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About Jammu and Kashmir Bank Savings Account
The types of savings accounts in Jammu & Kashmir Bank are –
Deluxe Savings Account
This is a premium savings account offered to consumers who are looking for a variety of features as well as benefits under a single blanket. The different benefits offered under Deluxe savings account are -
This savings account can be opened by individuals either for sole ownership or as a joint savings account. Parents or guardians can open this account on behalf of minors, literate minors who are 10 years and above and can sign themselves. It can also be opened by organizations, entities, etc.
For opening this account, the following documents are required –
General Savings Account
This is a regular savings account offered by Jammu & Kashmir Bank with simple features. It is intended to meet the day-to-day banking requirements of individuals. Here are some of the benefits offered -
General Small Account
This account is specifically designed to cater to the needs of the lower strata of society. It has very simple features and limited balance requirements. Some of the features include -
This savings account can be opened by individuals including pensioners either for sole ownership or as a joint savings account. The Jammu & Kashmir Bank also allows any literate minors above the age of 10 years who can sign themselves to open this account.
Deluxe Salary Account
Jammu & Kashmir Bank offers Deluxe Salary account that is specifically designed to meet the savings bank account requirements of businesses and corporations. It has some unique features and benefits that are beneficial for salaried employees. Following are the special characteristics of this account -
This account is available for employees of central government or state governments, independent bodies, public sector undertakings, and any recognized private institutions.
Following set of documents need to be furnished while applying for this account –
Students Savings Bank Account
This account is specially designed to offer basic banking facilities to students, especially those who are availing scholarships from government-sponsored programs. Following are the basic features of this account -
Any student studying at a recognized institution established in India can apply for this savings account.
Following documents are required to be submitted to the bank for opening this savings account
Jammu and Kashmir Bank offers savings accounts to consumers with features that help in growing their capital and to cater to the unique needs and requirements of consumers.
1. Can I apply for Jammu & Kashmir Bank savings account online?
Yes. The bank offers an online facility for the application of a savings account. The process is very simple and user-friendly to follow. As long as the applicant can correctly fill in the application form and other details, the process of application can be very smooth. The applicant needs to furnish the appropriate set of documents and a bank executive gets in touch for further account opening process.
2. What is the prevailing interest rate offered by the Jammu & Kashmir Bank savings account?
At present, an interest rate of 4% per annum is offered by the savings account of Jammu & Kashmir Bank. This is compounded quarterly and is calculated on the end-of-day balance basis.
3. Are there any charges for cross-currency transactions made using the debit card?
Yes. The bank applies a cross-currency mark-up which is fixed at 3.5%. It is applicable on all foreign currency transactions that are made using the debit card.
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