Best 0 balance account for transactions upto 10 lakhs?

[harshn]

What is the best 0 balance account for transactions upto 10 lakhs? Pls tell except SBI , Kotak (due to personal reasons and i already have accounts in those).
I want to recieve money upto 10 lakhs from my LIC policy and some mutual funds , stocks 3 lakhs . But my annual income is less than 2 lakhs.
But want a 0 balance account , AU , IndusInd Delight were in my radar but i can see a lot of people here as well as in YouTube comments telling that indusind online opened account getting freeze. So i m more confused.
My priorities :
0 balance account
No unnecessary charges for SMS Alert, IMPS etc
Account should not get freeze

I already have SBI, kotak 811 both r fulfilling my criteria but due to some reason i want to open different account. So pls help me with this. Also pls tell ur review of AU sfb online 0 balance account , IndusInd Delight getting freeze.
Also tell about 0 balance accounts of CANARA , PNB ,BOB if u know.
Thanx in advance

 

[athul]

I opened an AU 0 balance account as my secondary a few months ago. Good experience so far. No fuss account opening process and a rupay debit card.

 

[doraemon]

Open in au
They are great
Have not seen a thread of freeze yet


U can debit credit lakhs without any issue.
They don't budge generally unless one is involved in some cyber issue

 

[harshn]

I opened an AU 0 balance account as my secondary a few months ago. Good experience so far. No fuss account opening process and a rupay debit card.

How much Max amount have u deposited in a single transaction ? And how much Max money u kept in that account ?
I'm asking bcz i want to credit high amount. Pls reply

 

[athul]

How much Max amount have u deposited in a single transaction ? And how much Max money u kept in that account ?
I'm asking bcz i want to credit high amount. Pls reply

50k. I've been using this account mainly for day to day transactions.

 

[harshn]

Open in au
They are great
Have not seen a thread of freeze yet


U can debit credit lakhs without any issue.
They don't budge generally unless one is involved in some cyber issue

@doraemon
1. About AU SFB , How much Max amount have u deposited in a single transaction ? And how much Max money u kept in that account ? Pls tell bro

2. Also is it true that if we open BOB LITE account(online as offline they r denying) branch will not entertain even in things like cash deposit ?

 

[doraemon]

@doraemon
1. About AU SFB , How much Max amount have u deposited in a single transaction ? And how much Max money u kept in that account ? Pls tell bro

2. Also is it true that if we open BOB LITE account(online as offline they r denying) branch will not entertain even in things like cash deposit ?

In au max I deposited wae 19lakhs

Who told u bob lite not opening in offline
I opened in offline through tab

And even if u open online u will get all facilities just like offline one

 

[harshn]

In au max I deposited wae 19lakhs

AU does not freezes accounts just like Indusind or IDFC ? Actually I will get NEFT of around 2-5 lakhs 4-5 times , so asking , what about the same question about freeze for BOB LITE account ?

Who told u bob lite not opening in offline
I opened in offline through tab

And even if u open online u will get all facilities just like offline one

Khadoos branch vale saying that koi zero balance account nhi hai and account online khola hai toh yaha se koi service nhi milegi .


Anyways thanx for ur valuable information

 

[varun__goel_]

AU does not freezes accounts just like Indusind or IDFC ? Actually I will get NEFT of around 2-5 lakhs 4-5 times , so asking , what about the same question about freeze for BOB LITE account ?



Khadoos branch vale saying that koi zero balance account nhi hai and account online khola hai toh yaha se koi service nhi milegi .


Anyways thanx for ur valuable information

Just go with AU SFB buddy if you want 0 bal account
They don't freeze for unnecessary reasons.

If you can do 1L IF, then you can get icici privilege account.

 

[wuodland]

personally been using Kotak 811 0balance account as a "checking" account of sorts. Service is ok. However due to irregularities in IT infra, RBI stopped them onboarding new clients. For now.

 

[cardy]

AU does not freezes accounts just like Indusind or IDFC ? Actually I will get NEFT of around 2-5 lakhs 4-5 times , so asking , what about the same question about freeze for BOB LITE account ?



Khadoos branch vale saying that koi zero balance account nhi hai and account online khola hai toh yaha se koi service nhi milegi .


Anyways thanx for ur valuable information

1st tell them that , there is a RBIO thing you know and then ask them. If the answer remains same then simply lodge a complaint using bob website. Wait for a reply if they don't bother, lodge a complaint in RBIO, in 3days you will get private banks service in government bank.

 

[doraemon]

AU does not freezes accounts just like Indusind or IDFC ? Actually I will get NEFT of around 2-5 lakhs 4-5 times , so asking , what about the same question about freeze for BOB LITE account ?



Khadoos branch vale saying that koi zero balance account nhi hai and account online khola hai toh yaha se koi service nhi milegi .


Anyways thanx for ur valuable information

Au u can go for it anytime
Best bank when in come to service
U will not get freeze issues
Have done crores of txn never got a call from bank neither got freezed

Same for bob lite
Branch kaat Rahi hai aapka.
My personal advice
Go again and record them
If they try to hurt/ya drame kare to directly go to bm
And shout and tell him to give in written
Otherwise
Bob ke cms portal PE branch ke khilaf complaint kardo

I assure u bm kya bm ke farishtey bhi tumhare Ghar aake account khol ke jayenge 0 balance mai

 

[cardy]

AU does not freezes accounts just like Indusind or IDFC ? Actually I will get NEFT of around 2-5 lakhs 4-5 times , so asking , what about the same question about freeze for BOB LITE account ?

Go through this post and take informed decision.

Post in thread 'Kotak 811 Digital Account Debit Freeze' https://www.technofino.in/community/threads/kotak-811-digital-account-debit-freeze.13215/post-692550