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SAVING ACCOUNT DETAIL Kid's Advantage Account Highlights Bank HDFC Bank Category Regular Minimum AQB (Average Quarterly Balance) Rs. 5000 (Urban & Semi-urban) NIL with a Fixed deposit of Rs. 10,000 Interest Rate 4% Card Offered ATM cum Debit Card ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) Main Features Builds up savings for your child's future. Automatically increases the balance in your Kids Advantage. Account by transferring a fixed sum from your Savings Account every month. Amounts in excess of Rs. 5,000/- over and above a balance of Rs. 10,000/- gets converted into Fixed Deposits for a specified period in your child's name. Free International Debit Card for your child (above 7 years of age) with a maximum drawing capability of Rs. 2,500/- per day. Free Education Insurance cover of up to Rs. 1,00,000/- for your child with every Kids Advantage Account. Net Banking facility to monitor both, your Savings Account as well as your Kids Advantage Account. Free Funds Transfer between your Savings Account and your Kids Advantage Account. Opt for systematic Investment in Mutual Funds to plan for your childs future. Free InstaAlerts for all account holders for lifetime of the account. Free Passbook facility available at home branch for account holders (individuals). Free Email Statement facility.  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance AQB less than Rs. 5000 (Urban & Semi-urban) - Charges of Rs. 300 per qtr 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 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 - Not available 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 Debit Card - Replacement charges 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 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) (*Third Party Registration required.Customers registered for Third Party Transfers have a maximum limit of 5 lacs per cust id and hence can issue multiple DDs of 1 lacs upto 5 lacs and send it to the benefiacry address) 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 NA 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 Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive Mobile Banking Yes Free SMS Alerts No  Eligibility Criteria   Eligibility Criteria You can open a Kids Advantage Account as long as your child is a minor and you have a Savings Account with us. If you do not have a HDFC Savings Account, you will need to open an account. How to Open a Kids Advantage Account Open a Savings Account with HDFC Bank (If you already have a savings account with us, you need not open a new account). Invest a minimum sum of Rs. 10,000/- in the name of your child as a Fixed Deposit with a minimum term period of 6 months and 1 day. A new Kids Advantage Account that links to this Fixed Deposit will be opened up in your child's name. Instruct the bank to transfer a standard amount (min. Rs. 500/-) from your Savings Account every month to your child's Kids Advantage Account. Over a period, when the balance in the Kid's Advantage Account exceeds Rs.10,000/-, the amount in excess of Rs.5,000 will be transferred into a new Fixed Deposit, for a specific period in your child's name. If the balance in your child's Fixed Deposit falls below Rs. 10,000/- service charges will apply. 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