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SAVING ACCOUNT DETAIL SavingsMax Account Highlights Bank HDFC Bank Category Privileged Account Minimum AQB (Average Quarterly Balance) Option 1 Rs. 25,000(Urban/Semi-urban) Option 2 NIL with a Fixed deposit of Rs. 100,000 A minimum deposit of Rs. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained. Interest Rate 4% Card Offered ATM cum Debit Card Main Features Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & on any other Bank's ATM using your HDFC Bank Debit Card. Free Gold Debit Card for primary account holder for lifetime of the account. Gold Debit Card for other account holders at Rs 250/- p.a. Free Woman's Advantage/International Debit Card for all account holders for lifetime of the account. Free Payable-at-Par (PAP) chequebook, without any usage charges upto a limit of 1 lac per month. Free Demand Drafts on HDFC Bank locations, upto a limit of 50,000/- per day at home branch. Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable. Optional sweep out facility to transfer extra savings to a Fixed Deposit, at the threshold of Rs.50,000/-. In the event of the balance in SavingsMax account exceeding Rs 50,000/-, the amount in excess of Rs 50,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs 25000/- for a 1year 1day period. Free BillPay & InstaAlerts for all account holders for lifetime of the account. Free Monthly Statement of Account. 50% off on the Locker rental for the 1st year only. Folio maintenance charges on Demat account free for first year. Free National Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking. 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 If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied. If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable: AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000 Rs. 1000/- per quarter AQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarter However, if the SavingsMax a/c AQB is <25,000/- but FD balance is >=100,000/- no minimum balance charges will apply. Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr. Cash Transaction Self/Third party cash transactions at non-home branches through teller counters Upto Rs. 50,000 - per day Free. Above Rs. 50,000 - Rs. 2.90 per 1000 on the full amount Third party cash transactions at home branch through teller counters Free of charge Cash Transaction Withdrawal ATM Card Free ATM Card - Replacement charges Rs. 100 (plus taxes) ATM Card - Transaction charge for Partner banks - SBI & Andhra Bank Free ATM Card - Transaction charge for Non-Partner banks NA ATM transaction at own bank Debit Card - Transaction Charge - HDFC Bank ATMs Free 5 free in the qtr 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 for all account holders for life time Debit Card - Annual Fee - Gold Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holders. Debit Card - Annual Fee - Women's Card Free for all account holders for life time Balance inquiry at own bank Free Balance inquiry at Other banks Debit Card - Transaction Charge - Non HDFC Bank International ATMs Rs. 15 per balance enquiry Debit card renewal charges Debit Card - Renewal Fee - Regular NA Debit Card - Renewal Fee - Gold Free for primary account holder for life time. Rs.250 per year (plus taxes) for other account holders Debit Card - Renewal Fee - Women's Card NA 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 Free Add-on Debit Card - Gold Card Rs. 250 per year (plus taxes) Add-on Debit Card - Women's Card Free Issue of DD drawn on base Bank/banks branch by cheque/transfer Free DDs/MCs per account per month with maximum of Rs. 50,000 per day 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 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. 100,000 pm - No charges, Above Rs. 100,000 - Rs. 2.90 per 1000 on full amount Pass Book Free Duplicate passbook issuance* Rs 100/- Chargeable Cash Transaction at Base Branch 5 free in the qtr & Rs. 30 per additional transaction on non-maintenance of Min balance (cash deposit/withdrawal) Cheque book/Reorder of Cheque book Rs. 5 per leaf on non maintenance of Min balance 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 Yes  Eligibility Criteria   Eligibility Criteria The following are eligible to open a SavingsMax Account: Resident Individuals (sole or joint account). Minor below 18 yrs. (account only with guardian). Hindu Undivided Families. 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. 25,000/- is required to open an account and thereafter an Average Quarterly Balance of the same amount has to be maintained. If the AQB in the SavingsMax a/c >= 25,000/- and/or the balance in the FD is >= 100,000/-, no AQB non-maintenance charges will be levied. If the AQB in the SavingsMax a/c falls below 25,000/- and balance in the FD is also below 100,000 the following charges would be applicable: AQB in the SavingsMax a/c between Rs10,000/- and Rs 25,000 Rs. 1000/- per quarter AQB in the SavingsMax a/c is less than Rs10,000/- Rs. 1,500/- per quarter However, if the SavingsMax a/c AQB is <25,000/- but FD balance is >=100,000/- no minimum balance charges will apply. Transaction charges applicable in case the specified AQB is not been maintained in the previous qtr. Min Age 18 Yrs. 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 A chronicle of excesses by loan recovery... Best airline rewards credit cards in... 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