Todays our state bank of india new rule to penalty if our balnce is less than 5000 . This is a very bad rule I think because I am a student sometimes I have not deposit more than 5000 rs . Then bank will cut the penalty every month . Previous few months may be 4-5 months the bank will be minimum 700 rs cut my ac.t for the reason monthly average balance maintainnance . this is what ? My question is that if I m a student I have no any income source then what can I deposit monthly average balances ? If I m salaryes person then this rule is ok but .? Another question is if the bank account holders are paid penalty every month for the reason of average balance maintainnace then why bank will not deposited interest every month ? Why ?