HDFC Bank — salary account negative balance

Aakash Paran

from Noida, Uttar Pradesh

Address:

PALM SQUARE SECTOR 66,HARYANA, Gurgaon, Haryana, 122018

Hi, i have salary account in hdfc
A/c no-[protected]
Customer id[protected]
1 year back when i was working at that time. After that i changed company & they provided other bank account. Recently i checked my hdfc salary accounts. But my hdfc exsisted old salary account showing -4256 balance.
The bank converts my salary account converted into savings account & charged monthly.. Now its -4256 negative balance. Without my permission how can the bank convert my salary account into savings account? Even they are not intimated verbally... According to rbi guidelines on savings account banks not charge even its negative balance.
I approach branch, but they behaved rudly & refuse to close account.
Plz jutstice to me. -4256 is huge amount to me. What is the solution?
What is the action will take against this bank.

+1 photos

Was this information helpful?

No (0)

Yes (1)

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Oct 10, 2019

HDFC Bank Customer Care's response Dear Customer,

We have checked and confirm that your account status is updated as resigned in our system and you no longer hold a zero balance salary account. Thus the balance required to be maintained is Rs. 10000/-.

The special facilities offered on the Salary Account is pursuant to the arrangement between the employer/company and the Bank. These benefits are extended by virtue of your employment in the organization, on whose request the account is opened with the bank.

In the event of no salary credits in the Salary Account for any continuous three months, the Bank reserves the right to change the status of Salary Account to Savings Regular Account and the Terms & Conditions as applicable to the HDFC Bank Savings Regular Account shall apply to this account from the date of change of status. The Terms & Conditions and features applicable to Savings Regular Account are published on the web site of the Bank.

Please visit for Terms and conditions: https://bit.ly/2JgzzR7

For a Regular Savings Account, the charges for non-maintenance of Average Monthly Balance is available on https://bit.ly/2D62CbT

Kindly write to us at https://bit.ly/2Lzhyn3 mentioning the complete branch address (from below URL) where the closure request was submitted to enable us to check and assist you further. Please mention reference number TT[protected] for us to promptly respond to you via e-mail.

-Nadia
HDFC Bank Customer Assistance

Oct 12, 2019

Updated by Aakash Paran The details of branch are given in the attachement, kindly check
The conditions for transfering salary to saving account was not informed to me while opening as per guidelines of rbi, You cannot deduct charges below zero balance

Oct 17, 2019

Updated by Aakash Paran Kindly update your knowledge, as notified by RBI ON May 6, 2014, its already 5 years ago Notifications has been made
https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=8867&Mode=0