City Union Bank Minimum Balance: Charges & Rules

*T&C Apply

Which Accounts are Exempt from the City Union Bank Minimum Balance Rule?

Several account categories carry no minimum balance obligation. The Basic Savings Bank Deposit Account needs zero balance under RBI's financial inclusion mandate. Salary accounts also skip the requirement, though the bank shifts them to a regular savings account if no salary credit happens for three consecutive months. Newly opened accounts, NRI accounts, Young India accounts, and Junior India accounts for minors also stay exempt from monthly maintenance charges.

Read Also: Union Bank RTGS Form: Complete Guide to Fill & Submit

How can you check your City Union Bank Minimum Balance Online?

You can check your monthly average balance through three official channels. 

CUB Net Banking

1. Log in to CUB Net Banking with your user ID and password.
2. Open the account summary or e-statement section.
3. Look for the monthly average balance figure listed against your account.

CUB Mobile Banking App

1. Open the CUB All in One mobile app on your phone.
2. Log in with your registered credentials.
3. Go to statement details to view the same balance figure.

Customer Care

1. Dial the bank’s 24x7 customer care number, 1800 120 5000.
2. Verify your identity through the automated prompts or with an executive.
3. Ask for your current monthly average balance update.

What happens if you repeatedly miss the Minimum Balance?

The bank deducts the maintenance charge directly from your account every calendar month the shortfall continues. There is no grace period once the threshold is breached in that cycle. Charges apply on top of GST, so the actual deduction runs higher than the listed figure.

Conclusion

City Union Bank minimum balance rules reward higher balances with zero maintenance charges. Debit card holders need ₹7,500, while non-debit card holders pay far less depending on branch location. Basic savings, salary, and student accounts stay exempt entirely. Setting up a balance alert through net banking helps you avoid surprise deductions each month.

FAQs

1. What is the City Union Bank minimum balance for a savings account? ₹

7,500 per month if you hold a debit card. Lower amounts apply without one.

2. Does City Union Bank charge a penalty for zero balance? 

Yes, unless your account falls under an exempt category like Basic Savings or salary accounts.

3. What is the minimum balance for a City Union Bank current account? 

It ranges from ₹0 for Start-Up accounts to ₹1,00,000 for Platinum accounts.

4. Can I open a City Union Bank account with zero balance? 

Yes, through the Basic Savings Bank Deposit Account, which needs no minimum balance.

5. How is the monthly average balance calculated at City Union Bank? 

The bank adds daily closing balances across the month and divides by the number of days.

6. Is City Union Bank minimum balance different for rural branches? 

Yes, rural branch customers without a cheque book need only ₹100.

7. What happens if my City Union Bank salary account stops receiving salary credit? 

The City Union Bank converts it to a regular savings account after three months without credit.

8. Are senior citizen accounts exempt from minimum balance charges? 

Senior citizen accounts follow the same savings account rules unless specifically exempted.

9. How can I check my City Union Bank balance without an app? 

Call the 24x7 customer care line at 1800 120 5000 for a balance update.

10. Does GST apply on top of minimum balance charges? 

Yes, all maintenance charges attract GST in addition to the listed amount.