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SAVING ACCOUNT DETAIL Parivaar Highlights Bank Standard Chartered Bank Category Regular Minimum AQB (Average Quarterly Balance) For Parivaar Accounts - Rs 25,000 across all linkedSavings Accounts Rs 60,000 if balance in linked Savings Accountis atleast Rs 10,000 Interest Rate 4% Card Offered ATM cum Debit Card ATM Cards Replacement of Pin- Rs 50 Lost card re-issuance- Rs 100 Main Features Your family can maintain individual savings accounts with the benefit of clubbing balances in grouped accounts. Anytime, anywhere access to accounts through ATMs, Phone Banking and Internet banking. Option of Systematic Investment Plan (SIP): A well known long term wealth building tool that allows you to invest a fixed amount of money every month in specific mutual funds. This comes with a direct debit facility and avoids the need to remember dates and write cheques every month. Globally valid ATM-cum-debit card can be used at 55,000 merchant outlets in India and 12 million outlets worldwide.  Fees & charges   Fees & charges Charges for non maintenance of minimum quarterly average balance If the AQB is less than Rs 10,000 : Rs 1,000/quarter If the AQB is greater than or equal to Rs 10,000 & less than Rs 25,000 : Rs 750/quarter Cash Transaction Withdrawal Manual cash withdrawal At designated VISA partner bank branches in India Rs 100 At designated VISA partner bank branches outside India Rs 150 branch transaction charges Accounts with AQB less than Rs 10,000 -Cash Withdrawal-Rs 50 Cash Deposit branch transaction charges Cash Deposit-Rs 50 ATM transaction at own bank Transaction by using Visa Debit Cards Standard Chartered ATMs in India Free Cash withdrawal at ATMs in India Transactions at ATM of other banks -Rs 50 Other VISA ATMs within India Cash withdrawal Free for the first four transactions per account per month if AQB of Rs 10,000 is maintained. #Free for the first four transactions per account per month if AQB of Rs 10,000 is maintained in the linked Savings Account or AQB of Rs 100,000 is maintained in the linked Current Account. **Free for unlimited transactions per account per month if AQB of Rs. 15,000 is maintained. Cash withdrawal at ATMs in outside India VISA ATMs outside India Cash withdrawal - Rs 140 Debit Card Fees Regular Debit Card First Year Fees Rs 200 Annual Fee per card Rs 200 For primary cards only Smartfill Debit Card - Rs 399/year (available in non-photo, non-picture format only) Gold Debit Card First Year Fees- Rs 799 Annual Fee per card- Rs 799 (available in photo, non-photo format only) Balance inquiry at own bank Free for unlimited transactions per account per month if AQB of Rs. 15,000 is maintained. -Rs 20 Balance inquiry at Other banks VISA ATMs outside India Balance enquiry- Rs 20 Replacement of Debit Card Lost card re-issuance- Rs 200 Smartfill Debit Card - Rs 399 Gold Debit Card - Rs 799 Issue of DD drawn on base Bank/banks branch by cheque/transfer Draft drawn on any of our branches- 0.25% Min. fee Rs 50, Max. fee Rs 1,500 *Free for the first two Pay Orders or Demand Drafts per account per month if AQB of Rs. 15,000 is maintained. DD cancellation/Revalidation Rs 250 DD drawn on correspondent location/other bank Draft drawn on correspondent bank 0.30% Min. fee Rs 250 Foreign Currency Draft Rs 750 (Draft in EURO - Rs 1,000) branch transaction charges Demand Draft- Rs 50 Statement/Duplicate Account Statement Statement upto three months old - Rs 100 Statement more than three months old - Rs 150 Cheque Books Personalised Cheque Book- Free Multicity Cheque Book (Personalised) Per leaf- Free Cheque book/Reorder of Cheque book Personalised Cheque Book *Rs 50 on accounts where minimum AQB has not been maintained in the previous Quarter Multicity Cheque Book (Personalised) Per leaf *Rs 50 on accounts where minimum AQB has not been maintained in the per quarter Outstation cheque collection Cheque drawn on any of our branches - Free Cheque drawn on another bank Our branch locations - Rs 50 Speed Collection locations (enquire for list of locations)- Rs 50 Other specific locations (enquire for list of locations)- 0.30% Min. fee Rs 150 Other Bank’s charges additional Foreign Currency Cheque Min. fee Rs 100 - 0.25% Handling Charges Correspondence with other banks Per instance For local currency cheque collection- Rs 50 For foreign currency cheque collection- Rs 100 Other Bank’s charges additional Return of Cheque Cheque issued by customer Plus interest as applicabl - Rs 300 Cheque deposited by customer- Rs 100 Foreign Currency Cheque - Rs 150 Other Bank’s charges additional Stop Payment for individual cheque or a range of cheques "Single Cheque - Rs 100 Range of Cheques- Rs 200" Closure of Account Within 6 months from date of opening - Rs 500 Interest Certificate Certificate upto one year old - Free Certificate more than one year old - Rs 250 Balance Certificate Certificate upto one year old - Free Certificate more than one year old - Rs 250  Services & Features   Services & Features Overdraft Facility No Reward Points Yes Instead of the usual 1 reward point for every Rs. 100 spent*, you get 2 reward points in the promotion period 1st October to 31st December 2007. your total purchase in the period is at least Rs 5000. Earn as many as 300 bonus points in the promotion period and redeem the points for cash by simply calling Phonebanking. Rs75 in case of Priority Debit card, Rs. 125 in case of Smartfill Debit card. Bonus points in case of Smartfill redeemable against free fuel voucher. Terms & conditions apply. Internet Banking Yes Available Phone Banking Yes Available Mobile Banking Yes Available SMS Alerts Yes Available  Eligibility Criteria   Eligibility Criteria 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 Home Equity Loan: A shoulder you can bank... 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