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BOB Lite Current Account via Offline mode/through branch

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techprince said:
My branch didnt ask for any deposit. I have a Non-Individual Current Account opened a month ago as well as an Individual Current Account opened in March 2025. Any offline transactions, including IP via cheque or cash will get counted towards Ledger Folio. You did a mistake by giving a cheque/cash. Should have done via UPI.





There is no confusion. ADC transactions are not chargeable. Youtube videos are giving false information. Only do UPI and Debit Card transactions and you wont be charged.

Anyways, after ruling out all options, i have opened Freedom Current Account (5000 MAB) in Federal Bank as i outgrew UPI limits quicker than expected and now in need of free NEFT/RTGS. I will be closing the Individual BOB Lite account next year and will keep Non-Individual BOB Lite as backup.
Click to expand...
How is freedom current account in terms of charges ? I am planning to open individual ca in canara with 7500 mab ? Is federal freedom individual ca good ? What documents did u give for federal ca invidividual
 
xxScriptzxx said:
How is freedom current account in terms of charges ? I am planning to open individual ca in canara with 7500 mab ? Is federal freedom individual ca good ? What documents did u give for federal ca invidividual
Click to expand...
Mine is Non-Individual (Proprietor) account. They asked for 2 business proofs, Aadhar, PAN, 1 Photo and Proprietor Stamp. For individual CA, they wont ask for stamp. For 5K MAB, we get Free NEFT/RTGS, free 2L (or 10 times MAB whichever is higher) cash deposit, Visa Fast Biz Silver Debit Card (Rs. 350+GST renewal, waived off on Rs. 1L spends), free 5 Other ATM transactions. Avoid FedCorp registration (Rs. 1500 one time fee) and opt for FedNet Registration instead (free). SMS Alerts are not free (except for mandetory alerts) so dont opt for it while filling the form.
 
Hey, so had I recently opened the account via online mode. I have some queries:-
1. Receiving money from any online mode is free from folio charges?
2. Sending money using upi, pay using debit card/internet banking is free from folio charges?
3. I can't be able to generate virtual dc, it showing an error that the card varient isn't available for my account. Any workaround for this?
Thanks in advance 🙏
@techprince
@tuhin
 
surojitLaha said:
Hey, so had I recently opened the account via online mode. I have some queries:-
1. Receiving money from any online mode is free from folio charges?
2. Sending money using upi, pay using debit card/internet banking is free from folio charges?
3. I can't be able to generate virtual dc, it showing an error that the card varient isn't available for my account. Any workaround for this?
Thanks in advance 🙏
@techprince
@tuhin
Click to expand...
1. Folio charges are only on outgoing branch transactions.
2. See above.
3. Use net banking.
 
What documents do they ask for from individuals in this account? on website I can only see required documents for sole proprietor and other business entities, I was trying to open AU Digital current account but they started doing nautanki for business proof, I'm a freelancer

Edit: I can't open it online as I'm not new to bank customer, I had BOB bro account two years ago but close it after a year
 
Last edited:
Carl Johnson said:
What documents do they ask for from individuals in this account? on website I can only see required documents for sole proprietor and other business entities, I was trying to open AU Digital current account but they started doing nautanki for business proof, I'm a freelancer

Edit: I can't open it online as I'm not new to bank customer, I had BOB bro account two years ago but close it after a year
Click to expand...
Only Aadhar and Pancard
 
Can anyone give a review of this account? I'm about to open it this week and I'm a freelancer mainly dependent on UPI for accepting payment and transferring it to my other savings account, no other use case
 
surojitLaha said:
Hey, so had I recently opened the account via online mode. I have some queries:-
1. Receiving money from any online mode is free from folio charges?
2. Sending money using upi, pay using debit card/internet banking is free from folio charges?
3. I can't be able to generate virtual dc, it showing an error that the card varient isn't available for my account. Any workaround for this?
Thanks in advance 🙏
@techprince
@tuhin
Click to expand...
@Carl Johnson check this
 
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