Recharge
Pay Bills
Fee Collections
Pay Taxes
Net Banking
- Resident Individuals (sole or joint account)
- Hindu Undivided Families.
- Minors above the age of 10 years are eligible to open self operated minor account and an ATM/Debit card can be issued to the Minor.
- Free cash withdrawals over the counter: 30 withdrawals per half year.
- International Debit Card issued with ATM withdrawal limit of Rs 0.40 lac /day
& PoS transaction limit of Rs 1.00 lacs/day. - Free e-banking / m-banking facility.
- Interest is calculated on the daily product basis and compounded quarterly.
- 20 Cheque leaves free per year. (25 Cheque leaves for Senior Citizens).
- Nomination facility available.
- Minimum AMB of Rs. 1000/- for General SB A/C without Cheque Book facility.
- Minimum AMB of Rs. 2000/- for General SB A/C with Cheque Book facility.
Charges for non maintenance of the minimum Average Monthly Balance
- A/Cs without Cheque book (Minimum AMB: Rs. 1000/-)
Rs. 25 plus GST per Rs. 100 of the shortfall or part thereof from Average Monthly Balance Requirement OR Rs. 250/- per month + GST, whichever is lower.
- A/Cs with Cheque Book (Minimum AMB: Rs. 2000/-)
₹ 25 plus GST per ₹100 of the shortfall or part thereof from Average Monthly Balance Requirement OR ₹ 500/- per month + GST, whichever is lower
- Application Form duly filled in.
- Photograph of depositor/s (2 copies)
- Officially Valid Documents as per KYC Norms
- PAN Card or Form 60 or 61
- Any other related document applicable to Minors, etc.
- Who can open a General Savings Account with J&K Bank?
General Savings account can be opened by individuals, either singly or jointly, Parents/ Guardians on behalf of minors, literate minors above 10 years who can sign regularly, and organizations, entities, etc allowed by RBI.
- What is the minimum Average Monthly Balance required to be maintained?
Minimum AMB of Rs. 1000/- for General SB A/C without Cheque Book facility.
Minimum AMB of Rs. 2000/- for General SB A/C with Cheque Book facility.
What are the charges for non maintenance of the minimum Average Monthly Balance
- A/C without Cheque book (Minimum AMB: Rs. 1000/-)
Rs. 25 plus GST per Rs. 100 of the shortfall or part thereof from Average Monthly Balance Requirement OR Rs. 250/- per month + GST, whichever is lower.
- A/Cs with Cheque Book (Minimum AMB: Rs. 2000/-)
₹ 25 plus GST per ₹100 of the shortfall or part thereof from Average Monthly Balance Requirement OR ₹ 500/- per month + GST, whichever is lower
What are the benefits of the General Savings Account?You can avail the following benefits:
- Free cash withdrawals over the counter: 30 withdrawals per half year.
- International Debit Card issued with ATM withdrawal limit of Rs 0.40 lac /day & PoS transaction limit of Rs 1.00 lac/day.
- Free e-banking / m-banking facility.
- 20 Cheque leaves free per year. (25 Cheque leaves for Senior Citizens).