Old HDFC bank account not closed for long time, negative balance?

[CyberPsych]

My wife resigned from her work back in 2017 (CTS). She had HDFC salary account and she didn't close that account nor maintained minimum balance. When she tried to close the account, bank said you have -10,000 (approx) negative balance, pay it to close (I guess they converted salary account to normal account which has charges). Now few questions:

1) Should I really need to pay the negative amount and close the account?
2) If I leave it as is, what consequences I need to face?
3) Now I too have HDFC Salary account and my RM says I can apply for zero balance savings account for my dependents. If I apply for my wife, will her old dormant account come into play and they will ask us to pay the negative balance?

Please share your thoughts..

 

[hender]

My wife resigned from her work back in 2017 (CTS). She had HDFC salary account and she didn't close that account nor maintained minimum balance. When she tried to close the account, bank said you have -10,000 (approx) negative balance, pay it to close (I guess they converted salary account to normal account which has charges). Now few questions:

1) Should I really need to pay the negative amount and close the account?
2) If I leave it as is, what consequences I need to face?
3) Now I too have HDFC Salary account and my RM says I can apply for zero balance savings account for my dependents. If I apply for my wife, will her old dormant account come into play and they will ask us to pay the negative balance?

Please share your thoughts..

Ask your RM, for closure of the old account, may be pay upto some 100 to 200, 300 hundred type is ok as penalty.
Get closure statement/letter,/ No Dues type post that open new account.

 

[praful47]

My wife resigned from her work back in 2017 (CTS). She had HDFC salary account and she didn't close that account nor maintained minimum balance. When she tried to close the account, bank said you have -10,000 (approx) negative balance, pay it to close (I guess they converted salary account to normal account which has charges). Now few questions:

1) Should I really need to pay the negative amount and close the account?
2) If I leave it as is, what consequences I need to face?
3) Now I too have HDFC Salary account and my RM says I can apply for zero balance savings account for my dependents. If I apply for my wife, will her old dormant account come into play and they will ask us to pay the negative balance?

Please share your thoughts..

Bank cannot put your account balance in negative.
There is an RBI guidelines regarding this .
Go to branch and tell them to close the account if they deny , tell them the RBI guidelines and you may complain to RBI .

they will close the account.
After that you can open account for your spouse through RM .