Punjab National Bank is such a bank whose branches are not in cities and towns but mostly available in village areas. If there is any bank point closest to the public, it is Punjab National Bank. So for this mostly scholarships and pensions like other governments schemes related accounts open in Punjab National Bank. The good news is Punjab National Bank has started providing facilities for an online opening of a bank account. Yes, now you can open a bank account from your home in Punjab National Bank online that too with full KYC.
Kindly ensure the following are handy before you commence ONLINE JOURNEY to open SB account with video KYC-
- Internet Access
- Mobile number with access to its mobile set for OTP verification.
- Email id.
- Aadhaar number with access to mobile number or email seeded with it for OTP verification.
- Pan Card original.
- White paper with blue/black pen for signature.
- Proof of professional activity (if applicable) for uploading.
[Select the product→Identity check→Personal details→Video KYC→All done]
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| image from pnbindia.in |
Now here I describe all procedure of PNB account opening online step by step
- To open an online account on PNB, you have to visit PNB official website www.pnbindia.in
- See a menu bar on the right side and choose the online services of the menu bar, then click on “Saving Account with video KYC”.
- Open a new tab and go to “Customer onboarding Platform”, where you choose to Apply for Savings Account.
- Now you see two types of accounts are here-- a) Unnati Saving Account b) Power Saving Account. Choose any one of them and tick I Agree on the consent form and then proceed.
- If it wants location permission, then allow it and proceed with your mobile number, email and agree for verification. Submit OTP from your given mobile number.
- Submit PAN, Aadhaar number and submit your consent to proceed with ID proof.
- Submit OTP from your mobile number that linked to the Aadhar number to complete verification.
- Your Basic details gathered from your Aadhar number. [Address, date of birth]
- Select your communication details-- Yes, for same as your eKYC and No, for different communication address and submit all details.
- Submit other personal details-- Married status, Parents name, Religion, Category, Occupation details, Income etc and submit nominee details [if you choose].
- Branch selection-- Submit your preferable branch address and select digital services that you need. [
- Submit your consent and declaration. Please read all terms correctly and select your KYC option and submit.
- a) OTP base instant eKYC account.
- b) Video base full eKYC account within 12 working hours.
- The Preview Application of bank account in your front and read all points correctly then tick on Agree and Declaration and submit an application.
- After all this your account will be created and display on your front, you have to wait for few times.
- If you face any error then visit the Customer onboarding platform page and click on “Resume Your Application”. Submit your given mobile number and email and you will go to your last page where an error has seen.
PNB UNNATI SAVING ACCOUNT
Who can apply- A resident Individuals (either single or joint), Associations, Trust, Hindu Undivided Families (HUFs), Club, Societies, Institutions specially permitted by RBI etc can open Unnati Savings Account.
Highlights of PNB Unnati Saving Account
- There is no need initial deposit but if you wish, you can do it.
- Minimum quarterly average balance (QAB) and charges for not maintaining QAB of Rural, Semi-Urban, Urban, Metropolitan area Rs.500, Rs.1000, Rs.2000, Rs.2000 respectively.
- Documents required for opening the accounts- Account opening form (AOF)
- Identity and Address proof as per KYC norms.
- Related documents in case of Associations, HUF, Clubs, Trust, Society etc.
- If debit transactions exceed 40, charges will be applicable.
- 3rd party cash payments up to a maximum of Rs. 50000/- per day.
- Transfer transactions up to a maximum of Rs.10000/- per day. The third-party cannot withdraw any amount through a withdrawal slip. There is no limit of maximum amount through withdrawal slip at the base branch.
- In case the amount holder visits the branch himself, the withdrawal slip must accompany the Passbook.
- Inter-sol cash Payment to the account holder himself is restricted up to the limit of Rs.500000/-
PNB Power Savings Account
Who can apply- A resident individual women can open the account under the scheme.
A joint account can also be opened under the scheme but the first name should be of women.
It will be the option of the customer whether she wants to avail sweep facility or not with attractive Concession/Freebies in the scheme.
Highlights of PNB Power Savings for women
- Initial Deposit- Rs.500/- in Rural, Rs.1000/- in Semi-Urban and Rs.2000/- in Urban/Metro
- Minimum Quarterly Average Balance (QAB)- Rs.500/- in Rural and Rs.1000/- in others
- Charges for not maintaining QAB- Applicable charges.
- Free Cheque leaves- 50 cheque leaves per year.
- NEFT charges- Free.
- Demand Drafts- Free one draft per month up to Rs.10000/-
- Debit Card- Free Rupay Platinum Debit Card.
- Domestic cash-ATM withdrawal- 50000 per day.
- Issue of Statement- Free and monthly statement receive on email.
- Free Accident death insurance cover- Rs. 2 lac and Rs.5 lac
- Demat account fee- 25% discount open on PNB.
- Sweep facility- Available.
- Passbook, Duplicate Passbook- Available.
- SMS alert charges- Free.
Terms & Conditions
*Insurance claim of Rs.5lac is applicable if
- The Quarter Average Balance in the account during the last calendar quarter remains equal to or more than Rs.25000/-
- Minimum one transaction on POS/E-Com during the last 90days.
- Platinum Debit Card should have been used within 45 days as per extant guidelines.
- If the customer chooses to have a Classic debit card then the personal Accident insurance is restricted to Rs.10 lac.
- If the customer is holding the platinum debit card and has used last 45 days but either of condition 1 & 2 is not fulfilled then the insurance claim will be restricted to Rs.2 lac.
- If Quarterly Average Balance of Minimum Rs.5000/- in the Last Quarter is maintained.
Further additional reward points if the transaction is done through internet baking and mobile banking as compared to other customers.
Rewards for transaction through internet banking
- Reward points 50 first transaction through internet banking System (IBS) one time only.
- Reward points 5 per NEFT transaction (max 20 per day) 100 points per month.
- Reward points 5 per RTGS transaction (max 20 per day) 100 points per month.
- Reward points 5 per IMPS transaction (max 20 per day) 100 points per month.
- Reward points 5 per Bill payment transaction (max 20 per day) 100 points per month.
- Reward points 20 per Govt payment transaction.
- Reward points 10 per IRCTC transaction 50 points per month.
- Reward points 10 per Credit and payment transaction 50 per month.
- Reward points 50 on opening online FD/RD.
Rewards for transaction through mobile banking
- Reward points 50 first transaction through internet banking System (IBS) one time only.
- Reward points 5 per NEFT transaction (max 20 per day) 100 points per month.
- Reward points 5 per RTGS transaction (max 20 per day) 100 points per month.
- Reward points 5 per IMPS transaction (max 20 per day) 100 points per month.
- Reward points 5 per Bill payment transaction (max 20 per day) 100 points per month.
Punjab National Bank Customer Care Number
For Customer that have requested, grievances, need help or complaints related to saving account, they can call the PNB Customer care toll free number 18001802222.
Safety tips for Punjab National Bank Saving Account Holders-
- You should ensure that your account password and PIN is never shared through emails, SMS or on social media.
- Contact the bank immediately if a transaction made without your knowledge.
- Always check your bank statements regularly to keep a check if there are any case of fraudulent activity and to also keep a track of your finance in and out of your account.