I opened an savings account about a month ago. As I know that this bank account needs minimum 10000 INR balance, I wanted to put my savings to this account.
So Here how my horrible journey begin.
As I wanted to open an account, I withdrawn cash from my other bank’s account and reached to HDFC branch. I met the branch manager at first, I didn’t know that he is the manager because he was sitting at other official’s chair. I told him that I need to open an savings account.
Instead of giving me information of how I can open an account, he asked that how much I have balance in my other bank accounts. It wasn’t his business to know other people’s account information, i’m smart enough so I didn’t gave balance info to him. I was a bit pissed off at that time.
After then HDFC official reached to my home for account opening process.
I gave all documents and a cheque worth INR 15000. But he didn’t gave me any receipt of 15000 rupees. I just had a receipt for filling form. so I didn’t had any proof that I gave them 15000 INR. it made me a bit more crazy and I almost lost trust from this bank.
Account has been opened after a week, I was happy to see my balance in this account.
and after a few days about 600 INR deducted to HDFC Bank from my account without my PERMISSION from my account (i was able to know after 3 days about this transaction, even I was owner of this account), neither I got any message nor notification. So, after this I lost 100% trust from this bank, I withdrawn my money and decided to close account.
Now while closing this account the bank official said like "you will be charged for closing this account about 550 INR or so". even this thing, I was totally pissed off and I told him that take charge and close this account. so I LOST ABOUT 1100 INR to this bank without any service.
So here how it works. First you will have to keep 10000 INR to account. Now they will charge you some money for service or for nothing lol and they won’t let you know.
After then your balance will be less then 10000 INR so they will charge for non maintenance of minimum balance( without letting you know at this time too) . so if you get late to know your balance, they will convert your balance in negative lol and will send you notice to pay.*
I have multiple accounts in other banks and they didn’t charge me even a single rupee without my permission or notification.
I don’t recommend this thing to anyone. I lost 1100 INR and my valuable time for nothing.