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Schedule of Charges For Freedom Account

The Freedom Account offers a promotional average monthly balance (AMB) of ₹10,000 until March 2025, with fees for non-maintenance based on the balance percentage. Cash transactions are free at home branches, while various charges apply for cash withdrawals, cheque collections, and electronic transactions beyond specified limits. Additional services such as debit card issuance, account closure, and statement requests have associated fees, with some services provided for free or at discounted rates.

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Hari Padmanaban
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94 views3 pages

Schedule of Charges For Freedom Account

The Freedom Account offers a promotional average monthly balance (AMB) of ₹10,000 until March 2025, with fees for non-maintenance based on the balance percentage. Cash transactions are free at home branches, while various charges apply for cash withdrawals, cheque collections, and electronic transactions beyond specified limits. Additional services such as debit card issuance, account closure, and statement requests have associated fees, with some services provided for free or at discounted rates.

Uploaded by

Hari Padmanaban
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Freedom Account

Parameters Particulars

Average monthly Balance ( AMB)

25,000/-
Average monthly Balance ( AMB)
Promotional offer till 31st March 2025 at 10,000/-

Fees for Non Maintenance of balance per


- AMB >75% - <100% ₹ 150 per month
month
- AMB <75%: ₹ 300 per month

Cash transactions

Free at Home branch

Cash Withdrawal
Non Home - Free up to 50,000 per month .
Charges at ₹2.5 per ₹1000 beyond free limits. Min
₹100
Free up to ₹ 5 lakhs per month
Combined Free Cash Deposit limit at Home
& Non Home location (including ATM and
Branch) Charges beyond free limits @ ₹ 2.50/- per ₹ 1,000/-,
minimum ₹ 100/- per transaction beyond free limits

Non Cash Transactions

Cheque collection Local/ outstation


Free
location at Unity location

Cheque collection at Non Unity location ₹100 per cheque

Cheque returns -outward clearing ₹200 per return

Cheque returns - inward clearing ₹300 per return

One Cheque book free per quarter


Cheque Book
Charges beyond free limit at ₹100 per booklet

Stop cheque through Online/in


Free
Branch/Phone Banking

Intra Bank Fund transfer ( Unity to Unity) Free

Demand Draft / Pay Order at Unity location ₹2.5 per 1000 ,min₹ 50 per instrument

INTERNAL
Demand Draft / Pay Order at Non Unity
₹ 100/- per instrument
location

DD cancellation / Duplicate /Revalidation ₹ 100

Electronic Transactions (NEFT, RTGS, IMPS)

NEFT/RTGS/IMPS charges inward Free


Through Online Channel – Nil

Through Branch Channel –


NEFT outwards charges
Free limit upto Rs 10,00,000/- per month

Beyond Free limit Rs 25 per transaction

Through Online Channel – Nil

Through Branch Channel -


RTGS outward charges
Free limit upto Rs 10,00,000/- per month

Beyond Free limit Rs 25 per transaction

Through online channel - NIL

IMPS outward charges


Free limit upto Rs 2,50,000/- per month

Beyond Free limit Rs 25 per transaction

OTHER COMMON CHARGES

Debit card Issuance fees Free

Replacement card charges ₹250 per card

Regeneration of Debit card Pin Nil Charges

INTERNAL
T+1 month Free, beyond which ₹500 if closed before
Account closure
6 months

E- statement monthly : Free

Physical statement on customer demand through the


branch : Free once a month , post which ₹25 per
Statement statement

Physical statement on customer demand through


courier : Free once a month , post which ₹50 per
statement
One time Free
Passbook Issuance
Duplicate : ₹100

Locker Charges 25% discount

SMS Alerts Free

Sweep In NA

Sweep out NA

Signature verification/Address
₹50 per instance
confirmation/Photo verification

Balance certificate Free once a quarter ,beyond which ₹100 Per instance

Interest Certificate Annual Free

TDS certificate Free Once a year

Duplicate TDS certificate ₹100 Per instance

Setup/Amendment - NIL charges


Standing Instruction
Return - ₹100 per return

ECS instruction through branch ₹25 per instruction

ECS return- Insufficient funds ₹300 per return

Old record retrieval / copy of cheque ₹50 per record

INTERNAL

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