own bank - Free Cirrus (First 2 withdrawls in a month at Rs 50) -Rs 70 Euronet - Rs 35 Monthly 5 transactions on other bank ATM (Cirrus and Cashnet), anywhere in India Free Cash withdrawal at ATMs in outside India US $2.50/transaction International ATM Usage - US $2.50/transaction Debit Card Fees Joining Fee for Value Added ATM/Debit Card NIL IndianOil ATM/Debit Card (Annual Fee) NIL IndianOil Premium ATM/Debit Card (Annual Fee) Rs. 600 Shoppers' Stop ATM/Debit Card (Annual Fee) NIL Citibank Grocery ATM/Debit Card (Annual Fee) NIL Citibank "Family" ATM/Debit Card (Annual Fee) NIL MTV ATM/Debit Card NIL Debit Card Cash withdrawal limit Rs 75000 Balance inquiry at own bank Free ATM cash withdrawl limit Daily transaction limit of Rs. 75,000 on your ATM card - Free Issue of DD drawn on base Bank/banks branch by cheque/transfer Free Citibank Online Rs. 1 Lakh or more- Free Rs. 25000 or more - Free Less than Rs. 25000 -Rs. 1.5/ Rs. 1000 CitiPhone Rs. 1 Lakh or more -Free Rs. 25000 or more- Free upto Rs. 50,000/pm Less than Rs. 25000 - Rs. 2/ Rs. 1000 DD cancellation/Revalidation DD Cancellation Charge (for DD issued on Non Citi Location) - Rs. 100 DD drawn on correspondent location/other bank Demand Drafts at Non Citi Location- Citibank Online Rs. 1 Lakh or more - Free upto Rs. 25 Lakhs/pm Rs. 1.50 per Rs. 1000 Rs. 25000 or more -Free upto Rs. 50,000/pm Less than Rs. 25000 -Rs. 2/ Rs. 1000 CitiPhone Rs. 1 Lakh or more -Free upto Rs. 25 Lakhs/pm Rs. 2 per Rs. 1000 Rs. 25000 or more- Free upto Rs. 50,000/pm Less than Rs. 25000-Rs. 2.50/ Rs. 1000 Statement/Duplicate Account Statement Free Citibank Online Rs. 1 Lakh or more- Free Rs. 25000 or more - Free Less than Rs. 25000- Rs. 25 CitiPhone Rs. 1 Lakh or more - Rs. 25 Rs. 25000 or more -Rs. 25 Less than Rs. 25000 - Rs. 50 Cheque Books Free Pass Book Free Cheque book/Reorder of Cheque book Citibank Online Rs. 1 Lakh or more - Rs. 1/leaf Rs. 25000 or more - Rs. 1/leaf Less than Rs. 25000 - Rs. 2/leaf CitiPhone Rs. 1 Lakh or more - Rs. 1/leaf Rs. 25000 or more - Rs. 1/leaf Less than Rs. 25000 - Rs. 2/leaf Outstation cheque collection .3% or cheque value or Min Rs. 100 Return of Cheque Cheque Return Charges - Outward - Rs. 100 Cheque Return Charges - Inward - Rs. 275 Stop Payment for individual cheque or a range of cheques Free Citibank Online Rs. 1 Lakh or more - Free Rs. 25000 or more - Free Less than Rs. 25000 - Rs. 50 CitiPhone Rs. 1 Lakh or more - Rs. 25 Rs. 25000 or more - Rs. 50 Less than Rs. 25000 - Rs.100 Closure of Account Account closure before 12 months (does not include transfer between branches ) - Individuals- Rs.220/- Companies Rs 500/- Interest Certificate Rs 50  Services & Features   Services & Features Overdraft Facility Yes Reward Points Yes 1point of every Rs 150 spent Internet Banking Yes Free Phone Banking Yes Free Mobile Banking Yes Available SMS Alerts No  Eligibility Criteria   Eligibility Criteria Min Age 18 Yrs.  Terms & Conditions   Terms & Conditions 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 Avoid withdrawing cash from your credit card How far can new banking licenses be banked... 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