IOB Appreciation Post

[Hope]

Not opting for chequebook has any advantage?

Less MAB on regular savings account.

 

[akiratoriyama]

So, is it safe to say that we might get the rupay select debit card for 527 (177 for visa classic & 350 for upgrade) for first year if we go via upgrade method?

I wasn't charged anything for visa classic. They said it was included in sb max for free.

 

[akiratoriyama]

Which IOB ATMs are outside the branch premises in Mumbai and remains accessible 24*7?

Theyre usually down for mantainence even during working hours.

 

[akiratoriyama]

No AMC on it ?

AMC is there but Idk kitna kaatenge next year.

 

[CRN]

I wasn't charged anything for visa classic. They said it was included in sb max for free.

Yeah, it is not charged for sb max but I was mentioning for general saving account.

 

[HumorSimpson]

Yeah, it is not charged for sb max but I was mentioning for general saving account.

https://www.iob.in/SB-MAX

says

Debit Card Annual Maintenance Charge

As per Applicable Charges

but is it free ?

 

[CRN]

https://www.iob.in/SB-MAX

says

Debit Card Annual Maintenance Charge

As per Applicable Charges

but is it free ?

People who own this account haven't been charged so far, though need to confirm from the branch. Like @akiratoriyama mentioned he's not been charged so far.

 

[akiratoriyama]

People who own this account haven't been charged so far, though need to confirm from the branch. Like @akiratoriyama mentioned he's not been charged so far.

Branch people are mostly less than useless. Typical govt employees. Better to email their nodal/customer care. They have some info atleast.

 

[Ram1]

Guys open just regular account without chequebook.
Mab will be 100/200 only. Turn off sms alerts while opening account.
This will be economical account.

Trick for rsdc, while opening account itself, get default dc with fee 200 i guess,
Then place upgrade to rsdc request in app/netbanking, upgrade fee is only 350.
Overall 500 change joining fee altogether

 

[Bhokaal]

Is the iob connect app not working ? I was trying to upgrade the card and it goes till otp and mpin screen, I put wrong mpin once and it gave the error but after that the proceed button is not doing anything at all.
Anyone facing similar issue?

 

[Ram1]

Is the iob connect app not working ? I was trying to upgrade the card and it goes till otp and mpin screen, I put wrong mpin once and it gave the error but after that the proceed button is not doing anything at all.
Anyone facing similar issue?

Try netbanking once

 

[HumorSimpson]

Guys open just regular account without chequebook.
Mab will be 100/200 only. Turn off sms alerts while opening account.
This will be economical account.

Trick for rsdc, while opening account itself, get default dc with fee 200 i guess,
Then place upgrade to rsdc request in app/netbanking, upgrade fee is only 350.
Overall 500 change joining fee altogether

This is not for just rsdc. But for inward remittances in lakhs. Would not it be a problem If I don't get sms alerts?
Also what are the charges for sms for normal account?

Also

 

[Ram1]

This is not for just rsdc. But for inward remittances in lakhs. Would not it be a problem If I don't get sms alerts?
Also what are the charges for sms for normal account?

Also

15 per quarter i guess

 

[HumorSimpson]

15 per quarter i guess

Which account is the basic variant that you are referring

Savings Bank Accounts | Secure Your Savings with IOB | IOB

Open a Savings Bank account with Indian Overseas Bank for secure and convenient banking. Start saving for a brighter future today!

www.iob.in

 

[Ram1]

Which account is the basic variant that you are referring

Savings Bank Accounts | Secure Your Savings with IOB | IOB

Open a Savings Bank account with Indian Overseas Bank for secure and convenient banking. Start saving for a brighter future today!

www.iob.in

Regular Savings Account | Savings Account | IOB

Take the first step towards smarter saving with IOB Regular Savings Account. Enjoy attractive interest rates, convenient features, and more.

www.iob.in

This. Can be opened online

 

[HumorSimpson]

Regular Savings Account | Savings Account | IOB

Take the first step towards smarter saving with IOB Regular Savings Account. Enjoy attractive interest rates, convenient features, and more.

www.iob.in

This. Can be opened online

Everything vkyc ? If I have to tie to a branch what should I do ?

 

[Ram1]

Everything vkyc ? If I have to tie to a branch what should I do ?

Yes everything online. From account opening to dc application.
Choose ur nearest branch while opening

 

[HumorSimpson]

Yes everything online. From account opening to dc application.
Choose ur nearest branch while opening

sorry for asking again.
neft/imps charges for basic account ?

 

[Ram1]

sorry for asking again.
neft/imps charges for basic account ?

Its ok bro, u can ask any no of queries,glad to answer if i know
No savings account charges for neft.

Sending full screenshot 1min

 

[Ram1]

Its ok bro, u can ask any no of queries,glad to answer if i know
No savings account charges for neft.

Sending full screenshot 1min

https://www.iob.in/upload/CEDocuments/Revision_of_Service_Charges_wef_01042023.pdf

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