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About Union Bank of India Savings Account
United Bank of India Savings Bank Account
This is a simple savings bank account offering all basic banking features of a savings bank account.
Minimum balance requirements
Pensioners, visually handicap, USP a/c, senior citizens, women operated by self or as guardian for minor, industrial/agricultural labourers, low income families, girl students under National incentive scheme for higher education, accounts opened for financial inclusion.
United Children Savings Account
Minors who have attained the age of 10 can open this account in their name and operate it individually. This encourages the habit of savings amongst children and also educates them about prudent banking.
United Basic Savings Bank Account
This account is designed for low income groups or families in rural and urban areas. This customer segment includes people who are industrial and agricultural labourers and non-pensioner senior citizens who are unlikely to get a savings bank account due to the stipulation of minimum required balance. This account can be opened and operated with NIL minimum balance, thus giving the low income group a savings bank account with the basic banking functionalities.
United Bonanza Savings Scheme
This account combines the liquidity benefits of a savings account with the higher interest advantage of an FD account. This account comes with an in-built arrangement of transferring specified balance over a specific limit into an FD account automatically for the desired period of time as chosen by the customer. FDs can be for a period between 6 months to 1 year as per the customers choice.
How to open a savings bank account with United Bank of India?
The applicant should approach the nearest branch to open an account. In order to open a savings bank account, the applicant must be introduced by an existing SB A/c holder or a Current Account holder, who has held an account with the bank satisfactorily for the past 6 months or more.
Documents required to open an account
Savings bank account holders of United Bank of India are offered various digital services to manage their account.
Mobile/SMS Banking – Customers can register to avail Mobile banking or SMS based banking access to manage their account. Mobile banking can be carried out through the United mBanking App, USSD for SMS based mobile banking & WAP based mobile banking.
Internet Banking/Netbanking – Customers can register for Netbanking facilities for ease and convenience of various banking transactions from the comfort of their home or anywhere in the world. Netbanking allows customers to manage their account instantly 24x7. They are allowed to carry out the following banking transactions through Netbanking -
1. What is United mBank?
United mBank is the mobile banking facility launched by United Bank of India for the convenience of its savings bank account customers. It allows customers to manage their bank account on mobile and perform various banking and payment transactions.
2. What is the minimum balance to open a savings bank account with United Bank of India?
Savings bank accounts can be opened with a minimum balance of Rs.500, for accounts in Metropolitan/Urban/Semi-urban/Rural branches, with cheque book facility. Basic savings bank accounts are also offered with NIL minimum balance requirement. Customers should contact the nearest branch to learn more on the minimum balance requirement for each account.
3. What are the interest rates offered on United Bank of India savings bank accounts?
Savings bank deposits of up to Rs.50 lakhs receive an interest rate of 3.50% p.a and deposits of more than Rs.50 lakhs are given an interest rate of 4%.
4. Is Netbanking services charged?
Using of Netbanking facilities is free of charge. However, there will be charges for the services availed, like NEFT, RTGS, issue of DD, etc.
5. Will there be charges if the balance in the account falls below the minimum required amount?
Yes, in case of non-maintenance of the required minimum balance, there will be a charge of Rs.43 per instance (for both with and without cheque book accounts)
6. What is the information required for NEFT remittances?
In order to carry out a NEFT remittance, the customer shall require the beneficiary name, account number and the name and IFSC code of the beneficiary’s bank branch.
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