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SAVING ACCOUNT DETAIL No Frill Account Highlights Bank HDFC Bank Category No Frills Minimum AQB (Average Quarterly Balance) No minimum balance required Interest Rate 3.5% Card Offered ATM cum Debit Card ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) Main Features Access a wide network of branches and over a thousand ATMs across the country to meet all your banking needs. Bank conveniently with facilities like Free NetBanking and MobileBanking. Use the Free Electronic Funds Transfer (EFT) facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI. Enjoy Free IVR based PhoneBanking. (Agent assisted calls will be charged) Get Free Quarterly Account Statements. Access your account through a Free ATM Card. Enjoy free Cash Deposits at Branch/ATM. 9 Free Cash withdrawals per Quarter at Branch and HDFC Bank ATMs. This includes 1 Cash withdrawal per month at the Branch and 2 Cash withdrawals per month at HDFC Bank ATMs. Additional ATM Cash withdrawals in the month will be charged Rs. 15/- per transaction. Other transactions like cheque deposit, balance enquiry and mini-statement at the ATMs will be free of charge and without any restrictions. Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions. International Debit Card available only on request at the branch @ Rs. 100/- p.a. for each applicant. First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet. Enjoy InstaAlerts via e-mails or SMS at nominal charges. Avail facilities like Safe Deposit Locker, Sweep-In and Super Saver on your account. Free Email Statement facility.  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance NA Cash Transaction Branch / ATM / Debit Card transactions Free Cash Deposits at Branch / ATM 9 Free Cash withdrawals per Quarter at Branch and HDFC Bank ATMs Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000 * This includes 1 Cash withdrawal per month at the Branch and 2 Cash withdrawals per month at HDFC Bank ATMs * Additional ATM Cash withdrawals in the month will be charged Rs. 15/- per transaction. Other transactions like cheque deposit, balance enquiry and mini-statement at the ATMs will be free of charge and without any restrictions * Additional Branch Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits at branches will be free of charge and without any restrictions ATM transaction at own bank Free Cash withdrawal at ATMs in India Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 55 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - BOI/Canara Bank ATMs (only for Visa Card Holders)-Rs. 100 per cash withdrawal (plus taxes) Debit Card - Transaction Charge - SBI/Andhra Bank ATMs-Rs. 20 per cash withdrawal (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank-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 Other banks Debit Card - Transaction Charge - Non HDFC Bank Domestic 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 ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank 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) 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. 10,000 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 Demand Drafts- Issued - On Non HDFC Bank Locations 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 First Chequebook consisting of 25 leaves free and subsequent cheque books to be charged at the rate of Rs 5/- per cheque leaf. 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 Rs. 50 per call (Agent assisted calls). Mobile Banking Yes Free SMS Alerts Yes  Eligibility Criteria   Eligibility Criteria The following are eligible to open a 'No Frills' Savings Account: Resident Individuals (sole or joint account). Hindu Undivided Families. Account Operation No Initial Payment is required to open a 'No Frills' account and No Average Quarterly Balance needs to be maintained. Eligibility Criteria Customer can open a No Frills Savings account if he: Does not have a bank account & has an annual income of less than or equal to Rs. 50,000/- or Does not have a bank account & is a beneficiary under a Government Welfare Scheme Show All Saving Accounts ACCOUNTS BY BANKS ABN AMRO AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Jammu & Kashmir Bank Kotak PNB South Indian Bank Standard Chartered Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Travancore Syndicate Bank Union Bank of India Vijaya 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 Loans to assist people with bad credit scores A chronicle of excesses by loan recovery... 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