PNB SmartRoamer for CBS customers

PNB Vaibhav – Current Account for CBS customers

PNB Gaurav – Current Account for CBS customers

Current Accounts can be opened by individuals, partnership firms, private and public limited companies, HUFs/specified associates, societies, trusts, etc.

	As required by law, while opening this account, we will satisfy ourselves about the identity, including verification of address, of a person/s seeking to open an account, to assist in protecting the prospective customer/s, members of the public and ourselves against fraud and other misuses of the banking system.*
	The Bank is required to obtain two recent photographs of the person/s opening/operating the account, as per RBI directives.
	The Bank is required to obtain Permanent Account Number (PAN) or General Index Register (GIR) Number or alternatively obtain declaration in Form No.60 or 61 as per the Income Tax Act (vide Section 139A) from the person/s opening the account (i.e. including partners of Registered/Unregistered partnership as also Registered/Incorporated bodies/companies).
	The Bank will provide to prospective customers, details of the documents required for identification of the person/s opening the account in addition to a satisfactory introduction. Documents normally accepted are the Current gas/telephone/electricity bill or ration card or voter's identity card or driving license or passport, etc.* Minimum balance as stipulated from time to time will be required to be maintained.

* Normally, no interest is paid on credit balances kept in current account.However, subject to conditions, as applicable in our current scheme 'PNB Smart Roamer' interest is paid on the funds swept out of the current A/C for placement as Term Deposits.

* Service charges are levied for:

	Ledger folio used
	Cheque books issued
	Non-maintenance of minimum balance
	Return of cheques, etc.

* For opening special types of current accounts like for Executors, Administrators, Trustees, Liquidators etc., the Branch Manager may be contacted who will help in opening these type of accounts.

* As per RBI directive, the applicant (i.e. account opener) should declare in the account opening form or separately, that he is not enjoying any credit facility with any Bank and if he does enjoy any facility/facilities, he should declare full particulars thereof, indicating the name of the Bank and name of the branch, wherefrom he has availed these facilities etc.

* No limit on number of transactions in the account.

* Minimum Balance/QAB to be maintained is as under:

* Incidental Charges: Operative Accounts at Non CBS Branches (Current Accounts) for non maintenance of Minimum Balance