abhishekhembrom
KF Ace
Why do branch hesitate and doesn't like providing services to account holder who have opened their account via online at home?
Online Saving Account vs Brach
- Thread starter abhishekhembrom
- Start date
Skylar
KF Master
Which bank?
abhishekhembrom
KF Ace
Mostly all PSU bank , in my case bank of baroda and PNB.
Skylar
KF Master
In certain banks, customers may encounter issues due to inadequate employee training. For instance, the recent BoB World App Scam, flagged by the RBI for onboarding customers online, highlights such concerns.
However, I’ve observed that SBI branches in our city consistently provide unbiased service, regardless of whether an account is opened online or offline.
abhishekhembrom
KF Ace
I have a primary Account at SBI Opened by Online and are providing all kind of services. was thinking of second account so I was looking for BoB bro savings account as here we don't have other good private alternative with zero balance account.
Here, in My Locality HDFC, Axis and ICICI are present and if I visit them they asked me 21K, 25k, and 100K respectively to open Accounts.
So, I tilted towards PNB and BoB for their Savings Account but they are asking me to get minimal initial funding but they are linking it with Some Useless PM Insurance scheme which I don't want.
Talking about other Public Sectors bank They are just thrash. Better not to talk about them.
Skylar
KF Master
No kotak in your place?
PSU or Private every one will force to take minimum balance accounts if you go offline.
abhishekhembrom
KF Ace
Sadly there is not, but here in my locality there is IDBI and if Kotak Get Merger I will able to get access of kotak ..
wcgxlr8
KF Mentor
You can anytime switch to a private online account. Axis has some where you can maintain MAB of 5k
abhishekhembrom
KF Ace
Here In My Locality Axis Asked me to maintain MAB of 12K.
TaxWiser
KF Mentor
I faced the exact same response from HDFC & ICICI branch executives in my area. So I opened HDFC Farmer's Savings A/C online through Vkyc and same for ICICI Zero Balance Savings A/C(requires initial deposit of ₹95000).
Once the A/C was successfully activated, they provided me the same services that they provided to customer who opens A/C offline.
You can try the same, and if they hesitate to offer the same services i.e. rare in case of private banks you can always raise your issue via Customer Care Email or Call.
wcgxlr8
KF Mentor
Are you not able to open it online?
abhishekhembrom
KF Ace
Nope, I'm not that's why I visited the Branch.
abhishekhembrom
KF Ace
Can We Open it Online, and What're the difference between Regular Savings Account and Farmers Saving Account.I faced the exact same response from HDFC & ICICI branch executives in my area. So I opened HDFC Farmer's Savings A/C online through Vkyc and same for ICICI Zero Balance Savings A/C(requires initial deposit of ₹95000).
Once the A/C was successfully activated, they provided me the same services that they provided to customer who opens A/C offline.
You can try the same, and if they hesitate to offer the same services i.e. rare in case of private banks you can always raise your issue via Customer Care Email or Call.
TaxWiser
KF Mentor
Yes, you can open it online,
The main difference b/w Regular & Farmer's Savings A/C is MAB i.e. MAB of Regular Savings A/C is ₹5000 & MAB of Farmer's Savings A/C is ₹2500 which is lowest MAB in HDFC, rest all service are kind of same. I'm using Farmer's Savings A/C for last 7 years, haven't faced any issue till this date.
abhishekhembrom
KF Ace
I'm able to open it online but I cant find account with 5K AMB.
wcgxlr8
KF Mentor
It's called easy access savings account. I guess you stay in a metro city? It's 12K for metro cities, 5k for semi-urban and 2.5K for rural.
abhishekhembrom
KF Ace
here in urban easy access savings account
Initial Funding ₹15,000
Average Monthly Balance (AMB) of ₹12,000
Dark Knight
KF Ace
I only have BOB and SBI, opened BoB digitally and their services are really nice infact better than SBI where i opened offline !!
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