[Resolved]  HDFC Bank — negative savings account balance

Address:Hyderabad, Telangana
Website:www.hdfcbank.com

I had a hdfc salary account 3 years back when i was working at that time. I left the job but i used the account for transaction in and out. Later because of the salary is not crediting, the salary account got converted into savings account automatically. Now the bank penalized me for non keeping of minimum balance. Penalty now became negative (-1044 rs). I don't want to pay this money. Please close the account or at least make it to zero so that i can use the account for transaction.

My customer id : 67354481
Mail id : [protected]@gmail.com
Ph no : [protected]
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Jan 3, 2019
Complaint marked as Resolved 
HDFC Bank customer support has been notified about the posted complaint.
Verified Support
Nov 28, 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 website 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 https://bit.ly/2D62CbT Kindly visit the nearest branch in case you wish to close the account. Please visit the following link for the address of our branches and ATMs. https://bit.ly/2Hqff0y

-Zubin
HDFC Bank Customer Assistance.
Nov 29, 2018
Updated by [email protected]
As per RBI, if any bank continues to debit charges on a savings account creating a negative balance customer can approach the banking ombudsman. Is this applicable to HDFC bank? I am ready to maintain minimum balance here onwards, but if I deposit 10000, the bank will deduct my penalty. It is a lose for me.
Is there any possibility to avoid penalty?
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