We offer this special product for individuals employed in reputed companies among Public/Private sector, Government, software companies etc. You get various concessions for an average daily balance of RS.5000 over the last three months. ELIGIBILITY All individuals including those employed in reputed companies, among Software, Public /Private sector, Govt. MINIMUM BALANCE REQUIREMENT While opening the account, the account can be opened with '0' balance. The account provides certain concessions and in order to be eligible for the concession, average daily balance in the account during the last three months should not be less than Rs.5, 000. SPECIAL FEATURES / CONCESSIONS   ATM cards on day one International Debit Card without charges. Internet banking (E see banking). Monthly account statements over E-mail. SMS alerts for daily transactions. Online Tax payment facility. Transfer of funds through RTGS without charges. Transfer of funds thro' NEFT without charges. Personal Accident insurance covers of Rs. One lakh free of cost. Anywhere Banking in CBS/TBA branches. Utility Bill payment facility – Rent/school fees/college fees/ donations/ IOB credit card bills/utility bills/ Telephone bills Overdraft facility up to one-month salary in case of salary earners. Facility for family Health Insurance – IOB-healthcare Plus ATM usage at any Bank free PAN / TAN facilitation. For any further details please feel free to contact our nearest Branch