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SAVING ACCOUNT DETAIL Payroll Account Highlights Bank HDFC Bank Category Salary Account Minimum AQB (Average Quarterly Balance) No minimum balance required Interest Rate 3.5% Card Offered ATM cum Debit Card ATM Card NA ATM Card - Replacement charges NA Debit Card - Transaction Charge - HDFC Bank ATMs 6 free per month & Rs 30 per additional transaction Main Features Zero Balance Account. Nil Interest payout on account balance Personal Accident Insurance cover of Rs. 2,00,000/- Free Payroll Debit Card - (max cash withdrawal at ATMs- Rs 15,000/- and Rs 25,000 at shopping avenues) Branch transactions at Rs. 60/- per transaction. Free Net Banking, Phone Banking, Mobile Banking. BillPay facility at Rs 25/- (plus taxes) per qtr. per Customer ID. InstaAlert facility at Rs 25/- (plus taxes) per qtr. per account. Up to 6 free ATM cash withdrawal transactions; thereafter Rs. 30/- per transaction. Six-monthly account statements. Free Monthly email statements (optional). Cheque book issuance @ charge of Rs.5 per leaf (only on request and this is not a standard offering ) Free Passbook facility available at home branch for account holders (individuals)  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance Nil Cash Transaction Interbranch transactions through teller counters - Cash transactions Upto Rs. 50,000 - Free, Above Rs. 50,000 - Rs. 2.90 per 1000 Cash withdrawal at ATMs in India ATM Card - Transaction charge for Partner banks - only 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) 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) 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 Free 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 Rs. 60 Balance inquiry at Other banks ATM Card - Transaction charge for Partner banks - only SBI & Andhra Bank Rs. 10 per balance enquiry 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 Free 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 DD request through Branch Upto Rs. 10,000 Rs. 50. Rs. 40 ( Senior Cistizens / Individuals in Rural Areas) Above Rs. 10,000 - Upto Rs. 50,000 Rs. 75 (Rs. 50 through Phonebanking) Rs. 60 for 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. 1,00,000 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. Six -monthly statements sent by post Issue of duplicate / adhoc statements Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 30 per statement through Netbanking,Rs. 50 per statement through Phonebanking(IVR),ATM & Mobilebanking. Hold Statement Rs. 400 per year Cheque Books Rs. 5 per 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 (Rs. 40 through Phonebanking), Range of Cheques - Rs. 100 (Rs. 80 through Phonebanking) Closure of Account Before 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 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 A Good credit score imperative for your... Getting the best rates on your personal... Avoid withdrawing cash from your credit card This is how a bank lends money Raju and The Skyladder Page 20