[Resolved] HDFC Bank — imposition of non maintenance charge

ddbiswal

from Bhadrakh, Odisha

Address:

753003

Customer ID 5301673.I was a classic customer.I had joint account with my wife.She never operated the account .I had issued a cheque in favour of my broker.Bank dishonoured the cheque on the ground that my wife's adhar details has not been updated.I had to incur losses.Written complaint letters to customer care.Not received satisfactory reply.My debit card was blocked.

I withdrew my money from the bank leaving a minimum balance necessary for savings bank account.I requested the bank to take away the facilities given to me as a classic customer .The bank through a mail confirmed that that facilities has been withdrawn.Currently I have around Rs.15, 000/- in my savings bank account n have a fixed deposit of Rs.1, 00, 000/- (maturity value Rs.1, 50, 000/-).

Today I received a message from BH-HDFCBK asking me to maintain the minimum balance.Failing which non maintenance charge shall be levied.
As classic customer facilities have been withdrawn, why should I pay the maintenance charge?
Kindly look in to the matter n reply.
Thanking u.

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Dec 14, 2017

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Nov 03, 2017

HDFC Bank Customer Care's response Dear Customer,

We sincerely apologise for the inconvenience caused to you, We confirm that the said account is regular account with average monthly balance of Rs. 10, 000.00. Average Monthly Balance is calculated out at the end of the month. This is the average of the closing credit balance in the Account at the end of each day during the calendar month (i.e. a total of the daily closing credit balance divided by the total number of days during the month). In case this average is less than the minimum prescribed for your account, the charges for non-maintenance will be levied at the beginning of the following month along with the GST at the applicable rates. You may visit http://www.hdfcbank.com/search/FAQ_Search.jsp?faq_srh=average+monthly+balance&x=67&y=5 for more details of how the Average Monthly Balance is calculated. For a Regular Savings Account, the charges for non-maintenance of Average Monthly Balance is available on http://www.hdfcbank.com/personal/product/productdetails/regular-savings-account/gts8mio3

-Manoj
HDFC Bank Customer Assistance