Help on Dormant Bank account!

Help on Dormant Bank account!

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Deal Cadet
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Dear all , I had opened my salary ac with Oriental Bank of India in 2013 and lastly I remembered used around 2015 . When i checked calling customer care my ac is dormant and having -500 ( negative) balance so far. so my question is if I don’t go to Home branch to close my account . then it will purely dormant and I don’t have to pay any money later ?

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Entertainer
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Go to Bank Manager. Tell him that you are unable to operate bank account regularly so close it. If he asks to regularize it first then request him to waive off those dormant account penalty. See what solution manager provides.

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saucap wrote:

Go to Bank Manager. Tell him that you are unable to operate bank account regularly so close it. If he asks to regularize it first then request him to waive off those dormant account penalty. See what solution manager provides.

Bhai muje toh lagrhahy bolega penalty bharo . Pakka pay karna padega .ISSE acha na javu .

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Deal Lieutenant
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No. Penalty…you can close it

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Deal Lieutenant
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iamshashikant wrote:

Bhai muje toh lagrhahy bolega penalty bharo . Pakka pay karna padega .ISSE acha na javu .

Acha sab kuch pata hey toh thread create karkey q puch rahey ho?

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iamshashikant wrote:

Bhai muje toh lagrhahy bolega penalty bharo . Pakka pay karna padega .ISSE acha na javu .

Bank managers have a right to waive off these charges depending upon customer relations. Provide local references.

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Simbha3 wrote:

Acha sab kuch pata hey toh thread create karkey q puch rahey ho?

Are dada . Muje exactly pata thodi hay

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iamshashikant wrote:

Are dada . Muje exactly pata thodi hay

Tm toh bol rahey ho “pakka pay karna parega?”
Bdw what charges bank charged you nd made it -500?

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Simbha3 wrote:

Tm toh bol rahey ho “pakka pay karna parega?”
Bdw what charges bank charged you made it -500?

MAB

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Bank can waive off fee . Approach the branch only . Can not be done online .

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Deal Subedar
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mine Kotak bank account now asking <2000 penalty as salary is not crediting in that account
visited a nearest branch and told the lady to close the account ,she asked me to wait and then replied sir plz come with a cancelled cheque of other bank then only will close the account . ajeeb drame h kotak walo ke

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Guy_Next_Door wrote:

Thanks for information. Do you have Idea whom to approach for resolution?

give a written request to the branch manager for closure of account and also give reference to rbi guidelines.
if he does not respond, you can always take up with the banking ombudsman

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hackerboys wrote:

mine Kotak bank account now asking <2000 penalty as salary is not crediting in that account
visited a nearest branch and told the lady to close the account ,she asked me to wait and then replied sir plz come with a cancelled cheque of other bank then only will close the account . ajeeb drame h kotak walo ke

they do not have the right to ask for other bank cheque.
withdraw all balance and submit request in writing to close the account

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Deal Subedar
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panchabhut wrote:

they do not have the right to ask for other bank cheque.
withdraw all balance and submit request in writing to close the account

one more thing , after closing my account will i be able to Open Kotak 811 account . bcoz that lady said that u will not be able to open kotak 811 ( due to same adhar card )
any ideas ??

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hackerboys wrote:

one more thing , after closing my account will i be able to Open Kotak 811 account . bcoz that lady said that u will not be able to open kotak 811 ( due to same adhar card )
any ideas ??

You can’t open if you already have another acc.

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arunrush680 wrote:

You can’t open if you already have another acc.

no i meant to say even after account gets closed i will not be able to use .. coz adhar number will be saved in their database . pensive is this true ?

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hackerboys wrote:

no i meant to say even after account gets closed i will not be able to use .. coz adhar number will be saved in their database . pensive is this true ?

Yeah, I closed rbl Sb acc in 2017 but still not able to open their online acc.

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hackerboys wrote:

one more thing , after closing my account will i be able to Open Kotak 811 account . bcoz that lady said that u will not be able to open kotak 811 ( due to same adhar card )
any ideas ??

dont close. downgrade to SOLO account. its same as 811 with branch banking features.

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pentiumd wrote:

dont close. downgrade to SOLO account. its same as 811 with branch banking features.

wow this is something which nobody told me , i will surely do this , but i doubt which features would not be available to use

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