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SAVING ACCOUNT DETAIL Family Savings Account Highlights Bank HDFC Bank Category Regular Minimum AQB (Average Quarterly Balance) Rs. 25,000 (Urban & Semi-urban) Interest Rate 4% Card Offered ATM cum Debit Card ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) Main Features All account holders can operate their account freely without worrying about their minimum balance. Family members with NRI status can also be part of the group. Get 5 Free Cash withdrawal transactions on SBI ATMs per group per month. Upto 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up to Rs. 25,000/- per instrument per day). Free International Debit Card for all account holders till the account is part of the Family group. (NRO Accounts will be issued only ATM cards). Free BillPay & InstaAlerts facility for all account holders till the account is part of the Family Group. Free Standing Instructions for investment into Mutual Funds. Free OneView to access all your accounts. Free MobileBanking, NetBanking & PhoneBanking. Enjoy a Savings account to Savings acount sweep-in to a nominated account (sweep-in to NRE accounts not permitted from resident / NRO accounts). Payable-at-par facility at a nominal cost for all accounts in the family group. (Available only on request at the branch.) Cash delivery @ Rs. 50/- per delivery. (Available in select cities only). Free Passbook facility available at home branch for account holders (individuals). Free Email statements .  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance AQB between Rs. 25,000 & Rs. 10,000 - Charges of Rs. 1000 per group per qtr. Charged to the account with the highest balance. AQB is less than Rs. 10,000 - Charges of Rs. 1500 per group per qtr. Charged to the account with the highest balance. Cash Transaction Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000 ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free Cash withdrawal at ATMs in India ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 55 per cash withdrawal (plus taxes) 20 Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 20 per cash withdrawal (plus taxes) Cash withdrawal at ATMs in outside India Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 110 per cash withdrawal (plus taxes) Debit Card Fees Debit Card - Annual Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Annual Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Annual Fee - Women's Card Rs. 150 per year (plus taxes) Balance inquiry at own bank Balance Enquiry - at Branch Free Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Rs. 10 per balance enquiry ATM Card - Transaction charge for Non-Partner banks NA Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders) Balance enquiry Debit Card - Transaction Charge - SBI/Andhra Bank ATMs Rs. 10 per balance enquiry Debit card renewal charges Debit Card - Renewal Fee - Regular Rs. 100 per year (plus taxes) Debit Card - Renewal Fee - Gold Rs. 500 per year (plus taxes) Debit Card - Renewal Fee - Women's Card Rs. 150 per year (plus taxes) Replacement of Debit Card Replacement of a damaged card - No charges & Replacement of a lost card - Rs. 100 (plus taxes) (for all card types) Add-on debit card Add-on Debit Card - Regular Rs. 100 per year (plus taxes) - One add-on card free for the first year Add-on Debit Card - Gold Card Rs. 500 per year (plus taxes) Add-on Debit Card - Women's Card Rs. 150 per year (plus taxes) Issue of DD drawn on base Bank/banks branch by cheque/transfer 2 free DDs/Mcs per account per month with maximum of Rs. 25,000 per DD per day DD request through Branch Upto Rs. 10000 Rs.50 Rs. 40 (Senior Citizens / Individuals in Rural areas) Above Rs.10,000 & upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) Rs. 60 (Senior Citizens / Individuals in Rural areas) **Only DD amount upto Rs 100,000 for Preferred & Rs 50,000 for other customers accepted at Phonebanking Above Rs. 50,000 & upto Rs. 1 Lakh Rs. 2.50 per 1000 or part thereof (Min Rs. 150) Above Rs. 1 Lakh Rs. 2 per 1000 or part thereof (Min Rs. 250 & Max Rs. 5000) DD request through Netbanking Upto Rs. 1 Lakh Rs .30+(Corr. Bank charges if applicable) Third party DD* upto Rs. 1 Lakhs Rs .30+(Corr. Bank charges if applicable) DD cancellation/Revalidation Rs. 50 Rs. 40 (Senior Citizens / Individuals in Rural areas) DD drawn on correspondent location/other bank Rs. 50 plus charges as outlined below: Upto Rs. 500 Rs. 10 Above Rs. 500 to Rs. 1000 Rs. 15 Above Rs. 1000 to Rs. 5000 Rs. 25 Above Rs. 5000 to Rs. 10,000 Rs. 30 Above Rs. 10,000 to Rs. 1 Lakh Rs. 3 per 1000 or part thereof Above Rs. 1 Lakh Rs. 6 per 1000 or part thereof (Min Rs. 300) Statement/Duplicate Account Statement Account Statements - Free Monthly statements to be Collected from branch. Quarterly statements sent by post Issue of duplicate / adhoc statements Rs.100 at Branch, Rs.50 per statement through Phonebanking (Non-IVR) & ATM, Rs.30 per statement through Netbanking, Phonebanking (IVR), & Mobilebanking. Hold Statement Rs. 400 per year Cheque Books Free PAP Cheque book Upto Rs. 50,000 pm - No charges, Above Rs. 50,000 - Rs. 2.90 per 1000 on full amount Pass Book Free Duplicate passbook issuance Rs 100/- Outstation cheque collection Collection of outstation cheques - our bank locations Cheques drawn on metro/non-metro cities (Branch Locations) Cheque value Rs. 0 to Rs. 500 No Charges Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50) * Credit on receipt of clear funds Collection of outstation cheques - other locations Cheques (MICR) drawn on non-branch locations with correspondent bank tie-up - 0.40% (Min Rs. 50) Cheques drawn on non-branch locations with no correspondent bank tie-up/non-MICR cheques - 0.65% + Rs. 25 (Min Rs. 50) *Credit on receipt of clear funds Return of Cheque Cheque return charges drawn on us - Local Due to insufficient funds - Rs. 350 Due to Technical reasons - No charge Cheque return charges drawn on us deposited in other locations Rs. 75 Stop Payment for individual cheque or a range of cheques Particular Cheque - Rs. 50 (Free through Phonebanking), Range of Cheques - Rs. 100 (Free through Phonebanking) Closure of Account Upto 14 days - No charge 15 days upto 6 months - Rs 100/- Above 6 months - No charge Interest Certificate Rs. 50 Balance Certificate Current year - Free, Previous year - Rs. 250  Services & Features   Services & Features Overdraft Facility No Reward Points No Internet Banking Yes Free Phone Banking Yes Phonebanking - IVR Free Phonebanking - Non IVR Free Mobile Banking Yes Free SMS Alerts No  Special Offers   Special Offers Avail Preferential pricing on: Lockers : 25% Discount on the annual rent. Gold Debit Card : Rs. 250/- for life for all account holders till they are a part of the Family Savings Group. Demat Account : 1st year Folio maintenance charges waived for all new demat accounts opened. HSL Trading a/c : Special Registration price of Rs. 799/- for all new HSL accounts opened. Forex : Charges applicable on purchase of traveller's cheques waived for Family group customers. Mudra Gold Bars : Special relationship discount. Titanium Credit Card : Special one-time fee of Rs. 999/- for the primary applicant of all a/cs grouped. Add-on cards free. Gold Credit Card : Special one-time fee of Rs. 750/- for the primary applicant of all a/cs grouped. Get an add-on card Free. Silver/Value Plus Credit Card : Free for life-time.  Eligibility Criteria   Eligibility Criteria All members should hold individual HDFC Bank accounts. A member of the family with an NRI status can also be part of this group account. No more than 4 members can form a Family Savings Group. 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 Financial ratios as an aid to financial... 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