Opening
of a bank account is easy with HCBL.
Every person who is desirous to open a bank account with any of the
branches of HCBL will have to produce the following documents:-
Address Proof: To open a bank account in general accounting
system of the bank, individual needs to produce a valid address proof. In this documents name of the person should
be endorsed. In case the person is minor
or major, his name must be in the documentary proof required as address
proof. This can be the ration card,
voter ID or the certificate issued by any official department.
HCBL also accepts address proof provided by
the ombudsman of concerned village on letter head with signature and seal. In case of urban resident, if he/she is
serving anywhere, a letter from the employer on letter head reflecting the
local and permanent address is sufficient as address proof. In case the person is an ex-service man, the
photocopy of his discharge book showing the permanent address must be produced
in support of address proof. Some more
address proves are also acceptable by HCBL.
The documentary
requirement to open bank account with
HCBL also needs some photo identity proof.
Photo identity proof: This is another mandatory requirement to open a bank
account. Photo identity can be
established through, driving license, voter card, PAN card, ex-service man
identity card, ration card, AADHAR card and any other card issued by the official
machinery. Letter issued by the employer
of private sector is also acceptable having the photo graph of the
individual.
Though, voter card and PAN
card also establish the address proof but these documents mainly accepted as
photo identity proof. In some cases,
Canteen Smart Card is also accepted as photo identity proof, ECHS medical cards
issued to the ex-servicemen, in case of old ex-servicemen, discharge book or
pension certificate can also serve the purpose.
Importance of driving
license:
Driving license is one of the most important portions of the documentary
evidences deposited with the bank. With
the help of DL, address of the customer can also be ascertained. But, just to cross check the authenticity of
the address, separate address proof is asked apart from the driving
license. According to the circumstances,
some relaxation is also provided in submission of the necessary documents. Though, these documents are mandatory
requirement and individual must submit them to the bank. In case of loan,
without submission of all the required documents, processing cannot be
initiated. Though, no processing fee has
been fixed for granting any type of loan.
Amount: Minimum amount for opening of a bank account
is Rs. 1000.00. At any case, the account
holder has to maintain the minimum balance in his/her account. If the same amount is withdrawn through the
ATM card, some charges are levied on the customer but in HCBL no such charges
are forced on the customer. Individual
has the right to deposit or withdraw the amount of his/her requirement at any
time.