Punjab National Bank Account Opening
Posted by Creditkaro
Introduction
Punjab National
Bank (PNB) has designed its savings account in such ways for the customers that
they by opening savings accounts can enjoy a variety of privileges. That is one
of the key reasons behind customers' inclination to open accounts at PNB. Keeping
in mind the comfort of the future, people throughout India tend to open
accounts at Punjab National Bank. The customers can get online banking
facilities as well as free phone and mobile banking facilities with their
accounts at PNB. Customers can start continuing with savings accounts either at
any nearby Punjab National Bank branch offices or through online.
Eligibility to Open Punjab National Bank Savings Account
Punjab National
Bank Account Opening can be made
only after following some instructions. The people willing to open savings
accounts at Punjab National Bank have to fulfill some criteria. Firstly, the
respective applicants should be Indian citizens. Secondly, the applicants' age
should be more than 18 years old. If the people wish to open accounts for their
children then they can open accounts on behalf of their minors and in that
case, the guardians must have to submit all valid necessary documents to the
bank authority. Identity and address proofs are mandatorily included in the
necessary documents that are to be submitted to the bank authority.
Once after bank
completes verification of the documents submitted by the applicants have to
deposit the initial amount of money. The amount will depend on the specific
savings accounts the respective applicants have selected to open.
The simple
steps for opening savings accounts at Punjab National Bank:
Punjab National
Bank Account Opening procedure is
conducive to any common individual. They have to visit nearby PNB branch
offices with the necessary documents for the opening of accounts. Then they
will have to complete filling out the application forms at the 'new account
sections' and submit them to the respective authorities expressing their desire
to open savings accounts. However, the applicants should be sure that they have
submitted their all legitimate documents that have been asked by the bank
authority to complete applicants' KYC documents.
After the applicants
submit the forms at the said counters bank will verify it and on the approval
of applicants' documents the savings account will be opened within three and
five working days.
Documents Required to Open Punjab National Bank Savings
Account
Customers need to
submit all necessary documents while making applications for the new savings
accounts with Punjab National Bank. They need to submit address proofs such as
passports, driving licenses, voters' ID cards, etc, PAN cards, and two
passport-sized recent photographs. If any respective applicant does not have
PAN then only the applicant will have to submit form-16.
Steps to open a
Punjab National Bank Savings account online:
Punjab National
Bank Account Opening can also be
made online. The people who are inclined to open PNB savings accounts online,
have to visit the PNB homepage and click on PNB Link https://www.pnbnet.org.in/OOSA/.
Then they have
to click particular buttons that will help them to open online savings account
without an e-sign facility. Then the applicants will select branches, also
choose types of accounts, and then mention personal details like names, mobile
numbers, and e-mail IDs. Then after marking off checkboxes and declaration
boxes applicants have to enter security keys and click on submit buttons. Immediately
after the submission of their application forms, the applicants will receive a
temporary customer reference number (TCRN) on their mobile phones and e-mails.
Then applicants will have to submit that numbers, application forms again and
mandatory KYC documents for verification. Once the applicants' submissions are
completed and the verification process of applicants' KYC documents is over
then the applicants will be able to open PNB savings accounts online.
The factors customers need to remember before Opening PNB
Savings Account
The people willing to open savings accounts should
do research on some aspects of the accounts to make proper assessments of whether
it suits them. First of all, they should check minimum balance requirements to
maintain savings accounts and try to analyze whether they capacity to maintain
them. Then the applicants should also examine penalty fees for carrying out the
minimum balance as well as the rate of interest over deposits for the specific
savings accounts they have selected to open and continue. The applicants can
evaluate their returns over the deposits, so it will help them to initiate
opening savings accounts at PNB. Then the applicants should confirm the limit
of transactions and withdrawal every day for that specific account. They should
also know about the cash withdrawal limit by using cheques and by using debit
cards against their chosen savings accounts.
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