Verified Bank Tariff
City Union Bank Limited Charges & Fees
- Charges verified
- 7
- 7 checked rules · 5 fee categories · 3 account variants
Complete official Schedule of Charges for City Union Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
City Union Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGS
Top rate · from ₹0
Mid vs 22 banks
- IMPS
Top rate · from ₹2.50
Mid vs 20 banks
- NEFT
Top rate · from ₹0
Mid vs 30 banks
- Minimum balance
Top rate · from ₹0
Mid vs 11 banks
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for City Union Bank Limited
Debit card charges1 checked entry
Basic Savings Bank Deposit Account (BSBD) · Other
₹0 (Free)
Trigger Condition
City Union Bank Basic Savings Bank Deposit (BSBD) account only. ATM card or ATM-cum-Debit card is provided on request; the current service-charge schedule says no annual fee is levied at issuance or renewal. This zero rule is not generalized to ordinary savings debit cards.
Verified on 2026-08-15 · Effective: 2026-04-01
IMPS charges1 checked entry
Retail Banking Service Charges · Net banking
Up to Rs 1,000: ₹2.50 · Above Rs 1,000 and up to Rs 25,000: ₹5.00 · Above Rs 25,000 and up to Rs 5 lakh: ₹15.00
Trigger Condition
City Union Bank IMPS online transaction charge table.
Verified on 2026-08-15 · Effective: 2026-04-01
Minimum balance charges1 checked entry
Savings Account — Debit Card Variant · General
Up to Rs 4,000: ₹100.00 · Above Rs 4,000 and up to Rs 6,000: ₹75.00 · Above Rs 6,000 and below Rs 7,500: ₹50.00 · Rs 7,500 and above: ₹0.00
Trigger Condition
City Union Bank Savings Account where a debit card has been issued. Required monthly average balance: Rs 7,500. Exempt categories listed by the bank are not flattened into this base rule.
Verified on 2026-08-15 · Effective: 2026-04-01
NEFT charges2 checked entries
Retail Banking Service Charges · Branch
Up to Rs 10,000: ₹1.50 · Above Rs 10,000 and up to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh and up to Rs 5 lakh: ₹14.00 · Above Rs 5 lakh: ₹24.00
Trigger Condition
City Union Bank service-charge table; NEFT initiated through branch. Online NEFT is stored separately as zero charge.
Verified on 2026-08-15 · Effective: 2026-04-01
Retail Banking Service Charges · Net banking
₹0 (Free)
Trigger Condition
City Union Bank NEFT through online channel; the current service-charge table shows Nil across listed NEFT amount slabs.
Verified on 2026-08-15 · Effective: 2026-04-01
RTGS charges2 checked entries
Retail Banking Service Charges · Branch
Above Rs 2 lakh and up to Rs 5 lakh: ₹24.00 · Above Rs 5 lakh: ₹49.00
Trigger Condition
City Union Bank service-charge table; RTGS initiated through branch. Online RTGS is stored separately as zero charge.
Verified on 2026-08-15 · Effective: 2026-04-01
Retail Banking Service Charges · Net banking
₹0 (Free)
Trigger Condition
City Union Bank RTGS through online channel; the current service-charge table shows Nil for the listed RTGS amount slabs.
Verified on 2026-08-15 · Effective: 2026-04-01
What City Union Bank Limited prints on your statementStatement narrations · 5 decoded
5 narrations decoded against City Union Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
IMPS CHGA charge on an IMPS instant transfer.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Annual Account Leakage AuditHow much is City Union Bank Limited quietly deducting every year?
How much is City Union Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official City Union Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at City Union Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email City Union Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to City Union Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (City Union Bank Limited)4 questions
What is the minimum balance (AMB) requirement in City Union Bank Limited?
In City Union Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for City Union Bank Limited?
Annual debit card charges at City Union Bank Limited depend on the issued card variant (Classic, Platinum, Millennia, or Signature) plus 18% GST. Customers can also request basic RuPay Classic cards which feature nil or minimal AMC under RBI financial inclusion norms.
Can City Union Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), City Union Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by City Union Bank Limited?
To dispute a wrongful deduction at City Union Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to City Union Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).