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Presented By :-Shubham MaheshwariSudheer Yadav

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The current account product provides a host ofservices like anywhere banking in India alsoanywhere in the world, which enables the customerto operate from any branch, provides for fastercollection of upcountry cheques, Doorstep bankingwhich provides for delivery and pick-up of cash anddocuments, Internet banking which enables online

tracking of the account, execution of transactionsand so on. Multiple variants of current accounts areoffered by banks to suit your specific requirements.

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Multi-location Funds transfer

Anywhere deposit and withdrawal

Mobile banking Electronic Funds Transfer

Corporate Internet Banking

Customer Care

Periodical e-mail statements in multiple formats,including MT940, Multicash, Excel, text, pdf, etc

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Eligibility:

Existing/new customers who maintain the monthly average balance of Rs 2

lac & minimum balance of Rs. 5000/- for one full calendar month. Maximum period of deposit: 90 days

Monthly Average Balance : Rs. 2 Lac. Minimum Balance: Rs 5000/-Facilities Offered: Free Demand Drafts/ Pay Orders up to an aggregate amount of Rs. 2 lac

per month

Free Debit card

Free Bill Pay services available (at selected branches)

If the Minimum balance / Monthly average balance is not maintained penalty

will be charged.

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Eligibility:-1. Metro and Urban Branches - Rs 5 Lac and above is maintained in the

account No Service Charges2. Semi Urban and Rural Branches - Rs 2 Lac and above is maintained in the

account No Service Charges

3. Metro and Urban Branches - More than Rs 2.5 Lac but less than Rs. 5 Lac is

maintained in the account 50% concession on all Service Charges.4. Semi Urban and Rural Branches - More than Rs 1 Lac but less than Rs. 2

Lac is maintained in the account 50% concession on all Service Charges.

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ICICI Bank's Gold Current account gives a wide range offacilities with an MAB of Rs.1,00,000/-.

The following benefits comes with Gold Current Account: Free Collections & Payments through NEFT and RTGS

Free Local Cheque Collection at base location (Intra-city) Free Non-Cash services Free Cash withdrawal at non base branch through Self

cheques up to Rs. 50,000/- per day Free Cash deposits at base branch location up to Rs. 10

lacs per month

Free Internet Banking and Phone Banking Free Cash deposits at non base branch location up to Rs. 1

lac per month

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ICICI Bank's Gold Plus Current account gives a wide range offacilities with an MAB (Monthly Average Balance) of Rs.3,00,000/-.

The following benefits comes with Gold Plus Current Account:

Free Collections & Payments through NEFT and RTGS

Free Local Cheque Collection at base location (Intra-city)

Free Non-Cash services*

Free Cash withdrawal at non base branch through Selfcheques up to Rs. 50,000/- per day

Free Cash deposits at base branch location up to Rs. 30 lacsper month

Free Internet Banking and Phone Banking

Free Cash deposits at non base branch location up to Rs. 3lacs per month

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ICICI Bank's Elite Current account gives you a wide range offacilities with an MAB of Rs. 10,00,000/-. The followingbenefits comes with Elite Current Account :-

Free Non-Cash services*

Free Cash withdrawal at non base branch through Self

cheques up to Rs. 50,000/- per day Free Cash deposit at base branch location up to Rs. 1 crore

per month

Free physical Billing statement

Zero Annual fees for the Debit card

Free mobile alerts, phone banking, corporate internetbanking.

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DENA BANK ICICI BANK

Free Demand Drafts/ Pay

Orders up to Rs. 2 lac per

month. Free Bill Pay services

available at selected branches.

Free Local Cheque Collection

up to 10 cheques in a month.

Free Cash withdrawal at non

base branch through Self

cheques up to Rs. 20,000/- per

day.

Free Demand Drafts/ PayOrders up to Rs. 3 lac permonth.

Free Bill Pay servicesavailable at all branches.

Free Local Cheque Collectionat base location.

Free Cash withdrawal at nonbase branch through Selfcheques up to Rs. 50,000/- perday.

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Thus Current Account of DENA Bank and ICICIBank is mainly for business persons althoughfacilities offered and charges imposed mayvary from bank to bank. While concluding we

can say that ICICI bank provide more servicesand flexible facilities irrespective of chargesthan DENA Bank which provide limited facilitiesto the customers with less charges. Thuscustomers unmindful regarding charges andpenalty opt for private banks and vice versa.

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