- This topic has 18 replies, 13 voices, and was last updated 1 year, 3 months ago by
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Uit was marketed as zero balance account, after an year or so they introduced charges for maintenance+ card maintenance charges and i wasn’t aware of the details. i even mailed them but nothing from their side. now federal bank is asking 1020rs for closing the account as my balance was below 5000*
what can i do? I’m repeatedly replying to their customer care mail that I can’t pay this huge amount just to close the account still they are saying we can’t do anything you have to pay to close. what can i do?
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WLeave the account unused for more than 10Y.
Bank will close it automatically due to inactive reason and negative balance.Banks are making a proposal to regulator for reporting such instances to credit bureau, but this hasnt been accepted.
So you can just forget that you had one account with this bank and chill.
Banks will close it eventually. -
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UI got my axis account closed by reporting to ombudsman. Had visited the branch. The executive told me that the account cannot be closed without paying the amount of ₹2600. I did not pay the same and instead I complained to RBI ombudsman through their website. After the complaint reached the branch, the bank manager called me and apologise and told me to not complain to ombudsman from next time and close my account without any service charges.
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AI got it closed the same day i opened when i saw it is asking for mantainece and it was closed without any charges
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Ui also had same problem in Union bank of India
so i also just ignored the account but one day it came back to bite me
my father actual singed as refer/ surety Durning opening of my account so this bank morons blocked my father account after 5 yr and asked me came to bank re KYC my account close it by paying all the fines and i did, to reactivate my father’s account. so take a informed decision
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ANo private digital account is free also it has clearly mentioned in their fees structure to charge upto 1000 annually for non maintenance of MAB. That’s why I chose PSU bank for a savings account recently open my 2nd account in BOB digitally and got my rupay platinum debit card free for lime only condition is to maintain 3k quarterly MAB which is not a big deal for saving 300+18% GST on debit card annually other one is SBI where I had choosen Virtual Visa debit card which free of charge for life whereas 0 rs account maintenance and no sms charges and best part is their digital banking is really good that I haven’t visited sbi home branch since last 3 years everything done online or through kiosk.
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QYou can forget the account and it will eventually be closed.
Or
If you want to still use the account after it’s made active.Send a mail to branch stating, you weren’t aware of MAB and when you opened there was no MAB. And state a genuine reason and ask for waiver of MAB charges. Next, raise ombudsman complaint, stating they have charged MAB charges on zero balance account .
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QBranch has to take permission from Head office for waiving off. They can’t do it unless you request for it.
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ASame for Jupiter money, they are also associated with Federal bank. Initially, it was advertised as a zero balance acc, then it was converted to minimum balance of 5000, But they sent mail to all users about this, in the mail they mentioned that the charges will be applicable from next year so I closed it without any charges. Have you missed any such mail by chance? . Rest if you don’t want to pay let it be active, after some years it will be closed automatically.
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Uim also closing my fi account after seeing mab now of 5k , i liked it as it also has options to invest in US stocks.
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