Apr 13, 2007 06:53 PM
2411 Views
(Updated Aug 10, 2007 02:19 PM)
I have my salary account at HDFC Bank since last 6 and half years. Till now I had small problems with them but nothing serious as such .
Since last 2-3 months I noticed that my account is being charged for some obvious services like availing email notifications for all bank transactions.
Recently when I applied for a statement of account, they issued me one very happily but charged me 100 Rs. silently:)
When I called customer service, they were very reluctant to provide any reasoning why I am being charged 100 Rs for issuing a simple account statement, which is nothing but a simple print out some ready made data from software. All I could hear from them was "Its a rule. We charge you 100 Rs.".
Then the lady attending my query guided me to a page on their website, which reads out a lot of other charges.
I found these issues problematic:
1. **Customer is being charged 100 Rs for issuing a a/c statement.
25 Rs. per quarter for getting alerts through email.
Charge of 5 Rs.(!) per leaf of charge:( This is too much *
When you issue a cheque to someone, from net banking all you can see is cheque number and amount. It DOES NOT show the beneficiary name.If you want to know that, you are supposed to go to their branch and give a written application. Then they can tell u the beneficiary name. And more ever you will be charged 25 Rs. every instance.
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I am not listing other issues of payment for services here as the list is too long.
Finally I would like to tell my understanding, bank is the place where u can put your money for any time as you wish and its guaranteed that the money / balance will not leak:) But I am not sure, if I keep my money at HDFC, if it can remain safe.
I dont know if they are earning their profits by charging people with such charges or from interest for loans / deposits game.
A big NO NO to HDFC Bank!
An Update: Please visit this URL for the charges for a standard Savings Account with HDFC Bank: https://hdfcbank.com/personal/accounts/regular_acc_fees.htm
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