Hiiii guys last year un 2015 I opened an salary account with hdfc bank. When I left my last organisation and I didnt close my salary account of hdfc bank and then after 6 months the bank converted my salary account into savings account. Also they started to charge me as there was no minimum balance maintain in my account. As per RBI there are no such rules where any bank can charge for minimum balance. There are many issues which I faced with this bank. I fill the account opening form and 1 month passed still I dont received the sms or email regarding that your account has open. I just check and the salary was credited and account was open. So I remove my salary and after 4 days I received an sms and email that your account is open.