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A savings account is often the first bank account for many as it is very easy to open and operate. It is a safe way to store your hard-earned cash and earn a nominal interest. A savings account is one of the most popular types of bank accounts, despite some of its limitations. There are different kinds of savings accounts for different needs. Banks also offer zero-balance savings accounts for those who want only basic banking facilities like withdrawals and deposits. The no-balance scheme is also to encourage people from all walks of life to open a savings account and to enable them to save and hence, earn a nominal rate of interest.
Benefits of a savings account
Even with the downsides, a savings account is popular with the old and the young, as it provides easy access to money in times of need and inculcates a habit of saving. With the easy banking modes it has on offer, a savings account is a must to have.
About Vijaya Bank Savings Account
A Vijaya Bank savings account provides a host of banking benefits like flexible easy accounts management, along with a competitive interest rate. You can make quick utility bill payments via NetBanking, and enjoy various features in convenience banking with a Vijaya Bank Savings Account.
There are various benefits to having a savings account with Vijaya Bank. Following is an overview.
Below are a few of the different savings accounts available. For the full list of savings accounts options, check the bank website or visit the nearest branch.
V Genuth Savings Bank Account
V Balika Savings Bank Account
Any girl child below the age of 16 years (as on 31st March) under the following categories are eligible to open the account:-
V-Balika Term Deposit Account (VSU Cumulative)
V Platinum Savings Bank Account
Vijaya Saral Savings
V-Basic SB Deposit Account
The minimum balance required in a Vijaya Bank savings account differs with each kind of account. It is advisable to contact the bank directly for details. Following is an overview:
Vijaya Bank savings account offers interest rates of 4%, depending on the daily balance, and the type of account. Do keep in mind that the rates are subject to change at the sole discretion of the bank. It is advisable to check with the Bank for accurate rates.
Different Vijaya Bank savings accounts have a different schedule of charges. It is best to contact the Bank directly for the most up to date charges.
It is simple to open a Vijaya Bank savings account. You can visit your nearest branch and have a customer care representative help you with the forms. You can talk to the representative about your saving needs and open an account accordingly.
Alternatively, you can download the savings account opening form online, fill it and visit your nearest Vijaya Bank Branch.
1. What is the best interest rate on a Vijaya Bank saving account?
The interest rates are currently at 4 %. For the latest interest rates, it is best to contact the nearest branch.
2. Who is eligible to open a Basic Savings Account with Vijaya Bank?
All resident individuals, singly or jointly, minors along with parent or legal guardian, are eligible to open an account.
3. Is it possible to open a Vijaya Bank savings account online?
No. you need to visit your nearest branch to have your account opened.
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