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Credit Cards   Auto Loans   Home Loans   Personal Loan         Fixed Deposits   Savings Accounts   Education Loans   Auto Insurance     SAVING ACCOUNT DETAIL Special Premium Savings Account Highlights Bank Syndicate Bank Category Privileged Account Minimum AQB (Average Quarterly Balance) Rs.20000/- Interest Rate 4% Card Offered ATM cum Debit Card ATM Cards Membership fees Nil Annual fee Nil Renewal charges Nil Late payment charges not applicable Interest charges not applicable Replacement charges Rs.100/- Transaction charges for partner banks Rs.10/- per transaction Transaction charges for non-partner banks Rs.50/- per transaction CBS Branch same charges applicable Main Features The Bank has introduced a Special Premium Savings Account at e-banking branches that combines full safety, easy liquidity and highest possible interest. A unique 'Sweep out, Sweep in' facility offered at our e-banking branches ensures that while the customer's money earns solid interest as a fixed deposit, it turns liquid to meet his urgent needs. That too at no extra cost. Average monthly balance of Rs.20000/-to be maintained in the Special Premium Savings Account. Balance available in the account in excess of Rs.20000/-on any day gets automatically swept out into a fixed deposit for 1 year 1 day in units of Rs.1000/-. In the event of shortfall in SB for meeting your clearing cheques or for other urgent needs, the fixed deposit is swept back into the Special Premium Savings Account in required number of units of Rs. 1000/- free of cost. No penalty is charged for breaking the fixed deposit prematurely. However, the amount swept out earns interest for the period run at the applicable rate. Even while breaking the fixed deposit, only the most recently converted fixed deposit is first broken to minimize interest loss to the customer. Only those amounts swept out of your Special Premium Savings Account are eligible for sweep in and not other fixed deposits. When fixed deposits mature at the end of 1 year 1 day, the Bank will renew the principal every 1 year 1 day while crediting the interest to the savings account. Rs.100/-per month is levied as service charges whenever the monthly average balance in the Special Premium Savings Account goes below Rs.20000/-  Fees & charges   Fees & charges ATM transaction at own bank 2% on advance amount (Minimum Rs.50/- per transaction + finance charges. Using Debit Card ATMs of Syndicate Bank nil Cash withdrawal at ATMs in India Other Bank’s ATMs in India 2.5% on advance amount (Minimum Rs.75/- per transaction + finance charges Using Debit Card Cash Tree ATMs in lndia Rs.10/- per transaction Other Bank’s VISA ATMs in India Rs.50/- per transaction Cash withdrawal at ATMs in outside India Other Bank’s ATMs outside India 2.5% on advance amount (Minimum Rs.125/- per transaction + finance charges. Using Debit Card VISA ATMs outside India Rs.125/- per transaction Debit Card Fees Membership fees Nil Annual fee Nil Renewal charges Nil Late payment charges not applicable Replacement charges Rs.100/- CBS Branch same charges applicable Balance inquiry at own bank Nil CBS Branch same charges applicable Issue of DD drawn on base Bank/banks branch by cheque/transfer Non - CBS branches Non-cash Transaction Upto & inclusive of Rs.500/- Rs.10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.18/- Above Rs.5000/- & upto Rs.10000/- Rs.22/- Above Rs.10000/- Rs2/- per thousand Or part thereof with Minimum of Rs.25/-, Maximum- Rs.5000/- Cash Transaction Upto & inclusive of Rs.500/- Rs.10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.20/- Above Rs.5000/- & upto Rs.10000/- Rs.25/- Above Rs.10000/- Rs.2/- per thousand or part thereof plus 25% extra with a minimum of Rs.30/- (for remittances upto Rs. 50,000/-) CBS branches: DD – Issue - Non-cash Cash Upto & inclusive of Rs.500/- Rs.10/- Rs.10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.18/- Rs.20/- Above Rs.5000/- & upto Rs.10000/- Rs.22/- Rs.25/- Above Rs.10000/- 0.20% of the amount with a minimum of Rs.25/- maximum of Rs.5000/-, 0.25% with a minimum of Rs.30/- (for remittances only upto Rs.50000/- DD cancellation/Revalidation DD - Cancellation Rs.15/- (per instrument) DD – Duplicate Rs.30/- (per instrument) DD - Revalidation Rs.15/- (per instrument) DD drawn on correspondent location/other bank Remittance facilities through other bank not applicable CBS Branch Remittance facilities through other bank not applicable Statement/Duplicate Account Statement Non - CBS branches Issue of duplicate statement - Not applicable CBS branches Issue of duplicate statement - Not applicable Cheque Books Non - CBS branches Issue of loose cheque leaves - Nil CBS branches Issue of loose cheque