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SAVING ACCOUNT DETAIL Regular Savings Account Highlights Bank HDFC Bank Category Regular Minimum AQB (Average Quarterly Balance) A minimum deposit of Rs. 5,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained. Rs. 5000 (Urban), Rs. 2500 (Semi-urban) NIL with a Fixed deposit of Rs. 50,000 Interest Rate 3.5% Card Offered ATM cum Debit Card ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) Main Features Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay utility bills or stop cheque payment, through SMS. Never overspend- Shop using your International Debit Card that reflects the actual balance in your savings account. Personalised cheques with your name printed on each cheque leaf for enhanced security. Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet. Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account. 3 Free transactions on SBI/Andhra Bank ATMs per month. Free Payable-at-Par chequebook, without any usage charges upto a limit of Rs.50,000/- per month. 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 It is mandatory to maintain a minimum Average Quarterly Balance (AQB) of Rs. 5,000/-. If the balance falls below Rs. 5,000/- a service charge of Rs. 750/- will be levied per quarter. Cash Transaction Interbranch transactions through teller counters - Cash transactions. Upto Rs. 50,000/- free, Above Rs. 50,000/- Rs 2.90 per 1,000/- Third party cash transactions at non-home branches through teller counters Upto a limit of Rs.10,000 per day - Rs.100 (plus taxes). Above Rs.10,000 - Not allowed ATM transaction at own bank Free Debit Card - Transaction Charge -Free 5 free in the qtr & Rs. 30 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal) 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 interchange (partner bank) Transaction charge for Partner banks - SBI & Andhra Bank Rs. 20 per cash withdrawal (plus taxes) ATM interchange (non-partner bank)- Not available 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 Debit Card - Annual Fee - Gold Rs. 500 per year Debit Card - Annual Fee - Women's Card Rs. 150 per year Balance inquiry at own bank Balance Enquiry - at Branch Free Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank Domestic ATMs-Rs. 15 per balance enquiry (plus taxes). 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 ATM Card - Transaction charge for Non-Partner banks-NA 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 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. 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 Rs. 5 per leaf on non maintenance of Min balance 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 Rs. 400 on non-maintenance of Min balance 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 The following are eligible to open a Regular Savings Account: Resident Individuals (sole or joint account). Minor below 18 yrs. (account only with guardian). Hindu Undivided Families. Trusts. Associations. Clubs or Societies. Foreign Nationals residing in India*. If you are a Foreign National residing in India, you may open a Savings Account by temporarily attaching an undertaking (QA 22 form), stating sources of credit and a copy of your Residence Permit. Account Operation A minimum deposit of Rs. 5,000/- is required to open an account and thereafter an Average Quarterly Amount of the same amount has to be maintained. Please Note: It is mandatory to maintain a minimum Average Quarterly Balance (AQB) of Rs. 5,000/-. If the balance falls below Rs. 5,000/- a service charge of Rs. 750/- will be levied per quarter. If you open a Fixed Deposit Account of Rs. 50,000/-, then you no longer have to maintain a minimum balance of Rs. 5,000 on your Savings Account. In effect your account becomes a Zero Balance Account. Min Age 18 Yrs. 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 Your dream car - with good Car Loans from... Central Bank of India ordered to return... Factors affecting eligibility for home loans Home Equity Loan: A shoulder you can bank... Personal loans in India: Features and...