Thanks, actually saw the schedule of charges, actually in other banks debit card charges vary according to account variant, there is no clarity on debit card charges on fed excel account, hence I have asked. Thanks you have answered most of my queries. My sole purpose of opening a fed excel account, is to get their credit card, I have tried multiple times, it keeps getting declined. Although I am myself not in favour of opening an account just for credit card, but being a credit card enthusiastic and just to complete collection from all top banks, need this one.