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DCB Bank Savings Account

Different individuals need different savings bank accounts to suit their needs. This is the reason why various banks have launched different types of Savings Accounts in order to help customers  maximise their money through higher bank interest rates.

DCB Bank has brought in contemporary technology and infrastructure including internet banking facilities for business banking customers. DCB Bank transacts with the following business segments: Retail, Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC) and  Small and Medium Enterprises (SME).

DCB Bank offers the following bank interest rates:

4% per annum interest if the balance in the account is up to Rs. 1 Crore.

For balances between Rs. 1 Crore and up to Rs. 5 Crore, the rate of interest provided is 6.25% per annum.

DCB Bank offers the following types of Savings Bank Accounts:

  1. DCB Classic Savings Account

The DCB Classic Savings Account is the primary savings account of DCB Bank. The minimum quarterly average balance of the savings account is Rs. 5000 for branches in the Tier 1 cities and Rs. 2500 for branches in the Tier 2 cities. The rate of interest paid on balance in DCB Savings Accounts is 4% per annum. The interest is paid every half yearly, in September and in March.

Features of the DCB Classic Savings Account:

  • Unlimited free access to all DCB Bank and Visa ATMs in India
  • Free any branch banking across DCB Bank branches
  • Free unlimited use of RTGS / NEFT facility
  • Free DCB Internet / Phone / Mobile Banking
  • DCB Basic Savings Bank Deposit Account

This is the zero balance bank account offered by DCB Bank.

Features of the DCB Savings Bank Deposit Account

  • Free ATM Card
  • Physical and email statement of accounts
  • Free any branch banking across DCB Bank branches
  • Free unlimited use of RTGS / NEFT facility
  • Free DCB Internet / Phone / Mobile Banking.DCB Elite Savings Account

The DCB Elite Savings Account is a premium type of savings account offered by DCB Bank. With high transaction limits, this requires a higher average monthly balance than a Classic Savings Bank Account. DCB Bank gives its Elite Savings Account holders to choose their account number.

Features of the DCB Elite Savings Bank Account are:

  • The average monthly balance required to be maintained is Rs. 25,000
  • Flat 1.60% cash back on all expenditures using the DCB Platinum Debit Card (subject to a maximum cashback of Rs. 2,000 in a month and Rs. 20,000 in a financial year).
  • Unlimited free access to all DCB Bank and Visa ATMs in India
  • Avail 50% discount on locker fee (subject to maintenance of average quarterly balance of Rs. 1,00,000)
  • Free unlimited pay orders / demand drafts
  • Free unlimited use of RTGS / NEFT facility.
  • DCB Family Savings Account

The proposition of this account is one family one account. The minimum number of members in the family must be two and the maximum can be five. The required average balance can be maintained in one account or combination of family accounts. This account must have an average quarterly balance of Rs. 1 Lakh.

Features of the DCB Family Savings Account

  • Personalized PAP (Pre-Authorized Payment) Chequebook of 25 leaves free, per month per account in a family group.
  • Get access to a host of investment products and services. Avail attractive rates for Life Insurance Term Plan and Group Personal Accident policy.
  • Additionally, the Bank also provides the accounts under the Family Savings Account the following three provisions which are also available to an Elite Savings Bank Account holder:
    • Flat 1.60% cashback on all expenditures using the DCB Platinum Debit Card (subject to a maximum cashback of Rs. 2,000 in a month and Rs. 20,000 in a financial year).
    • Free unlimited use of RTGS / NEFT facility.
    • Unlimited free access to all DCB Bank and Visa ATMs in India
  • DCB Shubh-Labh Savings Account

In this type of account, the account holder can earn up to 8.80% interest per annum on his balance.

To earn Cashback, you have to fulfill the following conditions:

  • Maintain the required AQB as explained in the illustration
  • Transact using your DCB Shubh-Labh Platinum debit card to Earn Cashback every quarter
  • DCB Bank Privilege Savings Account

This type of Account enables account holders to hold a total relationship value of Rs. 5 lakh through a combination of Savings Account + Fixed Deposits held with the Bank.

Features of the DCB Bank Privilege Savings Bank Account are:

  • The account holder would be issued a DCB Platinum Debit Card with ATM cash withdrawal limit of Rs. 1 lakh and Point of Sale (POS) limit of Rs. 1.5 lakh per day.
  • Priority service at branches through a dedicated relationship manager for a hassle-free banking experience
  • Unlimited access to all Visa ATMs pan-India
  • DCB Cashback Savings Account

The key benefit of this type of Account is that it is an account that rewards you with cash back of up to Rs. 6,000 in a financial year for every purchase you make using your DCB CashBack Debit Card. The Minimum Quarterly Average Balance (QAB) for the CashBack Savings Account is Rs. 10,000.

Features of the DCB CashBack Savings Account are:

  • Unlimited free access to all DCB Bank and Visa ATMs in India
  • Free any branch banking across DCB Bank branches
  • Free unlimited use of RTGS / NEFT facility
  • Free Demand Draft and Pay Orders up to Rs. 1 lakh per day
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Interest Rate
6%* p.a.
( 6.5% p.a. for Senior Citizens)(Open Kotak 811 and Book an FD to earn up to 7.00% interest)
Minimum Balance
0
Show Details
Features
  • You can now avail the benefits of the banking solutions with a single touch
  • Kotak 811 offers a virtual debit card (VDC) for the ease of online banking
  • Ideal for all your daily needs such as shopping, groceries, cab payments, and various others
  • Earn 7.00% interest on fixed deposits and Senior Citizens can earn upto 6.5% p.a. To know more click bit.ly/2KRtaSr
Interest Rate
6%
(Up to Rs. 1 Lakh)
Minimum Balance
Nil
Show Details
Features
  • Open an account only with the help of your Aadhar Card Can apply for this account at the micro ATM of IDFC Bank
  • Account offers Internet & mobile banking, free & unlimited ATM services, and various others.

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