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The minimum average balance (MAB) of a savings account along with a debit card would be ₹7,500 per month. In case there is no debit card, then the MAB varies from ₹100 to ₹3,000 based on the type of branch. There would be no balance requirement in basic savings accounts.
Key Takeaways
The City Union Bank was incorporated in 1904 as The Kumbakonam Bank. The new service charges are effective from April 1, 2026.
Customers in metro, urban, semi-urban, and rural branches face different rules. The bank ties charges to monthly average balance, not daily balance, so occasional shortfalls do not trigger penalties immediately. Anyone opening a new City Union Bank account, or already holding one, needs to know these numbers to avoid maintenance fees.
The requirement depends on whether you hold a debit card and where your branch sits. You need a ₹7,500 monthly average balance with a debit card. Without one, the amount drops sharply and varies by branch category.
Charges rise as your balance falls further below ₹7,500. For debit card holders, the bank applies a tiered penalty structure every month.
There is an added debit card charge of ₹100 per quarter if the quarterly average balance stays below ₹15,000.
Current account minimum balance depends on the account variant you hold. Start-Up accounts need no minimum balance at all.
Platinum account holders with a balance below ₹2,500 pay a penalty of ₹700 per month, the highest slab on record.
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 are exempt from maintenance charges for the respective quarter. NRI, Young India, and Junior India accounts are also exempt from maintenance charges.
You can check your monthly average balance through three official channels.
*T&C Apply
The bank applies the maintenance charge at the end of the month when the applicable monthly average balance falls below the required level. Charges apply on top of GST, so the actual deduction runs higher than the listed figure.
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 Bank Deposit Accounts, salary savings accounts, Young India accounts, and Junior India accounts are exempt from maintenance charges. Regularly checking your monthly average balance through CUB's available banking channels can help you avoid unexpected maintenance charges.
The minimum monthly average balance (MAB) for a savings account with a debit card is ₹7,500. Lower amounts apply without one, depending on branch category.
Yes, unless your account falls under an exempt category like Basic Savings or salary accounts.
It ranges from ₹0 for Start-Up accounts to ₹1,00,000 for Platinum accounts.
Yes, through the Basic Savings Bank Deposit Account, which needs no minimum balance.
The bank adds daily closing balances across the month and divides by the number of days.
Yes, rural branch customers without a cheque book need only ₹100.
The City Union Bank converts it to a regular savings account after three months without credit.
Senior citizen accounts follow the same savings account rules unless specifically exempted.
Call the 24x7 customer care line at 1800 120 5000 for a balance update.
Yes, all maintenance charges attract GST in addition to the listed amount.
