SMAB charges without informing about the change?

Question

I have a salary account in bank and this is my account statement of three months, 

1 smab chgs jul15+stax63.00 513.00 470.09
2 posdec chg/30-08-15/1873/25st3 28.50 441.59
3 smab chgs aug15+stax54.23 441.59 0.00

They are charging me SMAB charges without even informing me, when I went to branch they are not giving me proper answer I also called to customer care but they are also refusing my complaint and not answering me please help me.

and my account balance is zero what i should do I don't want to keep my account in that bank please sir help me 
 

Answer 1

Hi Sweta

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers to provide guidance for resolution of any complain/query in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Generally, the salary accounts are opened in terms of the agreement with the corporate/employer and with a supposedly 'Zero' balance facility. Hence, no average balance charges should get levied on salary accounts, unless the monthly salary is not getting credited continuously for a period of 3 months.  If you still continue to work with the same employer, who opened the salary account for you and salary is regularly getting credit every month, the bank is wrong in levying the charges.  If salary is not getting credited into your account every month, then charges would get levied, assuming that the bank would have treated it as a normal savings account.  You should also be checking the bank account arrangements with your HR / Finance Dept, who should also take it up with the bank for reversal of the charges.  In the absence of response from the home branch of your bank, you may approach the management and BO, as per the appended process.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

RAJA