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    Schedule of Charges: Smart Salary Exclusive

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    vedavak
    This document provides a schedule of charges for various banking services offered by Smart Salary Exclusive and Savings Exclusive accounts at YES BANK effective October 1, 2012. Minimum balance requirements and charges for account maintenance, funds transfers, debit cards, remittances, collection services, doorstep banking and other miscellaneous services such as stop payments, account closures are outlined. Common guidelines specify that accounts will be converted to savings if no salary is credited for 3 months and that applicable taxes will be charged on forex transactions.

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    Schedule of Charges: Smart Salary Exclusive

    Uploaded by

    vedavak
    111 views2 pages
    This document provides a schedule of charges for various banking services offered by Smart Salary Exclusive and Savings Exclusive accounts at YES BANK effective October 1, 2012. Minimum balance requirements and charges for account maintenance, funds transfers, debit cards, remittances, collection services, doorstep banking and other miscellaneous services such as stop payments, account closures are outlined. Common guidelines specify that accounts will be converted to savings if no salary is credited for 3 months and that applicable taxes will be charged on forex transactions.

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    Smart Salary Exclusive

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    This document provides a schedule of charges for various banking services offered by Smart Salary Exclusive and Savings Exclusive accounts at YES BANK effective October 1, 2012. Minimum balance requirements and charges for account maintenance, funds transfers, debit cards, remittances, collection services, doorstep banking and other miscellaneous services such as stop payments, account closures are outlined. Common guidelines specify that accounts will be converted to savings if no salary is credited for 3 months and that applicable taxes will be charged on forex transactions.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    111 views2 pages

    Schedule of Charges: Smart Salary Exclusive

    Uploaded by

    vedavak
    This document provides a schedule of charges for various banking services offered by Smart Salary Exclusive and Savings Exclusive accounts at YES BANK effective October 1, 2012. Minimum balance requirements and charges for account maintenance, funds transfers, debit cards, remittances, collection services, doorstep banking and other miscellaneous services such as stop payments, account closures are outlined. Common guidelines specify that accounts will be converted to savings if no salary is credited for 3 months and that applicable taxes will be charged on forex transactions.

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    Schedule of Charges

    Smart Salary Exclusive


    Effective October 1, 2012
    Minimum Maintenance
    Average Quarterly Balance (AQB) AQB Non-maintenance charges Nil Nil DD Issuance - FCY Traveler's Cheque Issuance ^ Cheque Collection - FCY ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000) 1% Commission ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

    Savings Exclusive

    Minimum Maintenance

    Savings Exclusive

    Foreign Exchange Services *

    Payment Services
    Intra-Bank Fund Transfer - Branch Intra-Bank Fund Transfer - NetBanking RTGS Payment - Branch RTGS Payment - NetBanking NEFT Payment - Branch NEFT Payment - NetBanking Payable At Par Cheque Usage DD payable at YES BANK locations - Branch DD payable at YES BANK locations - NetBanking DD payable at Correspondent Bank locations Free Free Free Free Free Free 50 Txns Per Month Free; ` 2 / Txn thereafter Free Free 3 Per Month Free; ` 2.5 / ` 1,000 (Min. ` 50, Max. ` 5,000) thereafter Card Type Annual Fee Cash Withdrawal - India Balance Inquiry - India PIN Regeneration Charge Slip retrieval Foreign Outward Remittance Foreign Inward Remittance

    Remittance Services *
    ` 500 inclusive of SWIFT Charges Free

    Debit Cum ATM Card


    Domestic Gold Free Free Free ` 50 / Instance ` 250 / Instance ` 25 / Instance ` 149 / Instance 3%

    Collection Services
    Intra-Bank Fund Transfer Collection RTGS Collection NEFT Collection Cheque Collection - Local Clearing Outstation Cheque Collection - YES BANK locations Free Free Free Free Free (plus ` 20 courier charges) Up to and including 5,000; ` 25 / Instrument Outstation Cheque Collection - Correspondent Bank locations (Instrument value) Above 5,000 and up to including 10,000; ` 50 / Instrument Above 10,000 and up to including 1,00,000; ` 100 / Instrument Above 1,00,000; ` 150 / Instrument Outstation Cheque Collection - Other locations (Instrument value) Cash Deposit *(I) ` 25 / Instrument Free

