Kotak Mahindra Bank — bank charges

Address: 15TH MAIN ROAD, KAREMA SAB LAYOUT , SRIGANDAKAVALU

Hello sir/madam,

I am holding kotak mahindra account since 2019. It is a salary account. It was told at that time that there is no charge applied by bank for atm withdrawal for any number of online transactions at any bank atm domestic

There are total 4 times 23.60 and 1 time 29.50 has been deducted in the month of mar'20 and 4 times 23.60 and 1 time 39.00 has been deducted in the month of apr'20

16/03/2020 chrg: atm cw fee-dom/ tbms -23. 60
16/03/2020 chrg: atm cw fee-dom/ tbms -23.60
16/03/2020 chrg: atm cw fee-dom/ tbms -23. 60
17/03/2020 chrg: atm cw fee-dom/ tbms -23.60
17/03/2020 chrg: atm decl fee-dom/ tbms -29. 50
25/04/2020 chrg: atm cw fee-dom/ tbms -23.60
25/04/2020 chrg: atm cw fee-dom/ tbms -23.60
25/04/2020 chrg: atm cw fee-dom/ tbms -23.60
26/04/2020 chrg: atm cw fee-dom/ tbms -23.60
27/04/2020 chrg: atm cw fee-dom/ tbms -39.00

Since this is zero balance account and free atm/debit card that can be used to transact worldwide then why bank are deducting these charges. Please explain the reason and if it is incorrectly deducted, please help me out for refund it.

Thank you,