Know About The Documents Needed To Open A Bank Account With HCBL

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.