    ATM Declines due to insufficient funds Replacement of lost / stolen Debit Card Cross Currency Mark-up

    Doorstep Banking Services^


    Pick-Up or Delivery of instruments Cash Pick-Up / Delivery upto ` 3 Lacs*(II) Cash Pick-Up / Delivery above ` 3 Lacs upto ` 8 Lacs*(II) Cash Pick-Up / Delivery above ` 8 Lacs upto ` 15 Lacs*(II) Cash Pick-Up / Delivery above ` 15 Lacs*(II) 5 Visits Per Month Free; ` 100 / Visit thereafter 10 Txns or upto ` 20 Lacs Free Per Month each for Cash Pick-Up and Cash Delivery. Thereafter +` 200 / Txn upto ` 3 Lacs, +` 250 / Txn above ` 3 Lacs upto ` 8 Lacs, +` 600 / Txn above ` 8 Lacs upto ` 15 Lacs, +` 1.500 / Txn above ` 15 Lacs

    * See guidelines for details

    ^ Please check with the branch for the availability of this service

    Page 1 of 2

    For Debit Card linked to account opened before November 30, 2013: If there has been an international transaction earlier, the limit for such transactions will be reset to Zero. For other cases, there will be a standard limit for internationalATM and merchant transactions. You can opt for Platinum International Chip Debit Card for better security and for availing higher limits on international transactions.

    Schedule of Charges
    Miscellaneous Services
    Cheque Return - Insufficient funds ECS Return - Insufficient funds Cheque Return - Local Clearing Cheque Return - Outstation Collection Stop Payment of Cheques - Branch SWIFT Charges Dormancy Activation Account Closure Money Monitor Annual Fee Depository Annual Maintenance Charge SMS / E-mail Alerts (Day end balance / transactions above a threshold / low balance) Utility Bill payment - NetBanking ` 300 / Cheque ` 200 / Return ` 50 / Cheque ` 50 / Cheque ` 50 / Instruction ` 500 Free Free ` 249

    Smart Salary Exclusive Effective October 1, 2012


    Basic Banking Services Account Opening Mobile Banking Registration Phone Banking Registration NetBanking Registration Investment Services Registration Nomination Facility Payable at Par Cheque Book Any Branch Banking Quarterly statement by post Monthly statement by post Standing Instruction maintenance - Branch Standing Instruction maintenance - NetBanking ECS Instruction Balance Inquiry - Branch Balance Inquiry - Mobile Banking Balance Inquiry - NetBanking Replacement of damaged Debit Card e-commerce payment - NetBanking Mutual Fund investments - Branch Mutual Fund investments - NetBanking Stop Payment of Cheques - NetBanking Stop Payment of Cheques - Mobile Banking Cancellation of DD payable at YES BANK locations Cancellation of DD payable at Other locations DD Revalidation Passbook Issuance Banker's Verification (Signature / Address / Photograph) Retrieval of Cheque / Instruction Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free ` 50 / Instruction ` 100 / Instruction ` 50 / Instructtion Free ` 100 / Verification Free within 1 year of date of issue, ` 100 / Cheque thereafter

    Free Account Opening. Lifetime 50% AMC waived off Free

    Free

    Common Guidelines
    ! ! ! ! ! ! ! ! In the event of no salary credits in the account for a continuous period of 3 months, the account will be converted to Savings Account. Card Rates apply for all Foreign Exchange conversion transactions less than US$ 20000 (or equivalent). The charges for Forex transactions mentioned in the schedule of charges does not include any charge that may be levied by the originating/correspondent bank Applicable tax & surcharge will be levied on all foreign exchange sale and purchase transactions. In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover charges due. The charges mentioned in the schedules are exclusive of taxes as applicable from time to time. Average Quarterly Balance (AQB): AQB is the average daily balance maintained by the customer for a period of 90 days. It is a Summation of Daily Closing balances for a period of 90 Days/90. This account variant was earlier known as Salary Gold

    Common Guidelines
    Page 2 of 2

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