(With effect from 01.08.2011) |
BENEFITS |
FEES |
Average Quarterly Balance
(AQB) |
 25,000
|
|
Cash Transactions
|
Home Branch Cash Deposit (HBCD) |
Free limit
|
36 times the AQB in a quarter or 5 lakh per month whichever is higher (Free limit combined for HBCD & Non HBCD)
|
Charges above free limit |
1/1,000 |
Cash deposit in denominations
lesser than 50
|
200 notes per day free, over that a charge of 10 per 100 notes or part thereof
|
Home Branch Cash Withdrawal |
Free limit
|
Free Unlimited
|
Non-Home Branch Cash Deposit (Non-HBCD) |
Free limit
(Inter-city as well as Intra-city)
|
36 times the AQB or lakh per month whichever is higher (Free limit combined for HBCD & Non HBCD)
|
Maximum daily limit*
|
1,00,000 per day
|
Non-Home Branch Cash Withdrawal |
Free limit
(Inter-city as well as Intra-city)
|
Free Unlimited
|
Maximum daily limit*
|
3,00,000 per day
|
|
Clearing Transactions
|
Fund transfer |
Free limit
|
Free Unlimited
|
Charges above free limit |
Nil
|
Any Branch Banking (ABB) Clearing - Outward |
Free limit
|
Free Unlimited
|
Charges above free limit
|
Nil
|
Payable at Par - Inward |
Cheque utilization - Free Limit
|
Free up to 60 lakhs per month
|
Charges above free limit
|
1 /1,000 (Min 50 and Max 3,000)
|
Outstation Cheque collection |
DCB Bank & HDFC Bank locations
|
Up to 10,000 - 50 per instrument; 10,001 to 1 lakh - 100 per instrument; Above 1 lakh - 150 per instrument; (All Inclusive of other bank charges)
|
Non DCB Bank & HDFC Bank locations
|
Up to 10,000 - 50 per instrument; 10,001 to 1 lakh - 100 per instrument; Above 1 lakh - 150 per instrument; (All Inclusive of other bank charges)
|
Remittances
|
Pay Orders (Local DD) |
Non cash transactions - Free limit
|
Combined free DD/PO limits up to 50 lakhs per month
|
Charges above free limit |
2 /1,000 (Min 50 and Max 3,000)
|
Cash transactions |
300 per instrument
|
Demand Drafts (Payable at DCB Bank & HDFC Bank Branch Locations) |
Non cash transactions - Free limit
|
Combined free DD/PO limits up to 50 lakhs per month
|
Charges above free limit
|
2 /1,000 (Min 50 and Max 3,000)
|
Cash transactions
|
300 per instrument
|
Demand Drafts (Payable at Non DCB Bank & HDFC Bank Branch Locations) |
Non cash transactions - Free limit
|
Nil
|
Charges above free limit
|
Correspondent Bank Charges + 0.10% (Min. 50)
|
Cash transactions
|
Correspondent Bank Charges + 300
|
Electronic Fund Transfers |
RTGS (outward)
|
Free
|
NEFT (outward)
|
Free |
Visa money transfer
|
25 per transaction |
Personalised Cheque Book |
Payable at par cheque book
|
Free
|
Issue of loose cheque leaves |
5 per leaf |
DCB Debit Card |
ATM limit (Cash Withdrawal)
|
50,000 per day
|
POS spending limit (Merchant Transactions) |
75,000 per day |
Fee |
Issuance fee
|
250
|
Annual fee |
Nil |
Replacement of card |
Nil |
Damaged card |
Free |
Usage |
Usage at DCB Bank ATM
|
Free
|
Usage at Visa ATMs |
Cash withdrawal and Balance enquiry (Domestic)
|
Free
|
Balance enquiry (International) |
25 per transaction |
Cash withdrawal (International) |
125 per transaction |
Value Added Services |
DCB Mobile Banking
|
Free
|
DCB Business Internet Banking |
Free |
DCB Phone Banking |
Free |
Utility Bill Payment |
Free |
|
Other Services
|
Cheque Deposited & Returned Unpaid |
Local
|
60 per instrument |
Outstation cheque |
100 per instrument |
Charges for cheques appearing in validation report for funds reasons |
25 per instrument (except for Fixed Deposit proceeds and clearing regularisation) |
Cheque Issued & Returned |
Cheque issued & returned (financial reasons)
|
350 per instrument
|
ECS returns
|
350 per instrument |
Stop Payments |
Stop payments
|
100 per cheque, Maximum 500 per series
|
Statement of Account |
Monthly
|
Free |
Daily |
50 per page |
Weekly |
1,500 p.a. |
Fortnightly |
750 p.a. |
E-mail Monthly |
Free |
Duplicate statement |
50 per page |
Demand Drafts / Pay Order cancellation / Revalidation & Duplicate Issuance |
Cancellation / Revalidation charges |
50 per Instrument |
Issue of duplicate instrument |
50 per Instrument |
Balance Confirmation Certificate & Interest Certificate |
Current year
|
Free |
Previous year up to last 2 years |
100 per year |
Above 2 years |
500 per year |
Duplicate |
50 per certificate |
Standing Instructions (excluding transfer to / from deposit / loan a/c &
transfer to Savings Accounts) |
Setup
|
Free |
Execution |
Courier / other out of pocket expenses** |
Verifications |
Signature verification
|
100 per document |
Photo attestation (only if theAccount Opening Form with photo is available at the branch) |
100 per attestation |
|
Penalty Charges for Non - Maintenance of AQB
|
Non-maintenance charges
|
750 per quarter |
Penal Tariff^ |
Penal charges for cheque book
|
3 per leaf |
Penal charges for cash deposit transactions |
Free first 3 transactions 200 per transaction thereafter |
Penal charges for cash withdrawal transactions |
Free first 3 transactions 200 per transaction thereafter |
Penal charges for ABB Clearing / PAP cheque utilization/DD/PO |
Free first 5 transactions 20 per transaction thereafter |
Penal charges for all ATM transactions |
Free first 5 transactions 20 per transaction thereafter |
|
|
Cash Pick-up Facility
|
Cash & Cheque pick-up at select centres |
Available |
|
Account Maintenance
|
Scheme transfer Fees#
|
Charge of 200
|
Account closure
|
500 if closed within 6 months else free |
|
Notes
|
Mode of Calculation of average quarterly balance: Sum of end of day balances for a quarter/No. of days in the quarter .
**Out of Pocket expenses - interest, postage / courier, cable, telex, correspondent bank charges and other expenses, if any will be added .
^Cheque book taken or transaction done in the quarter in which AQB is not maintained .
#Scheme changes to Lower AQB scheme code can be made only during first fortnight of the quarter through a written request. Scheme Code Charges are applicable only for opting for a lower scheme code from the existing one .
*Cash transactions above maximum daily limits on Non-Home Branch locations would require prior intimation and approval of the branch at least one working day in advance.
Inter-city: Outside the city, Intra-city: Within the city
