WHAT IS BANK ACCOUNT?
HOW TO OPEN BANK ACCOUNT?
There Have Two Types Of Bank Account
1- SAVING BANK ACCOUNT
2-CURRENT BANK ACCOUNT
Saving bank account is for general peopleThe current bank account is for business people
* Saving a bank account give a limit of transaction.
*# Current bank account give you unlimited transaction according to you.
* In saving account you get interested
*# current account you don't get interested
*ON the saving interest money up to 10,000 you get tax relaxation.
THERE ARE TWO TYPE OF BANK
1. PSU BANK {GOVERNMENT BANK}
2. PRIVATE BANK
IN PSU BANK there has a minimum account balance varies differently in PSU bank
but minimum account balance in a private bank depends on what type of service you are taking.
WHAT SERVICES YOU SHOULD TAKE FROM BANk
1.cheque
2.debit card
3.internet banking
By taking these services you could traction without going to your bank.
In internet banking, you could easily send money through NEFTS AND RTGS.
NEFTS AND RTGS have soma nominal charge
In NEFTS within one hour the bank will transfer your money.
IN RTGS Transaction will be in real-time.
You could transaction up to 5 lakh with NEFTS .it will charge you some money around 25 Rs (it varies with the bank)
You could transaction over 5 lakh with RTGS. IT will charge you around 40 rs. (it also varies with a bank)
There is also the option of UPI transaction which is change is very less but its transaction limit is less.
We Could Also Find
Kids account
Seniors account
Service account
DOCUMENTS NEED IN BANK ACCOUNT OPENING.
1.IDENTITY PROOF
(PASSPORT,ADDHAR,PAN,,VOTER ID )
2. ADDRESS PROOF
(ELECTRIC BILL, TELEPHONE BILL ADDHAR CARD ETC)
YOU also have to fill up the KYC form
You have to sign a specific signature it will be your identity when you withdraw money through cheques.
The next and most importantly
You should fill up nominee details
It is the most important thing.
You also don't share your
DEBITS CARD , PIN AND OTP
WITH ANYONE
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