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Credit Cards   Auto Loans   Home Loans   Personal Loan         Fixed Deposits   Savings Accounts   Education Loans   Auto Insurance     SAVING ACCOUNT DETAIL Synd-Super Premium Savings Bank Account Highlights Bank Syndicate Bank Category Privileged Account Minimum AQB (Average Quarterly Balance) Rs.1,00,000/- 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 All person(s) / associations who are eligible to open a Savings Bank Account can open accounts under this scheme. Monthly average minimum balance of Rs.1,00,000/- is to be maintained under the scheme. Sweep-in / sweep-out facility at all our e-banking branches. In case the customer desires the sweep-in, sweep-out facility, he may avail the same with following terms and conditions : (at e-banking Branches) The balance available in the account in excess of Rs.1,00,000/- shall be swept out into fixed deposits for a period of 3 years in units of Rs.10,000. The rate of interest payable on the swept out amount shall be the rate applicable for 3 years term deposit as on the date of sweep-out. The interest amount will be credited to the Super Premium Savings Bank account on half yearly basis. As and when there is need for funds in the Synd-Super Premium Account, the fixed deposit is broken prematurely in units of Rs.10,000/- and swept into the savings account to the extent of meeting the need. This Sweep-in will be based on last in first out. The interest rate applicable for the amount swept in will be the rate applicable for the period for which it was held in the term deposit account. No penalty is charged for breaking the fixed deposits prematurely. No separate deposit receipt will be issued. All entries will be reflected in the statement of account for the special savings account. No loan against the amount swept-out and invested in fixed deposits shall be considered nor the same taken as security for any credit facilities. ABB facility with Multi-city chequebook is available for the customer in CBS branches. Personalized Chequebook may be issued to account holders. Services Charges for non-maintenance of monthly minimum average balance (Rs.1,00,000/-) shall be Rs.100/- per month. Service charges for closure of account shall be Rs.100/-.  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) CBS Branch 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 Understand Your Credit Card Statement Guidelines to apply for NRI Personal Loans Raju and The Skyladder Page 20 e-filing of income tax returns at... Fixed or floating interest rate home loan:...

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