• J&K Bank Premium Savings Bank Account Scheme
  • Average Monthly Balance (AMB)
    Rs.1,00,000.00 (Rupees One Lac)
  • AMB Non-Maintenance Charges Per Month : Rs.10.00 per Rs.1000.00 or part thereof of the shortfall in AMB plus applicable GST.

 

  • Cash Withdrawal at B/U
  • 5 Withdrawals Per Month: Free.
  • Thereafter Rs.20.00 shall be charged per Cash Withdrawal.

 

  • Cash Deposit Charges
    • Base Business Unit : Nil
    • (Non-Base Business Unit): Up to Rs.2.00 lacs / Day: Free.
  • Thereafter normal service charges shall be recovered.'

 

  • Debit Card Issuance Charges(Gold Debit Card)
  • Gold Debit Card                                 
    • First Instant / Personalized Card:        Free
    • Rs.150.00 plus GST for Duplicate Card Issuance.

 

  • Gold Debit Card  Annual / Renewal Fee  :               NIL

 

  • Daily Gold Debit Card transaction limits:      
    1. Cash Withdrawal:  Rs.75,000/- (Rupees Seventy Five Thousand) per day.
    2. POS / Merchant Usage: Rs.1,50,000/- (Rupees One Lac Fifty Thousand) per day.                  

 

  • Gold Debit Card Usage Charges
  • 15 Transactions / Month:         Free (ON-US usage)
  • 5 Transactions / Month:           Free (OFF-US usage)
  • Thereafter normal service charges shall be recovered.

 

  • Credit Card
    • Platinum Credit Card with limit up to Rs.3,00,000/- (Rupees Three Lacs) subject to eligibility.
    • Credit Card Issuance Charges : Nil 

 

  • Locker Rent
  • 50% Rebate on rent of One Small Size Locker for the FIRST YEAR only.
    (Subject to availability of Lockers).

 

  • Remittances through RTGS / NEFT:     FREE

 

  • Cheque Book         :                            200 leaves per annum: Free.
    Thereafter normal service charges shall be recovered.

 

  • Demand Drafts:                                 For amounts up to Rs.30 Lacs per month: Free
    Thereafter normal service charges shall be recovered.

 

  • Payment Orders:                               25  Payment Orders per annum: Free
    Thereafter normal service charges shall be recovered.

 

  • Cheque Collection:                                     Commission /Charges : Nil
    (Postal charges to be recovered)

 

  • SMS / Email Alerts:                                     SMS Alerts: Free
    Combined Monthly Statement of Account through Email: Free

 

  • Insurance Cover:                                          Free Accidental Insurance Cover of Rs.5.00 Lacs (Rupees Five Lacs only).