leaves - Nil Pass Book Non - CBS branches Issue of duplicate Passbook – With latest entry only - Rs.20/- With previous entries - Rs.20/- for each folio CBS branches With latest entry only - Rs.20/- -With previous entries - Rs.20/- for each folio Outstation cheque collection Upto and inclusive of Rs.500/- Rs10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.25/- Above Rs.5000/- & upto Rs.10000/- Rs.35/- Above Rs.10000/- & upto Rs.100000/- Rs.3.50 per thousand or part there of Above Rs.1.00 lakh & upto Rs.10 lakh Rs.3.00 per thousand or part thereof with a minimum of Rs.350/- and maximum of Rs.5000/- Outstation through own bank - Upto and inclusive of Rs.500/- Rs10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.25/- Above Rs.5000/- & upto Rs.10000/- Rs.35/- Above Rs.10000/- & upto Rs.100000/- Rs.3.50 per thousand or part there of Above Rs.1.00 lakh & upto Rs.10 lakh Rs.3.00 per thousand or part thereof with a minimum of Rs.350/- and maximum of Rs.5000/ Outstation through another bank commission as above will be shared on 50:50 basis if the other bank is a PSB. In other cases normal commission as above will be collected CBS Branch: Collection of cheques – Outstation cheques Upto and inclusive of Rs.500/- Rs10/- Above Rs.500/- & upto Rs.1000/- Rs.15/- Above Rs.1000/- & upto Rs.5000/- Rs.25/- Above Rs.5000/- & upto Rs.10000/- Rs.35/- Above Rs.10000/- & upto Rs.100000/- Rs.3.50 per thousand or part thereof Above Rs.1.00 lakh & upto Rs.10 lakh Rs.3.00 per thousand or part thereof with a minimum of Rs.350/- and maximum of Rs.5000/- Return of Cheque Bouncing of cheques – local Rs.20/- from the lodger or Rs.50/- in case the cheque is returned for want of funds. Apart from handling charges, interest has to be collected at the prevailing commercial rate of interest from the date of dishonour till the date of actual receipt of funds from the drawer bank with a minimum of Rs.5/- per instrument. Bouncing of cheques – outstation – through own bank 50% of the applicable commission- minimum Rs.20/- Bouncing of cheques – outstation – through another bank 50% of the applicable commission plus actual amount charged by the other bank CBS Branch Bouncing of cheques – local Rs.20/- from the lodger or Rs.50/- in case the cheque is returned for want of funds. Apart from handling charges, interest has to be collected at the prevailing commercial rate of interest from the date of dishonor till the date of actual receipt of funds from the drawer bank with a minimum of Rs.5/- per instrument. Bouncing of cheques – outstation – through own bank 50% of the applicable commission Bouncing of cheques – outstation – through another bank 50% of the applicable commission plus actual amount charged by the other bank Stop Payment for individual cheque or a range of cheques Rs.20/- per instrument Double the charges on any one occasion for more than one instrument CBS Branch same charges applicable Closure of Account Rs.10/- for SB a/cs (No charges shall be collected – a) if the a/c is transferred to another branch, b) To open another account in the case of death) Rs.25/- for CA Interest Certificate Rs.20/- CBS Branch same charges applicable Balance Certificate Rs.20/- CBS Branch same charges applicable  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 Amanath Co-operative Bank Ltd. Andhra Bank Andhra Pradesh Mahesh Co-Op Urban Bank Ltd. AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Bhartiya Mahila Bank Bombay Mercantile Co-operative Bank Limited 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 Dombivli Nagari Sahakari Bank Ltd. Federal Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Janakalyan Sahakari Bank Ltd Karnataka bank Karur Vysya Bank Kotak Mahindra Bank NKGSB CO-OP Bank LTD. Nutan Nagarik Sahakari Bank Limited Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Rajkot Nagarik Sahakari Bank Ltd. Repco Bank Royal Bank of Scotland Rupee Co-op. Bank Ltd. 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 Tamilnad Mercantile Bank Ltd The Greater Bombay Co-operative Bank Ltd The Haryana State Cooperative Apex Bank Ltd THE HP State Co-operative Bank Ltd. The Karad Urban CO-OP Bank Ltd The Lakshmi Vilas Bank Limited The Ratnakar Bank Ltd. The Saraswat Coop Bank Ltd The Surat People’s Cooperative bank The Thane Janata Sahakari Bank Ltd UCO bank Union Bank of India United 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 Auto Insurance   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans Auto Insurance   EDITORS' PICKS Fixed deposits in India: Benefits,... 7 most common Home Loan problems faced by... ICICIs latest phishing warning email Investment options to Save Tax under... Income Tax Benefits on Joint Home Loans

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