I passed through following operative savings A/c -
2013 onwards
1. Union Bank of India - Opened for Online fee submission for University - Still working with Rupay Platinum DC
Still first for light Txn ike free IMPS & for investment withdrawal for daily uses in PSU DD educational payments
2. State Bank of India- Open for Scholarship but always scary response from Upi outage & customer support mostly avoid but in long term no use further now.
2016-
3.Bank of Baroda - College Scholarships due to Heavy charges everywhere like sms, Debit cards not used more than 2 years now dormant
2017-
4.Oriental Bank of Commerce - Similar to BOB but physical debit card was free so I used for few Years now after Merger with PNB it going day by day Heavy negative balance not using further now dormant
2018-
5.Paytm Payments Bank- Still First for any outward small upi - 99.99% success rate because of Paytm same n/w uses as regular daily basis - Now Its dead due to RBI
2019-
6.India post Payments Bank- Open for zero balance but due to hectic service charges & customer care never deposit more than 1rs - now dormant
7.Dbs Bank - Best digital Bank of India anywhere u can order their debit cards very good experience after MAB charges applied closed with in a day
8.Paytm current account - Never used due to accessibility now dormant
9.Jio Payments Bank- After paytm this has great upi experience but only restricted to 5k upi per day limit drawback anyhow I used only for 1 year due to kyc norms it closed automatically.
10.NSDL Ziffy ac - First Govt issued Payments Bank was zero balance still it active but with negative balances used for more than years customer service pathetic now it attracts Heavy different charges. - Waiting for Dormant
2020-
11.Icici Salary ac - Best ac ever with whole digital experience everything almost free due to Salary benefits it has after paytm high upi success rate I found even HDFC far away but customer service sometimes very pathetic.
12. Equitas Selfie ac now converted to regular - Best small finance ac but most of time they are always in maintenance mode but upi & zero balance good recently they converted sms service chargeable.
13.Kotak 811 - Kotak fully digital ac but one mistake can make u Heavy penalties charges like cheque book request, physical debit card recently I forgot my netbanking pin it automatically took request for physical delivery that never come with 100+gst . After one of major private Bank Still there offers & rewards is very poor but people happy with virtual debit cards along with upi - Now Started using For Specific Merchant Payment
2021-
14.HDFC regular savings rural - Very good because of their Twitter & email support but if you try to connect with human very disappointed never connect their toll free to person my first experience was very bad with Bank due to digital ac opening my vkyc got rejected due to my & Pan photo mismatch till 1 years I didn't use after year I again visited branch for biometric got Millena debit cards very happy with their rewards rate still paying 590/- no issue feels I can recover it their app & net banking ui is very old sometimes upi inward failures I noticed like sbi over all mixup type review looking for long run as many peoples suggestions somewhere I found Heavy penalties on fd withdrawal I never passed through.
15. Jupiter Federal ac - Due to Jupiter jewels cashback now after multiple t&C changes & mab requires I am not using further hardly used 3 ,4 months now I think automatically closed or dormant.
16. Axis Easy Savings Rural 5k - You can't imagine this axis took 5 times long effort to open due to some technical difficulties my mobile no unable to generate their ac no every time after initial deposit it getting error after 3 weeks effort & Twitter supports it got opened with cheque deposit specially for this I arranged cheque for 16k initial deposit unless they want allow , their credit cards rewards rate very good still people are ready to take challenges of their consolidated charges because axis always all-time high for their charges, even customer support is good including Twitter & sms service I found very long period even your cell phone outage for a day you will get sms but in consolidate charges they will take single penny keep in mind their debit cards ok but charges high .
Now From DEC 2024 Onwards - Getting closed no uses further for Axis .
2024
17. Indus Select A/c - Opened with Legend Card Free A/c initial 50k deposit lots of free txn online no sms txn fee but customer support is worst.
18. Au Digital Saving A/c - Free Zero balance a/c but charges for SMS & Rupay platinum DC now they increased from Rs 177 to 236 & removed Lunge Access from DC almost All bank.
Hope I able to share my experience.
old A/c Data -
https://www.technofino.in/community...u-have-and-for-what-purposes.6543/post-105135
