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SAVING ACCOUNT DETAIL Multi Gains Savings Account Highlights Bank Union Bank of India Category Privileged Account Minimum AQB (Average Quarterly Balance) Rs.25000/- Interest Rate 4% Card Offered ATM cum Debit Card Main Features Multi Gains Savings Account (MGSA) Scheme requires maintaining a minimum balance of Rs.25000/- to be maintained in a savings account. You can either upgrade your existing savings account to MGSA by filling in a simple declaration form OR open a new MGSA account. A Credit Card will be issued free for the first year with a limit of Rs.25000/- to the individual OR to either of the joint account holder. An International Debit Card will be issued free to the individual account holder OR either of the joint account holder wherever the ATM facility is available. Interest will be paid for unforseen delays in collection of instruments of MGSA account holders. If you desire, your MGSA account can be transferred to any of our branches in India free of cost. You are eligible for free transfer of funds up to Rs. 50,00,000/- per month.  Fees & charges   Fees & charges Debit Card Fees International Debit Card will be issued free to the individual account holder OR either of the joint account holder Issue of DD drawn on base Bank/banks branch by cheque/transfer A maximum of two free remittances to anywhere in India aggregating to Rs.25000/- will be allowed in a month Cheque Books The account holder will be provided with 10 cheque books free of cost during a financial year, subject to satisfactory utilization of the cheque leaves. 1 free Multi City Cheque Book with facility of at-par transfer of funds. Outstation cheque collection Local / outstation cheques of up to Rs.15000/- will be collected free of charge.  Services & Features   Services & Features Overdraft Facility No Reward Points No Internet Banking Yes Phone Banking Yes Mobile Banking No SMS Alerts No 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 Should you preclose your current FD for... Six tips to choose your home loan lender Need of nomination in bank accounts NRI Banking in India Carnival of Indian Personal Finance Blogs # 8