[Resolved] HDFC Bank — negative balance in my account

avinash_jha123

from Ahmedabad, Gujarat

Address:

Ahmedabad, Gujarat

My salary account (In hdfc bank) was created in my first company, so once i left the company and joined somewhere else i had to open another salary account. Now my salary account in hdfc bank has been converted to savings account (Without informing me or warning me)... After that i never logged in to my account through net banking and i do not have a debit card (Lost in 2 years back and i never requested for a new one). I checked my account for some reason on 23rd of december, 2018 and i see that i have rs -5052 in my account. I request you to please take action against this bank.. They have no right what so ever to do whatever they want without informing the customer...

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Jan 25, 2019

Complaint marked as Resolved

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

Dec 23, 2018

Updated by avinash_jha123 my new contact number is [protected]

Verified Support

Dec 24, 2018

HDFC Bank Customer Care's response Dear Customer,

We have checked and confirm that your account status is updated as resigned in our system and you no longer hold a zero balance salary account. Thus the balance required to be maintained is Rs. 10000/-. The special facilities offered on the Salary Account is pursuant to the arrangement between the employer/company and the Bank. These benefits are extended by virtue of your employment in the organization, on whose request the account is opened with the bank. In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the web site of the Bank. Please visit for Terms and conditions: http://www.hdfcbank.com/common/hdfcbank_tnc.htm 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 However in case of a change in employment, you can continue with the same account provided the new employer has an arrangement with the bank for the corporate salary account programme. In case an arrangement exists, we request you to visit the nearest branch along with your latest employment details for updation to continue with the existing account. Please visit the following link for the address of our branches and ATMs https://www.hdfcbank.com/branch-atm-locator.

-Manoj
HDFC Bank Customer Assistance