क्या ऑनलाइन बैंक अकाउंट खोलने सोच रहे क्या चाहते हैं हमारा बैंक HDFC Bank Account Opening हो तो जरूर होगा बस करना होगा यह छोटा सा काम बिना बैंक जाए खोले बैंक Account सिर्फ़ 5 मिनिट में घर बैठे ऑनलाइन पूरी जानकारी अपने मात्र हिंदी में सीखे ?
सबसे पहले जन ले HDFC Bank Account होने के क्या – क्या फ़ायदा और कौन – कौन से Features हैं, सब कुछ पूरी जानकारी दे खने के बाद यह बैंक जरूर पसंद आएगा क्योंकि यह सबसे बढ़िया बैंक है |
1. Top 7 Features Of A Savings Account
Savings Accounts usually come with certain advantages which makes a perfect investment choice. They also come with additional features that make them more suitable for certain purposes. Here is a list of features of Savings Account to help you understand why a Savings Account might be just what you need:
Easy Transactions You can use your Savings Account to send and receive payments. This can be done by either NetBanking, or through your Debit/ATM Card. This feature cuts down the dependency on cash for all transactions, especially when it comes to payment of bills.
Payment of Bills
These days, banks offer payment facilities such as BillPay with Savings Accounts. This enables account holders to make payments for utilities such as electricity, water and phone recharges directly from their account.
Should you feel the need to withdraw cash, then you can do so from your Savings Account via an ATM. Most banks have their ATM branches spread all over the country. But in case you cannot find one in your vicinity, and the need for cash is too pressing, then you can access your account from another bank’s ATM as well. All you need is your ATM/debit card.
NetBanking and MobileBanking
Your bank will usually provide with NetBanking facilities with your Savings Account. as mentioned earlier, this makes it convenient to conduct transactions. You can send and receive payments by logging in to your account online. Further, you can download the bank’s app on your phone and use mobile banking to make your banking activities more convenient and accessible from anywhere. MobileBanking apps also provide you the facility to interact with bank executives for any queries, without having to make a trip to the bank’s nearest branch.
Banks provide Savings Account holders with ATM/Debit Card not just for accessing the account through the ATM, but also for making payments, whether at the merchant’s store, or through an online payment gateway.Savings interest ratesWith every Savings Account, banks offer an interest rate enabling your idle money to grow over time.
Cross Product benefits
Banks offer a range of different Savings Account With HDFC Bank InstaAccount open a Savings Account instantly in a few simple steps. It comes pre-enabled with HDFC Bank NetBanking & MobileBanking and you can enjoy Cardless Cash withdrawals. Click here to get started!
Click here to open a Savings Account.
* The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.* Open New Account
2. Features of Savings Account
You probably got your first bank account when you were in school or college, in which case it’s likely to have been a Savings Account. Often, this is the first banking experience for most people.
Traditionally, a Savings Account served two purposes: first, it kept your deposits safe, and second, it enabled you to make some extra money through interest. In fact, as a child, this was probably all that mattered to you – how much you earned through interest, and how much more you could withdraw.
However, ever since the State’s monopoly on the banking sector was eased to let in private players, the humble Savings Account has seen the addition of more and more features over time. This has elevated your everyday banking experience from mundane to exciting. In case you are unaware of the various add-on features, do yourself a favour and familiarise yourself with some of the newer (and more lucrative) features.
The immediate upgrades are of course those enabled by technology: online banking transactions such as automated bill payment, fund transfer (NEFT, RTGS, IMPS), e-wallet services, and Debit-cum-ATM cards for both, domestic and international use.
Then there are innovative schemes such as the sweep facility, discounts and CashBack benefits, attractive locker facilities, Zero-Balance Savings Accounts, and even annual fee waivers.
Private banks have also introduced ‘quick service’. For instance, creating a new account at HDFC Bank takes only minutes, and loan approvals take about the same time. If you’re a new customer, service executives from HDFC Bank even fill out your forms and help you better understand the facilities on offer.
Frequently, private banks offer higher interest rates (depending on the nature of your Savings Account). This, in fact, is the bargaining power they have over most state-owned banks.
Many banks also have customer-specific offers, including some targeted exclusively at women and children. A case in point is the Women’s Savings Account from HDFC Bank, which comes with some attractive features such as MoneyMaximiser, EasyShop (an advantageous Debit Card for women), and even personal accident death cover for up to Rs 10 lakh.
This Savings Account also includes other advantages basis your relationship with the bank such as preferential rates and processing fees waivers on Two-Wheeler, Car, Gold And Personal Loans, and CashBack offers. The EasyShop Debit Card, for instance, has a CashBack offer of Rs. 1 for every Rs. 200 spent; a daily cash withdrawal limit of Rs 25,000, and a daily shopping limit of Rs 1.75 lakh.
Main benefits of a Savings Account
Sweep facility: Under this, the deposit balance gets transferred automatically to a slab with a higher rate of interest than the standard rate as soon as it exceeds a pre-determined level. However, this facility does not kick in automatically; as an account holder, you have to complete a few formalities to activate it.
Discount benefits: Banks often offer discounts and CashBack schemes to Savings Account holders at ‘partner locations’ such as specific petrol pumps (via fuel surcharge waiver) if payments are made through that bank’s debit card. This can also apply to restaurants, shopping sites and more.
Locker facility: Account holders can be offered up to 30% discount on annual locker fees, but not all banks offer this scheme. Besides, qualification for the facility can depend on the type of Savings Account you have.
International Debit Cards: Sometimes your bank may offer a free Debit Card that is valid abroad.
Automated bill payments: If given standing instructions, banks these days can clear bills on your behalf – those related to Credit Cards, utilities (electricity, mobile etc.), insurance premiums, and others.
So, when you’re getting a Savings Account, ensure it offers you all these features and more. And make the most use of them to have a safe, convenient and delightful banking experience.
Click here to know more about the different HDFC Bank Savings Account.
With HDFC Bank InstaAccount open a Savings Account instantly in a few simple steps. It comes pre-enabled with HDFC Bank NetBanking & MobileBanking and you can enjoy Cardless Cash withdrawals. Click here to get started!
Want to save to spend? Read more on how a Savings Account can help you.
The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.Open New Account
किसी भी प्रकार की ऑनलाइन बैंक अकाउंट खोलने में मदद चाहिए तो सीधा HDFC Bank का सपोर्ट नंबर पर बात करके जानकारी ले सकते और भी किसी भी प्रकार की जानकारी चाहिए किसी और बैंक के बारे में तो जरूर बताए और इसका इस्तेमाल करे और ज्यादा से ज्यादा फायदा उठाए घर बैठे ऑनलाइन बैंक अकाउंट खोलें |